Jump to content



  • Tweets

  • Posts

    • What is the name of the window cleaning business? Have you taken photographs of the dirty windows et cetera?
    • i would suggest that you stick to researching on here only. use our search top right for say CTAX or liability order.   you seriously have some wild theories, but those are understandable.   as i have said, there won't be a court hearing you need nor would that help you at all nor are expected to attend, it's not like that, it's merely a rubberstamp exercise .   there is no right of forced entry for bailiffs collecting CTAX debts. the bailiff process is one of a letter which will be entitled Notice of enforcement, this gives you 7 days to pay the sum it outlines with an associated fee of £75 for it being sent. the 2nd step will be a visit, you have no legal remit to engage with them at all, i i would not do so under any circumstances, that visit will add a further £235 fee those are the only things a bailiff can do. the most they can charge is a total of £310.   police do not ever get involved in civil matters like CTAX debt. not sure where you ever got that idea from.   its saturday now so use the W/end wisely, get reading up HERE ONLY it might well pay you on monday to go RING the council CTAX dept and plead poverty etc etc. it might also pay you to find the email address or even better phone number of your local MP and get him involved. they can do wonders.   dx 
    • NPAP see here: VCS Spycar PCN PAPLOC now Claimform - no stopping - London Southend Airport ***Claim Dismissed*** - Page 7 - Private Land Parking Enforcement - Consumer Action Group
    • Hi Stu and dx1000uk,   I have done the online assessment and as I suspected I already receive the maximum benefits available to me.   Yes I was referring to the fact that some times I know that non-payment of council tax can lead to imprisonment so thanks for clarifying.   let's say I can't make their demands for payment and they do send bailiffs in, I assume these are the type of bailiffs I can just not let in and then after a certain amount of attempts they give up right? does the council then not send the police round? This is what I can't work out and worries me.   The council already know that I am struggling and can't make the payments but when do I get my chance to tell a court or the police that it's not that I don't want to pay but that I can't pay?    Walshy
  • Our picks

    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
        • Haha
        • Like
    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

Erudio - Sent me my slc CCA - now Court Claim


Recommended Posts

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 igned

- only 1999 is signed by an offcial from student loans

 

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

 

Thanking you in advance

Link to post
Share on other sites
  • Replies 172
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Popular Posts

hi guys so just opened my post and thankfully no rubber stamp! Hearing date march 2021, documents to be submitted electronically   Andy much obliged for this, again thank you guys for the su

So ready to post this defence. Having looked at what you wrote for the other thread:   ----------------------------------- 1 The Claimant's claim was issued on (insert date).  2 T

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... 

Link to post
Share on other sites

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.

Link to post
Share on other sites

HOW TO UPLOAD DOCUMENTS / IMAGES ON CAG IMMEDIATELY YOU DO NOT NEED 10 POSTS

.

IMPORTANT To protect your IDENTITY and ensure you remain ANONYMOUS on CAG

YOU MUST ensure that you REMOVE all Personal Information including Barcodes, Names, Addresses etc

.

ENSURE: To leave all Monetary Figures and Dates.

.

DO NOT USE A BIRO, PEN, SEE THRU TAPE OR LABELS TO EDIT THE INFORMATION

.

1. SCAN YOUR DOCUMENT

.

- Set your default scan page size to A4 less than 300 DPI (150 will do)

- Scan the required letters/agreements/sheets - as a picture (jpg) file

.

- Don't forget you can use a mobile phone or a digital camera too!!

.

- If you have multiple scans/pictures please put these into a WORD DOC first ensuring you have removed all Personal Information before converting to PDF.

if you dont have MSOFFICE, use openoffice its free and has a PDF converter.

- IPHONE ONLY: Take a picture and Convert to PDF via an APP

.

2. HOW TO EDIT (Remove Personal Information)

.

- Do this using MSPAINT.EXE or any Photo Editing program and ensure to save the document.

PLEASE TRY AND REFRAIN FROM POSTING FILES OF +1Mb in size

a single sheet of a4 should be about 50kb.

.

.

3. HOW TO CONVERT YOUR DOCUMENT TO PDF

.

- If you have OFFICE installed this has an installable PRINT to PDF option so use this and save as PDF.

- If you have PDF as an installed driver use this program and save as PDF.

.

OR Go to one of the many free online pdf converter websites:

.

- http://freejpgtopdf.com/

- http://www.convert-jpg-to-pdf.net/

- http://www.freepdfconvert.com/

- http://www.pdfmerge.com/

- http://www.primopdf.com/

.

PLEASE REMEMBER: It would be better to upload a Multi-page PDF rather than multiple Single PDFs.

.

4. BEFORE UPLOADING YOUR DOCUMENT ON CAG

.

- Logically Name your PDF File so Users know what it is. DO NOT NAME YOUR FILE USING BANK NAMES OR CAG IN THE TITLE

.

- For Example: Default Notice DDicon-MM-YYYY.

.

IMPORTANT To protect your IDENTITY and ensure you remain ANONYMOUS on CAG please ensure that you do a final check that all Personal Information including Barcodes, Names, Addresses etc. are REMOVED before carrying out the NEXT STEP

.

5. HOW TO UPLOAD YOUR DOCUMENT ON CAG

.

- In your Thread/Post open a new msg box here.

- Click 'Go Advanced' below the msg box.

- Click 'Manage Attachments' below that box.

- Click the 'Add Files' button on the top right.

- Click 'Select Files', navigate to your file(s) on your PC.

- Click 'Upload Files'.

.

- You DON’T have to put a link to the attachment in the msg box just upload it ……… JOB DONE

- You can click on your links to check them too!!

.

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
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... 

Link to post
Share on other sites

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... 

Link to post
Share on other sites

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. :)

Link to post
Share on other sites
  • 2 years later...

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

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

Eventually they sent by debt over to Capquest.

 

Firstly i sent them a templatelink3.gif on here 'i dont acknowldge...' CCA Requestlink3.gif, 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

Link to post
Share on other sites

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... 

Link to post
Share on other sites

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?

Link to post
Share on other sites

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... 

Link to post
Share on other sites

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

Link to post
Share on other sites

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... 

Link to post
Share on other sites

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... 

Link to post
Share on other sites

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?

Link to post
Share on other sites

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... 

Link to post
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... 

Link to post
Share on other sites

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

Link to post
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

Link to post
Share on other sites

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... 

Link to post
Share on other sites
  • 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

Link to post
Share on other sites

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... 

Link to post
Share on other sites
  • Andyorch changed the title to Erudio - Sent me my slc CCA - now Court Claim

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...