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    • 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.
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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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Today 07/01/2017 my partner and i had a visit from a marston holdings bailiff demanding payment from my partners daughter who no longer lives with us and is not on electoral register and proceeded to show him our tenancy agreement and that she has not lived here for over four years since going to university.

 

None of us at the address is named on the so called court order which he would not confirm also we have not had any notice that any enforcement agent would be visiting.

 

As the person on the enforcement notice was not in residence

we informed him that he was allowed to demand payment or remove goods he was insistent to the point of bullying saying he had the right to do what he wants and seize any cars or goods

 

my partner and her second daughter and her granddaughter 8 years was getting upset frightened and angry still he would not go and my partner was at the point of handing over her cameras to him until he said he would allow 10% of what they cost new

 

to which i got angry and insisted he leave but he was fueling an disagreement between my partner and i to the point i angrily and under duress i paid on my credit card.

 

This agent had proof that she no longer lived at this address and turns out no longer owned the car and was paying said penalty notice.

 

Take note Marston's agents do not take notice of their legal limitations and will do anything to take money off innocent people we did not incur the debt but will hound anyone to get payment.:mad2::mad2:

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Do a section 75 immediately.

Hopefully you got some of his behaviour on film, which will support the prompt report that you should do to the police for harassment /fraud/ threatening behaviour.

Insist that a local copper takes statements from all people presents, including minors.

They've got to stop this!

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If you have any more visits from anyone, then you should record what is said either in audio or video – although it is worth doing it without appearing to be provocative.

 

Do you know if this Agent was using a body worn video?

 

Was the granddaughter present and did she see it all? Did you draw her distress to the attention of the agent?

 

I see that you have a Hotmail email address. Many of our automatically generated emails go to the spam boxes in the Hotmail system. Please can you make sure that you white list us – or else check your spam box regularly.

 

It would be helpful if you would contact me directly by email on our admin email address. Thank you


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Today 07/01/2017 my partner and i had a visit from a marston holdings bailiff demanding payment from my partners daughter who no longer lives with us and is not on electoral register and proceeded to show him our tenancy agreement and that she has not lived here for over four years since going to university.

 

under duress i paid on my credit card.

 

This agent had proof that she no longer lived at this address and turns out no longer owned the car and was paying said penalty notice.

 

Am I right to assume that this debt relates to an unpaid penalty charge notice?

 

If so, there should have been quite a few previous notices from the local authority. These would have been a Notice to Owner....a Charge Certificate....and an Order for Recovery? There should have also been a Notice of Enforcement from Marston Group. What happened to these letters?

 

Do you have any idea when the road traffic contravention occurred?

 

Does your partners daughter still have a vehicle registered at the address?

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trouble is BA the EA will say it iis the address and not the person to get the amount owed.

Proof of the residents should have been enough.

This only seems to be the case when it suits the EA.

Agree about the notificatio, but if addressed to the OP's daughter then it is not for them to open only forward on.

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Have to agree with Leakie, the EA doesn't care who pays, debtor or third party, just so long as someone anyone does.


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