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    • Someone that specialises on the subject might be a better way to put it. 
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    • Apologies I hadn't seen that uploads need to be in PDF.   I have received the attached letter from STA which I assume is a standard letter as I've never spoken to them on the phone. I'm not sure what they mean by 're-commence recovery action'? Do I just continue to ignore them?   I have been in contact with the Uni who insist I need to pay the fees as I left the course after the first three weeks. They have not provided any evidence/documents that I signed an agreement to pay the fees or that I acknowledged that fees would be due if the course was left early. They referred me to their website which undoubtedly has changed since I was there.    I appreciate I shouldn't reply to STA however I'm not sure how to proceed with this overall.   I've read the claim form page and I'm not clear if I can request a copy of a credit agreement from the Uni as I'm not sure if its standard for a University to have required a credit agreement to be signed?    I'm not really clear what happens next and at what point I need to act. I've read about lots of different cases (fee related and non fee related) but can't find information on a case that is similar to mine. Do I wait until the Uni begins a formal action? I am concerned as I don't want the amount to increase from the already significant amount they are demanding.     Many thanks for any help you can offer.  staletter.pdf
    • I have now received some interesting responses....   Firstly - Lowell have sent a without prejudice letter offering a settlement of £3750 for a single payment or £4000 payable in instalments of £50pcm   Second - Lowell also sent a previous letter with the copy of the agreement saying it was the one they filed to court in 2018.  However I have not yet had it acknowledged from the court that they received a certificate of service for this.    Third - The court wrote to me today from the proper officer stating a video hearing will be heard 14 May 2021.    Dealing with each one in tern, I see the court hasn't responded to my email asking them to strike out the claim on the basis that Lowell haven't adhered to the order and that I haven't received the original documents and have now set this hearing date.    I note Lowell are willing to take an offer which is of interest. However I am inclined on the costs issue and trying to 'get rid' of the matter as cost effective and expediently as possibly to make a counter offer (at what level I am not quite sure yet).    Is there a letter template to use to draft a settlement or something that I can use to start with?     In Lowell settlement letter they are claiming it is not statute barred and that a payment was made to them for £200.  I have tried to go through everything and all I can find with the help of Santander who were my bank at the time, is a payment of £200 paid to Lloyds, but this does not have a reference on it only a s/c and a/c number.    How best is it to proceed?   Court Order 22_02_2021.pdf Response to Order.pdf Offer Letter.pdf
    • yes I have conversed over email and sent them forms both in email and by royal mail, firstly with erudio, then they sent it to capquest, then it went back to erudio and now with shoosmiths for a few years now.   And yes they are well aware of my correct and current address, I have only ever moved once since the loan and that was before Erudio and it was all plain sailing with Saas/slc.
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I was given a phone by a friend, Virgin model no VM 575

I cannot locate the number. I have been into the settings but without success.

I rang Virgin who we're unable to help me as the phone is registered

in her name.

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To find out the number, you could simply ask your friend who gave you the phone?

Now why didn't I think of that :lol::lol:

I know...... I have already contacted her SEVERAL times and have got no response!!:lol::lol:

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Now why didn't I think of that ?? :lol::lol:

Hmmm.... I know.. bit difficult when one's benefit has been stopped!!

Excuse the sarcasm

 

Seems that you want it for incoming calls only, so you may need to bear in mind :

The SIM will become invalid after a period if there has been no top-up added or text out / chargeable call made.

 

According to : http://kenstechtips.com/index.php/payg-inactivity-account-termination-and-credit-expiry

the expiry is 180 days for current PAYG plans, but only 90 days for some legacy plans

 

In terms of finding the number if you can't contact your friend or make an outgoing call : find someone whose phone uses the same size SIM (the VM 575 looks like it takes a standard size SIM) where that other phone DOES display the number off the SIM.

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Seems that you want it for incoming calls only, so you may need to bear in mind :

The SIM will become invalid after a period if there has been no top-up added or text out / chargeable call made.

 

According to : http://kenstechtips.com/index.php/payg-inactivity-account-termination-and-credit-expiry

the expiry is 180 days for current PAYG plans, but only 90 days for some legacy plans

 

In terms of finding the number if you can't contact your friend or make an outgoing call : find someone whose phone uses the same size SIM (the VM 575 looks like it takes a standard size SIM) where that other phone DOES display the number off the SIM.

 

I have just checked the termination date of the account on the link and it is 180 days.

I have only had the phone since November

Edited by soulsister14
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I have just checked the termination date of the account on the link and it is 180 days.

I have only had the phone since November

 

When you have had the phone from is less relevant than when your friend last made a call / texted or topped up the SIM, unless you have used it.

If you've used it (or the credit on it: surely you'd have got the number as your first priority?.

If not and you called / texted someone else : can you ask them?

 

As you have said, Virgin don't know you have it (the account is still in her name), and so, even though you may have had it since November, if you haven't reset the 180 days 'counter' ; if your friend didn't use it after 21st September, the number may already have been taken back for re-assignment by Virgin.

 

Do you really want to keep that (unknown) number?

As another poster suggested earlier : why not just get a new Virgin PAYG SIM.

Virign will supply you one with a new (known) number, and a top-up card ......

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When you have had the phone from is less relevant than when your friend last made a call / texted or topped up the SIM, unless you have used it.

If you've used it (or the credit on it: surely you'd have got the number as your first priority?.

If not and you called / texted someone else : can you ask them?

 

As you have said, Virgin don't know you have it (the account is still in her name), and so, even though you may have had it since November, if you haven't reset the 180 days 'counter' ; if your friend didn't use it after 21st September, the number may already have been taken back for re-assignment by Virgin.

 

Do you really want to keep that (unknown) number?

As another poster suggested earlier : why not just get a new Virgin PAYG SIM.

Virign will supply you one with a new (known) number, and a top-up card ......

 

I have used it since she gave me it and the ONLY people I have called are her and a male friend of hers both of whom cannot be relied upon, else I would not have asked.

One would have thought that the number would be stored on the phone. but obviously not! Hence the reason for my contacting her.

Hope that clears up any confusion!

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I have used it since she gave me it and the ONLY people I have called are her and a male friend of hers both of whom cannot be relied upon, else I would not have asked.

One would have thought that the number would be stored on the phone. but obviously not! Hence the reason for my contacting her.

Hope that clears up any confusion!

 

Some phones do make the SIM's phone number visible, others don't. Some SIMs have the number in the SIM's "contacts list", again, others don't. It isn't part of a set specification (in the way that the GSM spec stipulates that *#06# shows the IMEI).

 

Have you checked the contacts list in case it is in their (either from Virgin themselves, or the previous owner might have saved her own number......).

 

Again, though, if there is no credit on there and you don't know the number : getting a new SIM may be the quickest / easiest option?

Do you really need to keep a number that you don't know?.

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