erudio harassment

[mje669]

Hello

 

So much information out there my brain is fried and it's about time I sorted this out.

 

Erudio have started up their harassment again, stating my loans have matured and full payment is now required.

 

My 4 loans are from between 1996-2000.

 

I am self employed, have never earned above the threshold and although I have moved around a lot I have always kept in touch with both SLC and their parasite DCAs to update them of my situation.

 

I responded to erudio's first demand letter by informing them about my income and including some sa302s. They have ignored this and gone straight to the second demand letter to pay in full within 7 days or legal action, etc.

 

Is it correct that Erudio are only a DCA?

 

If so what power do they actually have or is it just scare mongering?

 

How do I make them stop, I don't want to ignore them and have the harassment continue but how do I respond correctly?

 

Also, what can I do about the excessive fees and charges added over the years from them and the previous DCAs.

 

I will continue to do my research but any advice on what legal action I can take would be greatly appreciated.

 

Thanks again.

Edited November 29, 2018 by dx100uk
spacing

[WarrenBuffet]

Yes they are only a lying, cheating DCA. Do not believe a word they say and the demand for full payment is borrocks. Just stuff it in the bin and forget about it.

[mje669]

'borrocks', made me smile

[dx100uk]

As long as they have your correct address and have replied/written to you there

Then its safe to ignore them

They've not issued any claim forms yet

But you don't ignore one of those mind!!

 

That letter is a current one doing the rounds

Several have had one

 

 

Read it properly too

Doesn't say will anywhere

You should always ignore and not enter dca letter tennis

Dx

[mje669]

Thanks Dx much appreciated. It's taken me a long time to ask for advice but i can't see it was worth it.

 

Claims form as in small claims?

 

Is a small claims against erudio/slc for fees a viable option?

 

If I don't earn above the threshold is there anything anybody can do?

 

Is the debt now owned by erudio and therefore no longer has anything to do with slc?

 

Thanks again

 

Will an SAR be useful

[dx100uk]

no I meant them issuing a claim against you..

 

there are a few things going on in the background regarding arrows and some of these matured SLC loans

 

cant say too much but

at present that we are hoping this reaps good rewards.

 

we've not seen anyone adding charges to any SLC loans

and no theres no lawful remit for them to do so.

 

can you expand..

and you say several dcas ?

or do you mean the other names for arrows or members of their group?

 

any letters detailing these supposed charges?

 

dx

[mje669]

My apologies I thought they were fees but they appear to be interest charges.

If I can't pay the repayments how is adding interest logical?

 

Is a matured student loan a real thing or is more bs?

 

In 2014 erudio reduced fees by £1500 saying some lie about cca 1974.

 

The balance, interest charges and interest rate also changes on every letter.

 

Other DCAs were credit solutions and buchanan, clark & wells.

 

Cheers

[dx100uk]

um doesn't sound like you loan took the normal route to arrows then.

 

 

the history is too bitty to give a proper answers

if you have letters and a time line

then scan them up to PDF if you wish

follow the UPLOAD

 

 

not that it makes any odds to your situation mind

but it will throw more light on what has gone on to enable a tighter response

 

 

dx

[mje669]

That doesn't surprise me, my life hasn't exactly taken the normal route.

 

I have approx 100 letters but only dating back to 2010, I have nothing before that.

 

If it helps I can certainly upload those letters if you wish.

 

Will SLC and DCAs have our correspondence history, will this be part of an SAR?

 

Can anybody do anything if I'm below the earning threshold?

 

Your help is much appreciated

[dx100uk]

i don't think anyone can do anything now

but it would be nice to see the letters

 

 

PLEASE make SURE you redact each one

and post the lot in ONE MULTIPAGE PDF.

 

 

follow the upload guide

 

 

I would be sending the SLC an sar.

[mje669]

Did your first line mean that slc/dcas can't do anything to me or that nobody can help me?

[dx100uk]

hurt you

[mje669]

apologies dx, just read my 2nd post. supposed to read can say it was worth it, not can't

[mje669]

pleasing news