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    • HRT process for returning British citizens can be quick, if they show evidence of now being resident in the UK and working or looking for work. So important to take all documents to Job Centre appointment confirming ID, residency at an address, evidence of work or looking for work e.g. Job applications.   if enough evidence is provided a decision can be made in a few days. And once entitlement is confirmed, then your Son can apply for an advance payment.   Under Universal Credit, once the claim is up and running, then first normal payment made after 5 weeks from start date. Work search appointments regularity can depend on Job Centre and how busy they are. Some people have appointments every fortnight and others once a month approx.  The important thing is complying with commitment and not missing appointments to avoid sanction. It is people who fail to attend work search and other mandatory appointments or fail to show sufficient evidence of looking for work, who can end up with a sanction.
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    • wasn't always that way changed with the spc rules of 2016. also, staple a copy of the cabot no cca letter to the courts copy. dx
    • sar to MBNA CCA request to arrows   their address means their address not YOURS!!   once they or anyone you are blindly paying fails the CCA request after 12+2 working days your option to cease payment until they comply exists.    
    • for an account from 1998 I would suspect penalty/OD charges and the interest they have caused far outweigh any outstanding sum owed now. you shoyld have stop the month after you started the same with any other debts you are blindly paying. it probably that fact alone that has given PRA the idea to PAP you, as they can see you are blindly paying and think they can easily frighten you into more free money to their drinkies/holiday staff funds  
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    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
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    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
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      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
      • 0 replies

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I like many others objected to Erudio's new terms and conditions that I had to accept if I wanted to defer my student loan.

 

So before the deadline I used the template letter and sent in my proof of earnings, but they just ignored me.

 

So I sent it in again with another letter, and a note to say I didn't like being ignored.

 

They just ignored me.

 

Then they sent a default notice, giving me X number of days to contact them, the start date of these days was about a week before they posted it.

 

I wrote them another letter disputing the default and objecting to their inability to post letters on time.

 

Now they have terminated the loan and demand full payment in 7 days, yet again sent late.

 

Any ideas of how to deal with what appears to be a best slack, at worst criminal company?

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lots of threads here on them

this appears to be their new tactic

did you send a deferment form [the old SLC version

or just a letter

that dhould suffice ok.

 

 

has this appeared on your credit file yet?


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I sent in a letter, I would have liked to have used the form, but it appeared that I was signing away my rights if I did.

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no not their arrows form

a copy of the old SLC deferment form

its on here somewhere

 

 

incidentally arrows were told to remove that from their forms by the authorities


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They moved all the t&cs onto their website, to use their form I'd have had to consent to dynamic terms and conditions.

I was quite happy with the original terms and conditions that I signed up to, I assume they'll try to take me to court for the full amount now?

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doubt it

they've not done that yet to anyone.

 

theres no hard and fast rules that you must use any form to defer

theirs or the old SLC one.

 

has this come up on your cra file yet?


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They must have a game plan, why else refuse to defer people?

 

I sent everything recorded, so I can prove to a court that I've kept up with my obligations, but Erudio just ignored me.

 

Pretty slack, or obtaining money by deception?

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I've not checked my file, I Dont really want to as it seems like a way of the blacklists just harvesting more of my personal information.

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old and wives tales...

go check it


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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

 

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Year before I used a solicitor to force them to defer my loan - my contractural right after all.

 

This time I decided to just send the letters myself - I don't see why I should have to pony up £700 solicitors fees every year just because some chancers working out of a tax haven want to earn easy money.

 

When solicitor was on the case plenty of response, but they've ignored me, which won't look good in court I'd have thought?

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I've made that one a stickie now

keep forgetting it!!

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

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The CAG Interest Tutorial Read Here

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I've made that one a stickie now

keep forgetting it!!

 

 

dx

 

Good move :wink:


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

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Today I get 4 letters from Erudio, 4 x arrears notices?

 

But the last letter was the termination notice?

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Seems to be their current ploy


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

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But I can't be in arrears if i've been terminated??

 

I feel like the whole plan is to mess everyone around and then scare them in to paying.

 

I guess I should reply to their latest letters pointing out that I have twice sent them proof of earnings?

 

But when I do write they just ignore me.

 

We need proper financial regulation in this country.

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I feel like the whole plan is to mess everyone around and then scare them in to paying.

 

.

 

 

that is the primary idea of every DCA from day one on any debt they buy.

 

 

you are learning.

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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I suppose sooner or later they'll try to take me to court, that's if the loans are actually enforceable?

 

We've all been missold over these,

the promise that having one would not effect your credit or access to other financial products,

and that they were a special sort of loan from the government,

not from a loan shark working out of a tax haven and that if you did not earn enough,

you'd not have to pay, all lies.

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well no in certain things

 

 

the original SLC T&C's allowed them to report to the CRA files if you got into arrears

though they didn't actually do that

 

 

its like all debts sold on

there enough in the T&C's and the agreement for it to be worth buy buyers investing money buying the portfilios

 

 

that's why arrows set up this erudio company etc etc.

 

 

if if if they ever do anything with them

is another kettle of fish.

 

 

10'000's will pay regardless and simply and

blindly accept that they've got the wrong idea

[that a DCA had magic powers and are bailiffs

and can come and take their pet budgie and their kids to into care

at the drop of hat.

 

 

a very small % find sites like cag

and fight and question everything.

 

 

it will be years down the line

to if arrows actually 'do' anything court wise

 

 

there have been a few rumours and supposed cases

those have never been proved true.

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Someone won - albeit because Erudio didn't respond, a couple of weeks ago, and Anthony Reeves has had some success last year, so Erudio are far from unbeatable.

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ifyou want

post the links here to those two

 

 

you might have to convert the links to tinyurl and paste them here for them to work.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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From another forum:

 

"The saga over Erudio's (and the mysterious 'Erudio Customer Management Ltd') FCA authorisation continues. Their interim permission with the FCA has now lapsed, so they're no longer authorised and are acting illegally if they continue conducting regulated business (put Erudio in search box here):

 

http://fca-consumer-credit-interim.force.com/CS_RegisterSearchPageNew"

 

So if Erudio are no longer FCA authorised, can they continue to run the loans?

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erudio are arrow global

so are covered by the group authorisation.

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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But on their website it says:

 

"Erudio Student Loans Limited is authorised and regulated by the Financial Conduct Authority for certain credit-related regulated activities. It is registered on the Financial Services Register under registration number 659653"

 

Does having a shareholder with FCA authorisation allow Erudio not to bother?

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"Arrow Global Group PLC (the "Group"), one of Europe's leading purchasers and managers of debt, is pleased to announce that its wholly owned subsidiaries Arrow Global Limited, Arrow Global Legh Limited, Arrow Global Massey Limited, and Capquest Debt Recovery Limited have received their full Financial Conduct Authority (the "FCA") authorisation." (http://www.arrowglobalir.net/news/rns/id/657)

 

No mention of Erudio??

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