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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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shywazz

New search on credit file

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Company does search 6 years after last dealings with them.

 

Over six years ago

, I was in pdl circle,

repaid 80% of all loans

, and ALL remaining defaults (5 defaults in total) dropped off in 2016,

only have one default left on credit file which drops off July 2017

 

Just received my up dated credit report and one company has done a search on my file,

highlighted as an ADMINISTRATION REVIEW for purpose of doing the search on 14/12/2016

although have had NO dealings with any credit company since 2009 when all my troubles began.

 

Have contacted NOODLE

who just say search is not seen by third parties,

which in fairness is fine,

 

but question I ask is

can a company do a search after 6 years of last dealings with them.

 

My credit file has vastly improved since 2015/16 with many defaults disappearing,

my credit score/file was dire until last year,

now on road to be debt free,

and now this search appears.

 

I gave no permission for this search as have no dealings with company who did search.


!2 years Tesco distribution supervisor

7 years Sainsburys Transport Manager

 

4 Years housing officer ( Lettings )

Partner... 23 Years social services depts

 

All advice is given through own opition, also by seeking/searching info on behalf of poster, and own personnel dealings.

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The search isn't seen by anyone other than you and the outfit searching your file.

 

You don't need to give them your permission, it isn't your credit file, it's theirs to do with what they wish and to make money out of.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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. The company that did search is instant cash loans ltd.

 

.. As behaved myself since 2009 learnt by my mistakes.

 

Noodle still stating that search was for marketing proposes and wont show to third parties.


!2 years Tesco distribution supervisor

7 years Sainsburys Transport Manager

 

4 Years housing officer ( Lettings )

Partner... 23 Years social services depts

 

All advice is given through own opition, also by seeking/searching info on behalf of poster, and own personnel dealings.

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Thanks Bazooba Boo I get what you are saying..... It does clearly state on Noodle and Experian the following statement.........

 

Can anyone search my report?

No, you have to give permission for a search to be made on your credit report. This will normally be done as part of the application process for the credit account.


!2 years Tesco distribution supervisor

7 years Sainsburys Transport Manager

 

4 Years housing officer ( Lettings )

Partner... 23 Years social services depts

 

All advice is given through own opition, also by seeking/searching info on behalf of poster, and own personnel dealings.

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They have to hold a consumer credit licence


..

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the permissions bit is when a footprint is left that others can see.

This is waht is called a soft search.

many insurance companies do this sort of thing when they are offering a renewal quote to you at some point in the future.

 

You will find that some third parties have an arrangement with the CRA to access their datasbase on behalf of others.

 

If you suddenly find yourself the target of marketing by this outfit or anyone else connected with them then you will have grounds to complain to the ICO if they dont stop it when you tell them to.

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Letter from Noddle stating that search is only seen by myself and not third party, it does not damage credit score or anything, search was done by company doing a admin review, nothing more. least that sorts my worry out. Thread to be closed please.


!2 years Tesco distribution supervisor

7 years Sainsburys Transport Manager

 

4 Years housing officer ( Lettings )

Partner... 23 Years social services depts

 

All advice is given through own opition, also by seeking/searching info on behalf of poster, and own personnel dealings.

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so as we advised

we don't close threads

 

 

dx


..

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