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    • 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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ninho

VCS 2015 PCN now BW Legal letter

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Hi,

 

I've been reading a lot on the forum about parking charges and what is advisable to do in the situation you get a ticket.

 

 

However because everybody's story is slightly different I feel its probably appropriate I post mine.

 

 

So here's my story:

 

I parked my car in a visitor spot in my friends apartment car park.

It is a private gated car park and has signs everywhere warning about parking without a permit.

 

 

I was visiting my friend who lived there at the time and he gave me a visitor permit.

However due to the permit being quite small it slipped underneath the black area of my windscreen and thus was quite hard to see.

 

 

I then received a ticket from Vehicle control services for a sum of £60.

Being a student I thought this was ridiculous and unfair as I had made a simple mistake and I did have a permit all be it difficult to see. I was driving my brothers car at the time.

 

 

I was advised by a few people to just ignore it as they are people who just try and take as much money off people as possible and so after researching online I decided to save my money and not pay.

 

 

I then received a lot of threatening letters directed at my brother who is the registered keeper of the car. I received the ticket at the start of April 2016.

 

 

After receiving quite a few letters I decided to email them in August hoping they would understand the situation and forgive the parking charge.

 

 

I then received a reply completely ignoring my reasoning and instead asking me to pay in instalments to pay back the £160 I now owed.

I then ignored it and didn't hear back.

 

 

Now I have received a letter from BW Legal for a balance of £160, 100 for the PCN and 60 for 'initial legal costs'.

 

 

I will attach the letter to this post and also attach my email I sent in august, and the reply I got in august.

 

 

They are still sending it to my brother even though I told them in the email that he wasn't driving at the time.

 

 

My brother is now quite worried as they mentioned a CCJ.

My thoughts are to carry on ignoring them as I have no intention of paying them £160!

 

 

What is the advice in this situation?

My only worry is I don't think I have a leg to stand on as they do have signs everywhere in the car park?

 

Thank you so much for any help in advance!

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you send the 2 line denial letter to BW

you'll have seen in many BW letter threads already.

 

 

dx


..

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Thank you so much for your reply! Just to double check is this the letter?

 

Dear Sir/Madam

Your Ref: ***********

 

I refer to your letter dated ***.

I have no intention of paying the money demanded by your client and any court proceedings will be vigorously defended.

 

You should note that this charge is disputed and you must now refer this matter back to your client and cease and desist all contact with me. I will not respond to any further communication on this unless it comes from a court.

 

I trust I have made myself clear.

 

Yours faithfully

 

 

Also do I post this or can I email this to them?

 

Thanks again,

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I would amend it to read after the first line to drop the bit about it being disputed and say denied in its entirety instead.

Never give them a window of opportunity to carry on harassing you


..

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Okay thank you so much dx, really appreciate the help!

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post. If you email you give them a method of harassing you for free. If they have to pay for stamps they will limit their taradiddles.

Thank you so much for your reply! Just to double check is this the letter?

 

Dear Sir/Madam

Your Ref: ***********

 

I refer to your letter dated ***.

I have no intention of paying the money demanded by your client and any court proceedings will be vigorously defended.

 

You should note that this charge is disputed and you must now refer this matter back to your client and cease and desist all contact with me. I will not respond to any further communication on this unless it comes from a court.

 

I trust I have made myself clear.

 

Yours faithfully

 

 

Also do I post this or can I email this to them?

 

Thanks again,

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Thanks ericsbrother! I've been busy recently so I shall get it posted asap!

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