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Zara Rudkin

SLC[still paying] to Erudio now drydens refering to an old 1996 CCJ + wanting more money

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I wonder if I could get some advice?

Apologies if I am in the wrong place,

but just joined so I can try to resolve my problem.

 

This week I received a letter from Drydensfairfax asking for me to complete a expenditure sheet

as my student loan has been passed to them.

 

It also says that a CCJ was awarded against me on 11 November 1996

(I had two student loans taken out in 1995 and 1996).

I am not aware of the CCJ and would have been when I was living is student accommodation

so I assume letters didn't catch up with me.

 

In approximately 2002 SLC tracked me down,

probably after I got a mortgage,

and I made an agreement with them to pay £10 per month as I was in between work.

 

I have never defaulted on this and the money just goes out direct debit and I every year get a statement.

 

That is the only contact I have from them until

 

March this year when they wrote to inform me my debt had been sold to Erudio.

It said nothing was changing so I thought no more about it and the direct debit continued to go out.

 

Then mid october I got a letter from Drydensfairfax saying the loan had been sold to them.

I must have been busy when I opened the letter and just skimmed it

and took in that nothing had changed. Now the letter today which seems quite threatening.

 

It also says that I can't defer my loan if I wanted to because it is now a CCJ,

is that true as I am currently unemployed and if I could defer I would try to?

 

I am want to know what to do next as I am unsure why the threatening letter has come when I am making payments.

Could the payments be still going to SLC and not transferring to Drydensfairfax?

 

Do I complete the expenditure and offer to continue to pay £10 (there is a remaining £1375).

What can I do about the CCJ (it has never caused a problem when getting mortgages

but I will be needing to remortgage soon when my fixed rate expires and don't want it to cause a problem).

 

Sorry for the long post and I hope someone can help me.

 

Thank you

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So they are claiming that a County Court Judgment was made against you in 1996 . Surely SLC would have advised you of this when you entered into the payment plan ? I wonder if it might be worth sending them a Subject Access Request (SAR) which should provide all the information they have on you. Any CCJ should show up in that paperwork.

 

If you have a written statement that "nothing will change", then I think you should simply send that to Dryden Fairfax and not complete their I&E - I will however, ask one of the site team to look in and advise further :)


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usual trick by drydens

 

 

lots of threads here already on exactly the same issues.

 

 

drydens have simply sent out 1000's of letter

to everyone that got an SLC CCJ

and never paid.

 

 

let me read your post and i'll come back.

 

 

usyal response is to ignore them

 

 

its a phishing trip trying to spoof you into paying

 

 

they weren't the claimant and cant enforce the CCJ

no matter what they say.

 

 

be right back.

 

 

dx


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

 

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ok I see yours is slightly diff to the rest.

 

 

you've been paying SLC since the CCJ

we might have to play this differently.

and getting annual statements as you should be too. [that's rare!!]

 

 

I'd suspect you could call drydens bluff here

and this might well help all the others too whereby drydens are pulling this stunt.

 

 

I'd poss write to drydens

 

 

clearly stating that the judgement of the 1996 CCJ

clearly states you must pay the claimant [sLC]

the sum of £10PCM

 

 

until/unless this judgement is varied by the court by the claimant

you will continue your payments.

 

 

you DID get a notice of assignment from erudio and SLC a few weeks ago?


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

 

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Yes, I got a notice of assignment in March

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Sorry, just to point out, I've not been paying since the CCJ, but for about the last 10 years

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I've not had an assintment from Erudio saying it's gone to Dtydensfairfax

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I've not had an assintment from Erudio saying it's gone to Dtydensfairfax

 

You wont have .. Dryden Fairfax do NOT own the debt, they are simply acting on behalf of Erudio :)


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Sorry, just to point out, I've not been paying since the CCJ, but for about the last 10 years

 

 

ah so you could be on a winner here

 

 

sorry read you post wrong

 

 

so 'some' payment to SLC

[if it was against the CCJ loan or not might be important] was resumed to SLC 2002

 

 

if it was 6yr after the CCJ it would be interesting.

 

 

you say you have SLC statements....

 

 

is the account number the same one that drydens are claiming has the CCJ...

 

 

play along here with me please..

 

 

sorry for the questions..

 

 

dx


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

 

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Sorry I haven't got all the statements, only the last one.

 

 

I stupidly had a clear out about a year ago and because it was just an ongoing payment without any issues I didn't think I'd need them.

 

But looking at the statement from sept 2013,

 

 

letter with assignment notice and

 

 

then letter from drysden

 

 

all the account numbers are different

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is their an actual SLC account number on the drydens phishing letter

or just their or rodeo's puppet ref number

 

 

dx


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

 

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Yes the account number is the same on the Erudio letter and Dryden letter,

 

 

but this doesn't corolla the with the slc letter (even though it is referred to as the "original account number" on the Erudio letter

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great so

 

 

in my eyes all you've got is a phishing letter

 

 

just like everyone else

[that I hope you are reading about in this forum]

 

 

claiming that because there is an old CCJ kicking around

 

 

they have some magic power to now demand money from you....urm...no they don't!

 

 

I know you've prob read about it

but its worthy to underline in case you have not

 

 

.......................

 

 

just like other times when SLC stuff got sold on..

 

 

Honours Student Loans

 

 

Thesis {Link Financial DCA in sheeps clothing]

 

 

Eruido [Arrows DCA in sheeps clothing]

 

 

 

 

they are in all effect a DCA

they ARE NOT BAILIFFS

 

 

and have

 

 

NO SUCH LEGAL POWERS.

 

 

take everything they send through in any format from any of their 'group' names [drydens are arrows]

 

 

with a VERY VERY LARGE pinch of salt!!

 

 

.................

 

 

there is ONE case on here

[whereby restons have supposedly got a CCJ on an SLC loan sold to rodeo by default]

 

 

but to be honest I'm not at present believing that thread yet as the OP is dragging their heels

coming fwd with the correct answers or ANY answers to pointed questions

 

 

 

so it COULD be a fake [not unknown!!]

 

 

so going by that

 

 

there is no evidence any of these drydens letters are anything more than another phishing attempt

to spoof a mug into paying up...don't!!

 

 

dx


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

 

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opps one last bit.

 

 

the Erudio notice of assignment MUST mention the correct number from the original creditor

else how the BEEP do you know what 'debt' its a bout/

 

 

dx


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

 

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Yes the notice of assignment has a different ref.

 

 

this was sent from slc.

 

 

That ref has not been referred to since.

 

 

So should I just continue the direct debit of £10 per month,

even though I don't actually know where it is going too?

 

Thanks for all your help with this

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point of note

it wasn't sent from SLC

 

 

it was sent from arrows using an slc logo.

 

 

bet it was in the same envelope as the letter from arroes informing you they had been sold the debt.

 

 

to be honest, I question the wisdom of continuing to pay this.

 

 

if there was a period of 6yrs from the CCJ

[though slc I bet made no ref to the CCJ at all]

or from your last deferment?

then it was sb'd when they spoofed you into starting to pay them again.

 

 

you SURE it was SLC, not link pretending to be the SLC?

 

 

I've seen or eremember little eveidence here that slc ever phoned people to chase payment

esp after a good number of years.

 

 

something smells here.

 

 

I'd p'haps be getting an sar off to them

 

 

get all the facts.

 

 

dx


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

 

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yes

 

 

dx


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

 

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