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

[dx100uk]

ignore them then

you sent the deferment form to cover you yes

so you are 'upto date as such with those?

[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?

[dx100uk]

No let 'em sweat

[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?

[dx100uk]

nope AIC are totally powerless

[Old Cogger]

AIC - hahahhahhhaha

[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

[dx100uk]

well lets see where this goes.

 

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

see what evolves

[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

[dx100uk]

No l. Let it run

[patterns]

Thought you would say that hence i held off

 

Once again thank you

[WarrenBuffet]

Are AIC another Eurido coat of many colours company?

[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

[dx100uk]

AIC are independent like moorcroft and wetcloths

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

they never own the debt

[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

[dx100uk]

Ignore

[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

[dx100uk]

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

[dx100uk]

thread title updated

[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?

[dx100uk]

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

[patterns]

Ok great, thanks so much again!

 

 

Im going to keep reading around for a few more days then draft up my PAP, ill post it here for you to check

 

 

Cheers