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    • I disagree with the charge and also the statements sent. Firstly I have not received any correspondence from DVLA especially a statutory notice dated 2/5/2024 or a notice 16/5/2024 voiding my licence if I had I would have responded within this timeframe. The only letter received was the single justice procedure notice dated the 29.5.2024 this was received on 4.6.2024. I also disagree with the statement that tax was dishonoured through invalid indemnity claim. I disagree that the licence be voided I purchased the vehicle in Jan 2024 from RDA car sales Pontefract with agreement to collect the car on the 28.1.2024. The garage taxed the vehicle on the 25.1.24 for eleven payments on direct debit  using my debit card on my behalf. £62.18 was the initial payment on 8.2.24  and £31 per month thereafter the second payment was 1.3.24.This would run from Jan 24 to Dec 24 and a total of £372.75, therefore the car was clearly taxed before  I took the car away After checking one of my vehicle apps  I could see the vehicle was showing as untaxed it later transpired that DVLA had cancelled my tax , without reason and I did not receive any correspondence from DVLA to state why it was cancelled or when. The original payment of £62.18 had gone through and verified by my bank Lloyds so this payment was not declined. I then set up the direct debit again straight away at my local post office branch on 15.2.2024 the first payment was £31 on 1.3.2024 and subsequent payments up to Feb 2025 with a total of £372.75 which was the same total as the original DD that was set up in Jan, Therefore I claimed the £62.18 back from my bank as an indemnity claim as this payment was from the original cancelled tax from DVLA and had been cancelled . I have checked my bank account at Lloyds and every payment since Jan 24  up to date has been taken with none rejected as follows: 8.2.24 - £62.15 1.3.24 - £31.09 2.4.24 - £31.06 1.5.24 - £31.06 3.6.23-£31.06 I have paper copies of the original DD set up conformation plus a breakdown of payments per month , and a paper copy of the second DD setup with breakdown of payments plus a receipt from the post office.I can also provide bank statements showing each payment to DVLA I also ask that my licence be reinstated due to the above  
    • You know hes had it when they call out those willing to say anything even claiming tories have reduced taxes on live tv AS Salmonella says: The Conservative Party must embrace Nigel Farage to “unite the right”, Suella Braverman has urged, following a disastrous few days for Rishi Sunak. The former home secretary told The Times there was “not much difference” between the new Reform UK leader’s policies and those of the Tories, as senior Conservatives start debating the future of the party. hers.   AND Goves replacement gets caught booking in an airbnb to claim he lives locally .. as of yesterday you can rent it yourself in late July - as he'll either be gone or claiming taxpayer funded expenses for a house Alongside pictures of himself entering a house, Mr McGuinness said Surrey Heath residents “rightly expect their MP to be a part of their community”. - So whens farage getting around to renting (and subletting) a clacton beach hut?   Gove’s replacement caught out on constituency house claim as home found on Airbnb WWW.INDEPENDENT.CO.UK Social media users quickly pointed out house Ed McGuinness had posted photos in was available to rent     As Douglas Ross says he'll stand down in scotland - if he wins a Westminster seat - such devotion.
    • I've completed a draft copy to defend and will post up here for review.  Looking over the dates and payments this all stemmed from DVLA cancelling in Feb , whereby I set up a new DD in Feb hence the overlap, why they cancelled when I paid originally in Jan I have no idea. Anyway now stuck with pending court action and a suspended licence . I am also firing off a letter to DVLa recorded disputing the licence revoke
    • Thank you both for your expert knowledge and understanding. You're fighting the good fight by standing up for people like me and others with limited knowledge of this stuff. I thank you. I know all my DVLA details are good. I recently (last year) renewed my license, and my car's V5 is current with the correct details; the same is valid for my partner. I'll continue to ignore the love letters 😂 and won't let it bother either me or my partner.  I'll revisit this post if/when I get a letter of claim.  F**k ém.
    • Please check back later on today for a fuller response and some edits
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Erudio claimform - old SLC loans - stayed - now N244 **WON SJ refused**


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Hi Guys,

Was contacted by erudio last year about the change of ownership.

i didnt want to sign the deferment letter.

Came on here read up and decided to request my CCA for the loans back in October.

No response only threatening letters. i sent a second response and no reply.

They eventually wrote to me in december saying they will look into my request.

I heard nothing until today - they have actually sent me a copy of all my CCA's, signed.

Wondering what are my options here? They did not comply to the 14 days from my request.

The date of the loans are 97, 98, 99 and 2000

HOWEVER - of all the CCA's, there is a few things:

- only 1999 and 2000 are signed the others are blank

- 1998 only has the DD section ignored

- only 1999 is signed by an official from student loans

They are photo copies though. but the others do look completely blank

Thanking you in advance

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scan then up please

 

so when did you last defer to SLC before the sale?

 

dx

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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Ok il scan up shortly - what do you need to see on them and what shall/can i cover up?

 

I last deferred the last year before sale, so i have pretty much deferred most years. As soon as it switched hands to Erudio i haven't signed a thing.

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patterns said:
Ok il scan up shortly - what do you need to see on them and what shall/can i cover up?

 

I last deferred the last year before sale, so i have pretty much deferred most years. As soon as it switched hands to Erudio i haven't signed a thing.

 

 

why cant you simply use a copy of the old SLC DAF and send that in

if your situation has not changed

 

 

stuff rodeo

 

 

dx

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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just send that to rodeo

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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Dx you really do deserve a medal! I propose we all nominate you for an MBE or sommet similar. :)

 

Pattern, your CCA sounds dodgy as heck. As is always the advice 'Question everything', & just because they tell you that they have responded to your CCA, they normally havn't. So! Check and double check everything they send you. :)

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  • 2 years later...

Hi Guys, re-bumping this rather than starting a new one.

i refused to sign erudio's dodgy upgraded deferment form.

Eventually they sent by debt over to Capquest.

 

Firstly i sent them a template on here 'i dont acknowledge' CCA Request, nothing yet more letters,

i recently sent them a 'prove it' style - they have not responded

 

Shall i send a letter again?

I did request a CCA from Erudio and they sent me pieces of this as mentioned above

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you should never ever kick pram wheels if the DCA is not kicking yours.

 

you should have learned that years ago!!

 

never ever blindly send any pointless letter tennis on any debt with asking here FIRST..

 

bad move!

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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I remember DX and i remember your priceless help (thank you again!)

 

Ill follow previous advice..

... Reason i started these new thread is i really dont want to have to go to court again and set aside another Statutory demand

 

:( plus its messing up my credit file

, i cant get any finance or even start to for another 4 years. However i see your point and thanks for the reminder

 

I spoke to credit reference agencies and they said i can dispute the marks on my credit score

- you suggest to try this?

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so why did you not send that deferment form then as advised 2 yrs ago?

 

 

dx

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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Because the one at the time requested i sign a new form.

 

i read up countless people having the same issue and were advised send your own deferment letter under the same terms as previous not erudio ones

 

. I did, and i got the same reply... i need to sign their one

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not according to the FOS

 

they have already told Erudio that they must accept the old form with old requirements and cant dictate that their form MUST be used.

 

your issue is now that you sent that [you didn't tell us that till now]

and erudio have since defaulted your credit file and are claiming you are in arrears?

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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you write to erudio and complain [refer to the case listed on this thread at the end]

http://www.consumeractiongroup.co.uk/forum/showthread.php?447223-Erudio-and-final-FOS-decision

 

demand they REMOVE the whole account from your credit file

and accept the completed SLC old deferment form

[you need to do a new one too? for this year?]

 

else you'll be complaining to the FOS

and seeking financial compensation for the distress caused to you and the financial cripplement their faulty default has caused

 

give them 14 days

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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Thanks for that..

. just read the whole 6 pages, and have the deferment form.

Yep ill have to do another for this year too i guess, so send them that with the letter i presume.

 

Reading that thread... you state to sign and alter slightly, they didnt sign, so do i or dont i sign?

 

And i draft a cover letter along with the SLC DAF to Erudio explaining :

 

"I have been contact by capquest informing me i have a debt in arrears and defaulted for my student loan.

 

i have sent you the SLC DAF previously which is acceptable by FOS,

i have attached this years DAF also.

 

i request you accept my DAF demand you REMOVE the whole account from my credit file.

Otherwise i shall complain to the FOS. I expect to hear from you in 14 days"

 

something like that?

 

Anything else?

 

I can see that person in that post actually never heard back nor got a response, and instead like me their debt was sent to capquest and in the same position. I am just following protocol here then i presume to protect myself in the event it goes to court?

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please don't beg them or request this or that - demand

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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Share on other sites

well you're not disputing the agreements are you?

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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Share on other sites

Still not sure about signing this one but i guess i must. Just worried if capquest get hold of it they pay copy/paste. But hey if i must i must sign

 

Will be sending today, i kept it very blunt and demanded as you say - thanks again

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you are not disputing agreements exist...:frusty::frusty:

 

so what good would it do them to copy your sig anywhere....

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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  • 2 months later...

Hey guys, thought i would update you -

 

received a balance statement from erudio following my dispute letter and sending my deferment for again (Thanks DX100UK),

 

they have been removed from my credit file.

 

This letter was dated 4th sept.

 

All looks like its ok?

 

Maybe not.... i received no acknowledgement of my letter,

AND also received this:

 

Around the same period (i didnt open my post) i received a letter dated 29th AUG stating the following:

 

Thank you for your recent correspondence regarding your studenrt loan.

We have now investigated your complaint raised on decemeber 2015 and unfortunately we have not recieved correspondence from the FSO.

We would ask that you send us a copy of the outcome, to be able to investigate further.

Capquest will place a 30 day hold on your account ......

Any advice on the next steps?

 

Shall i send my deferment letter recorded again?

 

Doesn't seem they have acknowledged and/or are mocking it

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We have now investigated your complaint raised on decemeber 2015 and unfortunately we have not recieved correspondence from the FSO.

 

 

whats this bit about?

did you complain to the FOS then?

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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Thats what im puzzled about.

 

No i didn't, i requested a cca using the template link on here when they said they wouldn't accept my original deferrment,

 

i then sent a no cca response letter again states nothing about FOS.

 

Nowhere in my letters did it state this at all?

 

These letters were sent to then in 2014 not 2015.

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