Erudio and final FOS decision - now drydens PAP Letter

[dx100uk]

it is one of these.

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

check att in post 4 there.

dx

[plong979]

Cheers for the link and advice. I’ll get the CCA off this week.

[dx100uk]

So it was a letter of claim?

[plong979]

Yeah. It’s stsrts with “this is a letter of claim sent to you in accordance with the Pre-action protocol for debt claims”

[dx100uk]

drydens too. blimey..the we never go thru with anything lot..99% letterhead only..if they even actually exist..arrows are getting desperate..typically they normally only ever use those letterheads when going for backdoor CCJ's to old addresses. then they go dead silent..when they get a response from the correct address...strange.

[plong979]

I must be special then. I’ve played by the SLC rules and even offered to repay and still this. I’ll get the CCA off this week and then see what happens.

[dx100uk]

and that att

[plong979]

Att? is that CAG version of PAP form as mentioned in post 4?

[dx100uk]

go read post 4 of that thread...

[plong979]

Yeah sorry misread. I’ll send off that PAP form. Thanks again dx

[plong979]

Can’t edit, but just to confirm my next steps.

 

I’ll be sending CCA to Erudio and PAP form (CAG version) to Dryden.

[dx100uk]

lets just resit here

a cca wont hurt no.

 

I think this is because drydens think [that because you didn't update AIC - no need] you are resident at the old address

they never get involved till someone sniffs a backdoor CCJ.

 

id alose use the ATT to very briefly outline you are still in dispute

[dx100uk]

thread title updated

[plong979]

just putting the finishing touches to the form. I'm including an attached sheet to explain my position.(i'll stable it to the form as well)

Box D

I dispute the debt: please see attached sheet

I have attempted to defer every year I’ve been eligible but Erudio refused to acknowledge my deferment even though I provided the same evidence which Student Loans Company accepted without incident for over 10 years. This year is the first year (2018) which I have been over the threshold and I requested payment details in line with the terms and conditions of the loans which I took out with the Student Loans Company, Erudio ignored my request to send me payment details. I dispute the debt because the conditions required for its enforceability (ie income threshold) were not met and therefore I should have been deferred and not have entered arrears and have the loan conditions terminated.

 

Box H

I have provided documents: please see attached sheet

I have enclosed my deferment requests as well as my payment request for when I was over the threshold.

Do I have to tick Box I like in the thread you linked?

[dx100uk]

Read post 4 of that thread!!!

No you dont need to do H

[plong979]

i read it, sorry if i don't understand it correctly.

 

 

so just leave it at Box D then and remove the last sentance?

 

 

Box D

I dispute the debt:

I have attempted to defer every year I’ve been eligible but Erudio refused to acknowledge my deferment even though I provided the same evidence which Student Loans Company accepted without incident for over 10 years. This year is the first year (2018) which I have been over the threshold and I requested payment details in line with the terms and conditions of the loans which I took out with the Student Loans Company, Erudio ignored my request to send me payment details.

[dx100uk]

Grr..do as post 4

You dont need to supply them your docs [H]

 

Do I as well name

 

dont sign print name

[plong979]

yeah i'm not doing H as you said.

you did say in a previous post that "cca wont hurt no", so do I need to do a CCA like in post 4 or not?

or do i just put this in I...

 

I also require you to supply the following..

a copy of the Default Notice

A copy of the Notice of Assignment

A complete set of statements detailing exactly how the debt has accrued detailing:

I. All Transactions.

II. any additional charges, be them by the original creditor or you Erudio (or is it drydens?) the debt purchaser or any predecessor DCA.

III. details of all contractual interest added by whom and on what date.

IV. List of ALL Payments made toward the Agreement

 

 

or do I put something else?

 

 

or do I just tick I and leave it blank?

 

i am trying my bnest i;ve got alot of drama going on in my life at thje moment so trying to keep on top of everything. sorry that im slow on the uptake.

[dx100uk]

You follow as post 4

I cant see why you keep having issues with simply following the example....

 

I is great

Yes cca cant hurt for £1

[plong979]

i'm following it but i got confused with other posts also doing the PAP but not following Post 4.

 

you also said explain a bit so it my attached sheet fine then? or shall i just do it word for word.

 

So I basically doing Post 4 word for word then, so I do need to send a CCA so please say that instead of "it won't hurt", I am not very good at this. i am trying and i really do appreicate the help, i'm just a bit rubbish at it all

 

i am also getting confused by the CCA, I am putting s77 but further down it's got s77(4), do i need the (4)? (i suspect yes)

[dx100uk]

loans are section 77 that's all that's needed

 

your form is fine now

xtra sheet for d is ok

I is ok too

[plong979]

thank you again for your help, i really do appreciate it (donated).

 

one last question before i get the PAP and CCA send out by the weekend.

 

for the CCA do i delete or keep the blue section?

[dx100uk]

matters not erudio are both

[plong979]

PAP and CCA posted. Will report back if/when I hear anything. Thanks again for the help and advice.

[plong979]

Dryden wrote back saying account is on temp hold while they contact eruodo with details of my query. they’ll inform me of the outcome once they get a response of erudio.