Jump to content


  • Tweets

  • Posts

    • Sending you a big hug. I’m sorry your going through this. The letters they send sound aweful, and the waiting game for them to stop. But these guys seem so knowledgable and these letters should stop. Hang in there, and keep in touch. Don’t feel alone 
    • In my time I've never seen a payout/commission from a PPC to a landlord/MA. Normally the installation of all the cameras/payment of warden patrols etc is free but PPCs keep 100% of the ticket revenue. Not saying it doesn't happen mind. I've done some more digging on this: Remember, what your lease doesn't say is just as important as what it does say. If your lease doesn't mention a parking scheme/employment of a PPC/Paying PCNs etc you're under no legal obligation to play along to the PPC's or the MA's "Terms and conditions". I highly doubt your lease had a variation in place to bring in this permit system. Your lease will likely have a "quiet enjoyment" clause for your demised space and the common areas and having to fight a PPC/MA just to park would breach that. Your lease has supremacy of contract, but I do agree it's worth keeping cool and not parking there (and hence getting PCNs) for a couple months just so that the PPC doesn't get blinded by greed and go nuclear on you if you have 4 or 5 PCNs outstanding. At your next AGM, bring it up that the parking controls need to be removed and mention the legal reasons why. One reason is that under S37(5b) Landlord and Tenant Act 1987,  more than 75% of leaseholders and/or the landlord would have needed to agree, and less than 10% opposed, for the variation to take place. I highly doubt a ballot even happened before the PPC was bought in so OPS even being there is unlawful, breaching the terms of your lease. In this legal sense,  the communal vote of the "directors" of the freehold company would have counted for ONE vote of however many flats there are (leases/tenants) + 1 (landlord). It's going to be interesting to see where this goes.  
    • @Whyisitthisthank you very much for asking. I am still feeling anxious, especially when someone rings the doorbell, or when I receive a letter I feel a it paranoid. I stopped going to the shops unless I really have to. I shop online now. When I see security I feel paralised. 
    • My expectation was their WS would include the best paperwork, like at least true copies of originals, but these just look wrong somehow, perhaps the font and size of font... Not sending me the DN in CCA request but producing it for evidence I would argue could be a tactic used by them... - Page 11 with ticks - there is no reference to IP addresses - Home addresses are correct for dates in documents   Just looking up example Defendant WS's while awaiting your thoughts on this
    • Hello lovely, just posting to check in to see how you are feeling now? Hopefully your feeling better? 
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Nearly 50. SLC/Erudio loan - wont age cancel! **WON PLUS COMPO**


shaft65
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2924 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Thanks for the replies and advice again chaps.

 

I had already emailed them before your reply WindySock, but luckily I kind of said the same thing.

.. I told them if I don't receive a speedy and satisfactory resolution I will seek legal advice.

 

 

I will keep you posted...

 

Regards

shaft65.

Link to post
Share on other sites

  • Replies 59
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Thanks WindySock.

 

I seem to be getting somewhere at last! I received this email today:

 

Dear Mr *********,

 

Thank you for your previous email.

 

After reviewing your account I can see that we did receive your deferment application form in 2014.

However this was automatically rejected after 60 days as supporting evidence was not received in time.

I can confirm that in order for you to qualify for age related cancellation, any arrears on your account must be cleared.

 

If you would like to discuss clearing these arrears, please contact our Customer Services team on 0333 003 7188.

 

Kind Regards

 

Erudio Student Loans

Erudio Student Loans Ltd

Office: 03330037188

PO Box 580, Rotherham, S63 3FR.

 

My concern is with the line "I can confirm that in order for you to qualify for age related cancellation,

any arrears on your account must be cleared." Particularly with the word qualify .

 

Now, I am willing to clear the arrears if they will write off my debt, but, being the sceptic I am,

I wonder if it is just a way for them to get me to pay my arrears

and then they will come up with some other excuse as to why they won't write off my account?

 

 

Or, do you think that this is enough evidence that they are actually going to do what they suggest?

 

I know the simple answer is to ring them.

But, again I thought I'd let you chaps see the exact wording of their email and hopefully advise me before I ring them.

 

Thanks as always.

 

Regards

shaft65

 

Link to post
Share on other sites

sounds promising so far.

as mentioned, if the arrears werent actually your fault,

then you shldnt have to clear them,

they should reverse them.

 

 

but,

it seems that they are saying that because the supporting evidence wasnt received within the 3 mths to back date then the arrears are legit.

 

 

i wld think that once those arrears are cleared, then they will cancel. maybe get them to confirm that.

 

though, see what windy says first. :)

Link to post
Share on other sites

12. The lender will cancel the borrower’s liability to repay the loan if the borrower—

 

(a) dies,

 

(b) is not behind on any repayments under any agreement for a student loan and—

 

(i) was under the age of 40 when his last agreement for a student loan was made and he reaches the age of 50

or when the last agreement for a student loan has been outstanding for not less than 25 years, whichever is the sooner, or

 

(ii) was aged 40 or older when his last agreement for a student loan was made and he reaches the age of 60, or

 

© if the borrower can show the lender that he gets a disability related benefit and because of his disability is permanently unfit for work.

Link to post
Share on other sites

Yeah Ford coz I'm the cat that won't cop out :-)

 

WindySock:

"If you clear the arrears, and at that point they have not called in the loan in full by defaulting/terminating the account"

 

Are you saying that after I pay my arrears they could still make me pay off the remainder of the loan by claiming I've defaulted??...

 

That's tad concerning!

 

 

shaft65.

Link to post
Share on other sites

Yeah Ford coz I'm the cat that won't cop out :-)

 

shaft65.

 

:lol: nice one.

 

re yr other point, no. windy means prior. they havent called the full amount of loans in have they?

but, of course, see what windy says :)

Link to post
Share on other sites

going by the letter posted in post 28

 

they say .....

 

I can confirm that in order for you to qualify for age related cancellation, any arrears on your account must be cleared.

 

so, they are saying that if you pay the arrears, you will qualify for the age related cancellation.

 

it would be quite easy to hold them to this by asking for a letter confirming

that should the arrears be paid, your loan thus, under the age related cancellation

will be null and void.

 

that is what WS is confirming.

 

as it stands, in my opinion, that letter is already good enough to be able to argue with the correct authorities

that you liability for the loan is gone, as you abided by the letter they sent.

 

your call what to do..

 

I know what I would do....belt and braces...

 

dx

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

WindySock:

"If you clear the arrears, and at that point they have not called in the loan in full by defaulting/terminating the account"

 

Are you saying that after I pay my arrears they could still make me pay off the remainder of the loan by claiming I've defaulted??...

 

No. I'm saying that the only way they can stop you having it written off is if they should default/terminate the account before you get around to bringing the arrears up to date.

 

Technically they would have a right to do that right now due to the arrears, but I don't think even Erudio are pushing their luck quite that far and evilly yet.

 

If you get the arrears paid off without them having done that, then IMHO you are home and dry.

Link to post
Share on other sites

Thank you all as always for your help and advice chaps. I'm going to relax with my family now and deal with this on Tuesday. Hopefully this will be a late Christmas present for me! I hope everyone has a great day tomorrow. I will post as soon as I know something new.

 

 

All the best chaps!

 

 

Regards

shaft65.

Link to post
Share on other sites

  • 2 weeks later...

Hi again chaps

 

 

Well without wishing to tempt fate, I seem to be making real progress. I reluctantly paid their imposed arrears and asked them both on the phone and via email to start my age related cancellation.

 

 

I queried the fact that they asked me to contact them 7 days after clearing the arrears as this takes me past January's DD payment date

 

 

I have had no contact from them yet and was advised by the agent on the phone to cancel the debit myself. I tried to do this today but was informed by the bank agent that they had already cancelled it!

 

 

So fingers firmly crossed - watch this space...

 

 

shaft.

Link to post
Share on other sites

  • 2 months later...

Hi all

 

Apologies for the lack of updates on this post

but until this week I had assumed that my Age Related Cancellation was complete.

 

I really am at my wits end with this bunch of Incompetent people !!!

 

After speaking with one of of their customer service reps

(see post above, who assured me that I didn't have to phone to start the cancellation process 7 days after clearing my arrears)

the only contact I have had with this mob up until this week was

a letter stating that January’s payment to them had been recalled by my bank

(again, they cancelled the direct debit following my conversation with their customer service rep, not me!!

I emailed them for clarification and got the following response:

 

Dear *******

Thank you for your email,

Regarding your concerns for January direct payment.

If you cancelled of the direct debit at the bank we would not have been able to collect this.

If the payment is taken from your bank account, we will refund this.

Regards,

 

 

I thought that was the end of the matter and patiently waited to hear from them for confirmation of my loan cancellation.

Having heard nothing from them,

I emailed them again on the 23rd of February, requesting an update.

 

 

I got the following reply the same day:

 

Thank you for contacting Erudio Student Loans.

We can confirm we have received your email and aim to respond to your query within 5 working days.

If your query is urgent, please contact one of our telephony advisors on 0333 003 7188.

 

I heard absolutely nothing from them until I returned from a family holiday

to find two identical letters waiting for me stating that I am now over £500 in arrears!!!

 

In the letters, it states:

 

 

We have recently sent you a Notice of Sums in Arrears (NoSiA)

or you may have received multiple historical NoSiA’s for arrears that fell due.

 

 

We are now writing to let you know that, despite making several attempts to contact you,

your account remains in arrears, the value of which is shown above.

 

Please contact us on… to discuss the outstanding arrears on your account…

 

This is a blatant and utter lie!!

I have had absolutely no contact from them since the 23rd of February (probably auto generated email) mentioned above,

not an email, letter or phonecall.

 

I am now utterly disillusioned and apparently back to square one with more arrears than I started with!

Can somebody please advise me on my next course of action, I am getting desperate!

 

Yours in hope.

 

shaft.

Link to post
Share on other sites

Formal complaint against Erudio, making it very clear that unless they

 

* cancel any arrears they have falsely allocated against you account

 

* confirm that they have cancel the entire loans under the age write off conditions

 

that you will be taking a complaint to the FOS and seeking redress/compensation against Erudio.

 

And may consider legal action for a specific performance to enforce your right to have the loan cancelled.

Link to post
Share on other sites

sorry but what else do you expect.

 

 

from post 1 you were/are going to continue to be fleeced blind.

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 in the least

something you must do.

 

 

you'll win

stand your ground.

as simple as that

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

Reasonable timeframe? 14 days should be more than enough. Remind Esrewdio that you were up to date, and the loans should have been written off, and further attempts to take payments are vexatious. Follow Windy Socks advice and go in after them hard. After all they would do the same to you.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

Have we helped you ...?         Please Donate button to the Consumer Action Group

If you want advice on your thread please PM me a link to your thread

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...