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Incompetent Erudio


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They took three payments of £71.00 without informing or agreeing this with me.


They made no attempt to request additional information from my March '14 application for deferment

even though I provided my new address and, mobile and email on this deferment.


Once I had these repayments stopped they have made no attempt to refund me until several attempts have been made requesting this refund of £214 (approx).


To date no refund has been received.


I have been told it is approved,

they have done 'roll-back' and they are sending out a cheque.


At each of these stages they said that I will receive my money within 3-5 days.


This has not happened.Definition of theft is:


"The intention to permanetly deprive the true owner of his/her property"


Their complaint procedure is just as incompetent.


They failed to log my complaint initially and have not contacted me to discuss a resolution.


We are into week six of the complaint.


The consequencies of their actions in my life and cash-flow have been serious


Does anyone have any advice?


I would be interested to know what others would deem a reasonable settlement


I guess this would depend on personal circumstance?


Very annoyed.

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were the payments taken by DD or Debit Card CPA?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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First try and use the 'DD guarantee' to claim your money back from the bank, not sure if there is a time frame for doing this but as the amounts were UNAUTHORISED the bank should refund you. Phone the bank or go in person.


Next complain to the FCA, FOS about this immoral company and their horrible tactics.

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