Erudio and final FOS decision - now drydens PAP Letter

[dx100uk]

bloke in a diff coloured skirt at the next desk further away from the bog than him

[Old Cogger]

bloke in a diff coloured skirt at the next desk further away from the bog than him

[plong979]

So I got my CCA request off Erudio and Dryden sent the forums requested in the PAP. I noticed 2 of my SLC loan forms haven’t been signed by SLC staff member, does that matter?

 

Anyway, I’ve just received another PAP from Dryden.

 

Do I do the same again?

[dx100uk]

Yes

Scan up the returns to one mutlpage odd

Read upload

[plong979]

Ok. I’ll sort out the same reply as last time. I take it, just the PAP form, no need for the CCA again?

 

Finally just to confirm, you want me to scan what I got back off Dryden and Erudio and upload as one pdf?

[dx100uk]

Diff agreement no.? This time...

[plong979]

No. They use the same ref

[dx100uk]

Same then +cca again if it's the same erudio ref no. Not slc one

[plong979]

Yeah same Erudio ref. I’ll get it all posted off this weekend. I’ll scan up the docs in work and upload them tomorrow or fri latest.

 

Thanks again.

[plong979]

Here are the scanned SLC forms, sorry fort the delay. I've also included the first page of the dryden response to the PAP form for reference.

SLCScannedRetracted.pdf

[plong979]

Round 3...another PAP letter, same ref number. I’ll sort out my reply over weekend. 

I do have 1 question. Just wondering what I should I do about the deferment this year. Last year I asked for payment details as I was finally over the threshold but they ignored it. Shall I write off again as I’m still over asking for details or just leave it now as it’s got to this stage?

[dx100uk]

i'd let it run

[plong979]

So I’ve had a reply to the last PAP form but this time it’s not the standard reply but it mentions my dealing with the FOS and how the FOS agreed with Erudio and how I didn’t sign their DAF but provided the SLC form. The interesting thing is the Erudio letters don’t have there letter headers on, just blank. 

 

Ill scan it up over the weekend, but I’m just wondering what is going to happen with regards to the PAP. 

Edited March 22, 2019 by plong979

[dx100uk]

Tough it proves you sent the forms

They'll never go near a court after admitting that

[plong979]

Sorry not scanned up last letter but scanner on my printer has decided to give up and I don’t have access to a private scanner in work. 

 

I also had another PAP letter, same reference num so I’ll get my same reply off this week  

[Old Cogger]

new printer all in one £30+??  no problem there?

[plong979]

Is there a time limit for them to acknowledge my dispute? Letter was delivered on the 16th so it’s been longer than the previous times. 

[dx100uk]

not that i'm aware of no.

theres no specific info that they must reply to a pap letter return no

 

 

[plong979]

Been following other threads and sort of expecting a claim letter any day now so getting my notes together. But just wondering if my would be SB now? Last deferment date was May 2013 as Erudio refused evidence for my 2014 application or am I in it for the long haul? 

[dx100uk]

SB'd like so many here..

 

there is a pattern if you look closely.

 

everyone that's had a PAP letter and or claim have been approaching 6yrs 

well what they though was!!

trouble is it runs from last deferment date not end of that deferment period

that's why they panicked and sent out 10'000 of claims/PAP's I bet

 

so they are hoping

and ofcourse 85% of people wont respond at all

to get default rubberstamped judgements in place to stop the SB clock

 

now those that got one should easily be able to set the CCJ aside because SB date had already passed,

 

 

[plong979]

so they finally replied to my PAP a couple of months ago with the usual on hold and it's been a while but i've got another one of those PAP letters from dryden. just in time for the festive period.

 

just wondering what to do this time, same defence as the previous times or change to statue barred?

[dx100uk]

if its now SB's then send our SB letter from the debt collection section of our library.

[plong979]

well my last deferment was May 2013 so it's SB'd if nothing i've done inbetween counts against the clock.

 

so just to confirm, tick Box D on the PAP form and attach the SB letter? (one in the post or pdf version as they are slightly different so unsure if it matters)

[dx100uk]

just send our SB letter from the debt collection section of our library referring to the ref no they use.

[plong979]

ok no return of pap form.

 

just to confirm as i sent a letter as i was over the threshold 2 years ago asking for payment das i was keeping to the terms of the loan. this doesn't coutn?

 

regarding the SB letter, the one in the post 1 or the pdf in post 2 or doesn't it matter?

Edited November 27, 2019 by plong979