Jump to content



Erudio - Sent me my slc CCA - now Court Claim


Recommended Posts

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.

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

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... 

Link to post
Share on other sites

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?

Link to post
Share on other sites

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... 

Link to post
Share on other sites
  • 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?

Link to post
Share on other sites

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... 

Link to post
Share on other sites

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... 

Link to post
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

Link to post
Share on other sites

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... 

Link to post
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

Link to post
Share on other sites

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... 

Link to post
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
Spacing
Link to post
Share on other sites

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 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

Link to post
Share on other sites

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... 

Link to post
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... 

Link to post
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?

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...