Erudio claimform - old SLC loans - stayed - now N244 **WON SJ refused**

[patterns]

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

[patterns]

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.

[patterns]

Is there a copy of the SLC DAF online?

 

Stuff rodeo?

[patterns]

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

[patterns]

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?

[patterns]

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

[patterns]

Correct and it has been passed to Capquest and defaulted

[patterns]

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?

[patterns]

ok got it - but thats enough?

 

also to sign or not?

[patterns]

No so ill sign then, i thought more its maybe what they may do with that signature..copy and paste it etc

 

Ill type it up and send tomorrow

 

THanks

[patterns]

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

[patterns]

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

[patterns]

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.

[patterns]

Ok sure, thanks again

 

Yes i believe i am, ive sent them the deferrment form every July and i think cut off was Oct so this year was in too.

 

Think its worth sending again, with all the years attached?

[patterns]

Thanks again!!! As soon as i hear anything ill pop back

[patterns]

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?

[patterns]

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

[patterns]

Ok sure thing, thanks again

[patterns]

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

[patterns]

Thought you would say that hence i held off

 

Once again thank you

[patterns]

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

[patterns]

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 June 26, 2018 by dx100uk
Spacing

[patterns]

Thanks DX100, sorry for the late reply, i was away

[patterns]

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

[patterns]

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?