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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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Hi,

 

I am after some educated views/advice around a DMP and getting a mortgage.

 

I have had a mortgage for over 13 years but unfortunately also a DMP for 8 years ☹️

 

As my DMP has been in place for this amount of time my Credit file is actually very good and completely free from anything including defaults, arrears, and any trace of any of the debt making up the DMP.

 

I have approx 2 years to go on the DMP with approx 10k outstanding.

 

My question is

what is stopping me remortgaging and buying a new house?

 

 

I've had a considerable salary increase in recent years and can afford a much bigger mortgage so would like to move house.

 

 

I accept that in some ways this also means I could pay off my DMP quicker,

but having lived with it for 8 years and suffered all the consequences on my actions relating to debt

I feel I am entitled to a bit of a break or at least to be treat 'normally'.

 

If there is nothing on my Credit file to suggest any debt,

I've actually had no defaults in over 6 years so don't have to declare it,

and there doesn't seem to be a question on the mortgage application forms that ask if you have a DMP so again I wouldn't be disclosing it.

 

Any mortgage experts have a view or any advice

 

Thanks


My YB account: S.A.R. 11/10/06: Prelim 09/02/07: LBA 17/02/07

Wifes YB account: S.A.R. 11/10/06: Prelim 23/11/06: LBA 27/11/06: Offer Rejection 17/12/06: MCOL 09/02/07

Joint YB account: S.A.R. 11/10/06: Prelim 09/02/07: LBA 17/02/07

My FD account: Settled

Wifes FD account: Settled

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you are 100% correct.

 

 

whos the DMP with

and who are getting paid through it?

 

 

if the debts are with DCA's

and you never sent things like CCA request to each one

or ever looked at reclaiming stuff like PPI etc

you could well be quids in after reclaiming

and lose many of your debts to if they prove unenforceable.

 

 

let go see if you old threads give any clues.

 

 

dx


..

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The DMP is through CCCS, and I have about 5 creditors left.

 

Never looked into PPI and don't know what you mean about CCA!!

 

I just wondered if there are any stories of people getting mortgages with a DMP in place where there credit history is clear

 

Thanks


My YB account: S.A.R. 11/10/06: Prelim 09/02/07: LBA 17/02/07

Wifes YB account: S.A.R. 11/10/06: Prelim 23/11/06: LBA 27/11/06: Offer Rejection 17/12/06: MCOL 09/02/07

Joint YB account: S.A.R. 11/10/06: Prelim 09/02/07: LBA 17/02/07

My FD account: Settled

Wifes FD account: Settled

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yes

whats not showing you don't tell them about mortgage wise.

 

 

CCa request

 

 

blindly paying a creditor could be seen as being cash cowed

who says you owe the debts anyway?

are they all with DCA's now?

 

 

the CCA request should tell you if you have PPI to reclaim?

 

 

can you list those paid through your DMP please?


..

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Hi,

 

Sorry I'm a bit slow on picking all this up as it's a long time since I even considered applying for credit and yes I have been blindly paying creditors through my DMP but what else could I do?

 

I guess my moral view is I initially took debt on then couldn't pay it so I went on a DMP all interest was frozen and I paid an affordable amount. My debts are all now with different companies to which they started so if thats what you mean by DCA then yes that's who they are with.

 

I will start to look at the PPI stuff but at the moment I just want some support on martgages and any positive experiences of those in my position.

 

I would also like anyone 'in the know' about the mortgage approval process to tell me what will happen as part of that process and where if anywhere my DMP may be highlighted.

 

List of original creditors and who I now pay (Still Outstanding):

 

Yorkshire Bank - Apex Credit Management (£5800 outstanding)

MBNA Ltd - Moorcroft Debt Recovery (£1750)

BOS Credit cards - Lloyds Bank (£960)

First Direct - NCO Cabot (£650)

Yorkshire Bank Card Service - Apex Credit Management (£350)

Egg Card - Link Financial Outsourcing (£290)

Argos Card - Lowell Financial (£250)

Capital One - Capital One (£120)

 

Creditors now cleared through DMP:

Yorkshire Bank (BC) - Apex

Shop Direct - Debt managers Ltd

Next Directory - Moorcroft

First Direct - Moorgate Loan Servicing

NCO Shop Direct - NCO Cabot

YB PLC - Yorkshire Bank

 

Thanks


My YB account: S.A.R. 11/10/06: Prelim 09/02/07: LBA 17/02/07

Wifes YB account: S.A.R. 11/10/06: Prelim 23/11/06: LBA 27/11/06: Offer Rejection 17/12/06: MCOL 09/02/07

Joint YB account: S.A.R. 11/10/06: Prelim 09/02/07: LBA 17/02/07

My FD account: Settled

Wifes FD account: Settled

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Yorkshire Bank - Apex Credit Management (£5800 outstanding) - apex don't buy debts - who are their clients.

MBNAlink3.gif Ltd - Moorcroft Debt Recovery (£1750) - moorcroft don't buy debts - who are their clients.

BOSlink3.gif Credit cards - Lloyds Bank (£960) - send a CCA Requestlink3.gif

First Direct - NCO Cabot (£650) - CCA Requestlink3.gif

Yorkshire Bank Card Service - Apex Credit Management (£350) - apex don't buy debts - who are their clients.

Egg Card - Link Financial Outsourcing (£290) - CCA Requestlink3.gif

Argos Card - Lowell Financial (£250)- send a CCA Requestlink3.gif

Capital One - Capital One (£120)CCA Requestlink3.gif

 

 

throw the morality card out the windows

those debts that are not still being paid directly by you to the original creditors have been most probably sold to DCA's

so why sell a debt on...probably because the balance is mostly penalty charges and PPI etc all reclaimable - you don't owe all the money they claim

 

as for the mortgage

what is not showing on your credit file

you don't tell them about

you are under no obligation to tell them about any DMP you are in

 

but looking at your debts and whom you pay

to me 80% of them are being paid to DCA's = most probably being cash cowed.

 

use our search CAG box of the red top toolbar

and type in cash cow and get reading

you'll soon get the idea


..

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Not sure what you mean by they don't buy debt who are their clients?

 

Are you saying that I should put a claim in against all the creditors for PPI and for all of the debts sold on I should request the CCA?

 

With the CCA is this so that if they cant provide it they cant enforce the debt?

 

Thanks


My YB account: S.A.R. 11/10/06: Prelim 09/02/07: LBA 17/02/07

Wifes YB account: S.A.R. 11/10/06: Prelim 23/11/06: LBA 27/11/06: Offer Rejection 17/12/06: MCOL 09/02/07

Joint YB account: S.A.R. 11/10/06: Prelim 09/02/07: LBA 17/02/07

My FD account: Settled

Wifes FD account: Settled

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Not sure what you mean by they don't buy debt who are their clients?

Moorcroft and apex see their letters

 

Are you saying that I should put a claim in against all the creditors for PPI

- no await cca return

 

and for all of the debts sold on I should request the CCA? Yes ASAP

 

With the CCA is this so that if they cant provide it they cant enforce the debt?

Correct

Thanks

 

Not all DCA's buy [own] debts

Some only chase for their client [the debt owner usually the original creditor]


..

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Hi,

 

Moorcroft are acting for MBNA and Apex for Yorkshire Bank.

 

I guess the debt is still with the initial creditors then and these DCA's are just pursuing it for them but what difference does this make to me in regards the DMP?

 

Also have you heard of anyone getting a mortgage whilst on a DMP

 

Thanks


My YB account: S.A.R. 11/10/06: Prelim 09/02/07: LBA 17/02/07

Wifes YB account: S.A.R. 11/10/06: Prelim 23/11/06: LBA 27/11/06: Offer Rejection 17/12/06: MCOL 09/02/07

Joint YB account: S.A.R. 11/10/06: Prelim 09/02/07: LBA 17/02/07

My FD account: Settled

Wifes FD account: Settled

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Hi,

 

Moorcroft are acting for MBNA and Apex for Yorkshire Bank.

 

I guess the debt is still with the initial creditors then and these DCA's are just pursuing it for them

but what difference does this make to me in regards the DMP? none

Also have you heard of anyone getting a mortgage whilst on a DMP

 

Thanks

 

 

I've answered that question in every one of my posts already.


..

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