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    • She impresses me vastly Lives by her beliefs too  
    • It's a very simple answer It,s a tradition me and a few of my long term mates go the pub to watch the football all day on boxing day and on new years day and our number one rule is we don't take our phones.! We don't see each other as we used to with us all leading different lives and having families but that is the one thing we have all promised too do until the day we die.! So it was quite normal for me not to have my phone and no need to worry about it because xmas and new year is the inky time of the year that I get a complete break from work zero emails zero phone calls.Its the only time in a whole year I completely have a break.
    • St Greta would love a canal with solar powered narrowboats.........
    • Name of the Claimant ? Erudio Student Loans Ltd   Date of issue – 9th Jan 2020   Particulars of Claim   What is the claim for – the reason they have issued the claim? 1.The claimant claims £10,100 for monies due from the defendant   2.The debt was pursuant to a regulated agreement(s) between the defendant and The Student Loans Comedy Limited. Each agreement had an individual account number as follows  XXX XXX XXX XXX   3.The defendant failed to make payments as per the terms resulting in the agreements being terminated. Notice of such is served by a Default or Termination Notice subject to the terms of the agreements.   4. The debt was assigned to the claimant on XX/XX/2013, with a notice provided to the Defendant. A new master reference number XXX was also applied upon assignment 5. The claimant has complied with the Pre Action Protocol for Debt claims.   What is the total value of the claim? £10,100  Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? No    Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes, possibly more than once. This claim form has been sent to my home address   Did you inform the claimant of your change of address? No, I have never heard of Erudio before I received this claim form.  I did notify The Student Loans Company Ltd about my address change though. Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Student Loans   When did you enter into the original agreement before or after April 2007 ? Before.   Do you recall how you entered into the agreement...On line /In branch/By post ? I think I signed the forms in person, although it would have been about 25 years ago so I can't be positive.   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? No   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. It says that the debt was assigned.   Were you aware the account had been assigned – did you receive a Notice of Assignment? No, I have never received any notice of assignment   Did you receive a Default Notice from the original creditor? Not to my knowledge   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Not that I remember   Why did you cease payments? I always returned Deferrment notices to The Student Loans Company as I never earned enough to have to start repaying these loans. I still haven't. But the SLC stopped sending deferment notices to me, and in fact stopped sending anything to me. I don't know when the last time I had any communication from them.   What was the date of your last payment? I've never paid     Was there a dispute with the original creditor that remains unresolved? Not to my knowledge    Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No I did not   This is for a huge amount of money, and I've never heard of Erudio before I received this. I do sometimes have problems with my post at my home address.  I really appreciate all help that anyone can give with this. My ideal outcome on this would be that they drop the court action and I send them Deferment notices for the future.
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kkdt

Xercise4Less/Harlands/CRS.. help!

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I may have all this to come it seems. :sad:

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Hi all,

Just when I thought this was all over (wishful thinking!) I received this email for CRS..

"Your file has recently been returned to was by our external agents. According to our records, do you still have an outstanding balance of £243.47, in connection with xercise4less. Please call us today to discuss repayment of your balance. A payment plan can be set up if you are unable to pay the balance in one go."

 

I'm assuming I should just continue ignoring the emails?

 

Thanks :)

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Hi KK,

 

My reading of the CRS email is this :-

 

"Dear KK,

 

You ignored Zinc's demands just like everyone else who gets advice from CAG. And there's nothing they could do about this so they've told us at CRS they're wasting no more time on an alleged debt that they can't enforce.

 

So we're writing to you again hoping that, for some strange reason, you'll now be very afraid of the Hot Air we keep spouting, and you'll send us lots of money which we say you owe.

 

Yours scarily,

CRS (Harlands in disguise)"

 

As DX has said already, Ignore them but keep a log of any further contact from them in case a formal complaint is needed for harassment.

 

:-)


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