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    • Hi T911 and welcome to CAG. As you say, an interesting screw up. So much for quality control! Anyway, our regular advice is to ignore all of their increasingly threatening missives... UNLESS you get a letter of claim, then come back here and we'll help you write a "snotty letter" to help them decide whether to take it any further with their stoopid pics. If you get mail you're unsure of, just upload it for the team to have a look.
    • Thanks @lolerzthat's an extremely helpful post. There is no mention of a permit scheme in the lease and likewise, no variation was made to bring this system in. I recall seeing something like a quiet enjoyment clause, but will need to re-read it and confirm. VERY interesting point on the 1987 Act. There hasn't been an AGM in years and I've tried to get one to start to no avail. However, I'll aim to find out more about how the PPC was brought in and revert. Can I test with you and others on the logic of not parking for a few months? I'm ready to fight OPS, so if they go nuclear on me then surely it doesn't matter? I assume that I will keep getting PCNs as long as I live here, so it doesn't make sense for me to change the way that I park?  Unless... You are suggesting that having 5 or so outstanding PCNs, will negatively affect any court case e.g. through bad optics? Or are we trying to force their hand to go to court with only 2 outstanding PCNs?
    • That is so very tempting.   They are doing my annual review as we speak and I'm waiting for their response once I have it I will consider my next steps.    The debt camel website mentioned above is amzing and helping to. Education me alot    
    • Sending you a big hug. I’m sorry your going through this. The letters they send sound aweful, and the waiting game for them to stop. But these guys seem so knowledgable and these letters should stop. Hang in there, and keep in touch. Don’t feel alone 
    • In my time I've never seen a payout/commission from a PPC to a landlord/MA. Normally the installation of all the cameras/payment of warden patrols etc is free but PPCs keep 100% of the ticket revenue. Not saying it doesn't happen mind. I've done some more digging on this: Remember, what your lease doesn't say is just as important as what it does say. If your lease doesn't mention a parking scheme/employment of a PPC/Paying PCNs etc you're under no legal obligation to play along to the PPC's or the MA's "Terms and conditions". I highly doubt your lease had a variation in place to bring in this permit system. Your lease will likely have a "quiet enjoyment" clause for your demised space and the common areas and having to fight a PPC/MA just to park would breach that. Your lease has supremacy of contract, but I do agree it's worth keeping cool and not parking there (and hence getting PCNs) for a couple months just so that the PPC doesn't get blinded by greed and go nuclear on you if you have 4 or 5 PCNs outstanding. At your next AGM, bring it up that the parking controls need to be removed and mention the legal reasons why. One reason is that under S37(5b) Landlord and Tenant Act 1987,  more than 75% of leaseholders and/or the landlord would have needed to agree, and less than 10% opposed, for the variation to take place. I highly doubt a ballot even happened before the PPC was bought in so OPS even being there is unlawful, breaching the terms of your lease. In this legal sense,  the communal vote of the "directors" of the freehold company would have counted for ONE vote of however many flats there are (leases/tenants) + 1 (landlord). It's going to be interesting to see where this goes.  
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Erudio claimform - old SLC loans - stayed - now N244 **WON SJ refused**


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ignore them then

you sent the deferment form to cover you yes

so you are 'upto date as such with those?

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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No let 'em sweat

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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  • 4 months later...

Hi Guys, update:

 

Received a letter from erudio telling me my account has now been passed to allied international credit, obviously they have ignored my previous letter and my deferment.

 

Shalll i send another letter outlining the DAF acceptance by FOS and also write a complaint to the FOS?

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nope AIC are totally powerless

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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Haha ok, i know they are useless but i just cant believe erudio are playing this game when im complying with FOS. Shocking but oh well!

 

Enjoy your weekends!

 

You definitely don't think its worth complaining to the FOS about this like 'pluthero' did in this thread?:

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?440271-Erudio-Still-fighting-them

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well lets see where this goes.

 

one letter stating what they must before passing it around is not harassment

see what evolves

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

  • 1 month later...

Got another letter from AIC offering a reduced rate dropped by £1000. Ridiculous, i sent my DAF!!!

 

I know its too early to complain to FOS about the DCA harassment but this shouldnt be with a DCA anyway as i have complied with the DAF terms. I feel i should write to erudio stating this again?

 

Thanks

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No l. Let it run

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

Not 100% sure WarrenBuffet, seems the DCA industry is quite incestuous and very blurred lines who owns or relates to what company.

 

They have different addresses though, whether directly connected or just work together im not sure. Ive tried researching this.

 

All the same nonsense tbh.

 

Im shocked erudio have been able to act this way when taking over students loans

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AIC are independent like moorcroft and wetcloths

they simply chase for a fee from 'any' client.

they never own the debt

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

  • 3 months later...

HI GUys,

 

 

update: erudio have sent me a 'Remedy of Account' letter for each of my years student loans.

 

It outlines my arrears for each account and period with an attached FCA 'Managing Arrears' leaflet.

 

Should i reply?

 

extremely annoyed at this i have sent them a deferment (original SL one only) every year

Edited by dx100uk
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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

  • 2 weeks later...
  • 2 months later...

Update guys:

 

Received a letter today from erudio saying the management of my debt has now been passed to drydensfarifax solciitors, which seems to be a sister arm of erudio from what i can see. I suppse i will receive a county court claim.... wondering how i should proceed/prepare?

 

Just a recap, i never signed their new deferment or agreement and only ever sent the original one to them yearly, but my income is now above the deferment threshold.

 

Thanks in advance

 

Thought i would check the post and i have a letter from Drydens already - its a PAP form

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third one this week.

 

look like theres a load more of these on the way then too.

 

if you go back to this forum [sLC homepage]

and read the two lastest updates to threads here

 

you'll get the idea

 

but YES you must reply.

but not without us checking it FIRST

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

thread title updated

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

Thanks again DX100uk, just had a little browse, seems they are in very similar positions.

i guess i also have grounds as these should have never gone to arrears,

i havent written to FoS with a complaint, i see one of these posters has.

 

Going to have a full read again in the morning, start at this PAP

 

OK i have had a good read of those other threads.

 

Update - seems i am still in the threshold! its been raised 2018-2019 and also 2017-2018 i was under also, however those are irrelevant anyway as i was in contact and they were not responding to my letters to take me out of arrears and default to get the a stage of deferment and or pay them anyway, just round and round with every DCA they can use.

 

So now i have the PAP to complete, im going to use this one

https://www.consumeractiongroup.co.uk/forum/showthread.php?481827-The-Pre-Action-Protocol-for-Debt-Claims-is-made-by-the-Master-of-the-Rolls-as-Head-of-Civil-Justice.-1st-Oct-2017(1-Viewing)-nbsp

 

and send a CCA request again?

 

I think i have grounds here to argue i have sent my deferments and been ignored, arrears and defaults have not changed at all.

 

My defence i feel is: Still being in the deferment threshold, been sending SLC DAF, i am entitled to defer under the original SLC DAF?

 

Am i missing something?

 

Next Step:

So my only course of action now is to reply to PAP through drydens, i dont contact erudio also?

 

To send:

1 - PAP from link above not their forms (and CCA?)

2 - should i send a copy of only my current SLC DAF to drydens?

3 - should i send payslips? i presuming answer here is no, just the DAF would be sufficent

4 - should i send anything else?

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Dont send anything extra

Dont need cca either

Dispute is already deferred

 

Just go alone with it

 

I will guess drydens ( or whomever hit the button to sent out these pap letters)

Has no idea what they are doing and has no idea on individual case history

Dont forget drydens think these are just a std consumer credit loan with no idea how slc stuff works

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... 

Link to post
Share on other sites

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