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    • 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.
    • Hi Andy,   We were never notified with regards to this holiday no communication after they went into Admin. last week was the first time we heard anything at all and it was from RC themselves. I called them last night and explained everything and it looks like everything going to be okay we will only  lose the deposit which is a small price to pay I guess compared to £2000 I will update if I hear any more.   thank you Hb and Andy both for your  help   regards otb
    • yep, the UK is a bumpy twisty crowded ISLAND whos layout and transport infrastructure is best suited to Sea and Road. The rivers are generally to narrow and shallow, let alone steep, and the flat plains are simply to small and crowded to house a big rail system like Europe, China, India, Africa, Australia ............   So its smaller lots via road or ship em to the nearest port   Our railways are narrow and a bit cramped because they NEED to be. Canals were our infrastructure   When putting in just a couple hundred miles of track disrupts half the country for a decade or more, and costs a not so small nations national debt - its the wrong choice.
    • Yes HS2 is  a waste of space as a half hearted  implementation.
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EPC plc 'fine' cloned number plate? Netherlands

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Recently my mother received a fine from a company called EPC plc. Pan European Collection.


The letter was demanding payment for a fine in the Netherlands, where her car has never been. She sent them a letter saying that. They've rejected it. There were no payment details in the original or the new letter.


There are a few errors in there. Capital letters mid sentence.


They've told us to contact the police about the cloned plates and the police don't want to know.


Where do we stand on getting this annulled? Is it even a real company?


Thanks very much.

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Hello there.


Do you have the letter to hand please? It could help the guys to advise if we could see a copy, suitably redacted to remove personal details.



Illegitimi non carborundum




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I'm not sure to share a photo on here.


I've been adviced to contact the DVLA anyway about the cloned plates though.

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and now you totally ignore

as you've already made them think a mug awaits fleecing by replying.



you might even get a few scary phonecalls too.

you ignore those.



theres nowt they can do to you.



if you wish to take up the cloning with whomever then so be it.

but again theres nowt you can really do about it.



10,000's of cloned plates all over the EU and elsewhere


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Thanks for the advice!


Good advice. I've told my mother to ignore them. Citées the posts that have been shared here. She's going to go into the bank and warn them about this case they try and grab money from the account (not sure how but it happened before) and we will contact the DVLA in due course.

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Their response to her statement is tripe

but the reality is they will not be doing anything about it because they havent even told you who the creditor is for this supposed event.



A complaint to actionfraud about them would be in the offing,

you wont get any action but without the necessary details it is just a spoof letter that anyone can post out.



As for the DVLA she should ask them who has obtained her keeper details as that is undoubtedly a breach of the DPA and this time the DVLA are culpable.

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