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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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karivar

Mobile mechanic failed the appointment and still charged

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Hello,

 

I'm having hard time with a mobile mechanic service.

I booked an appointment for a non-starting corsa via a popular online service and was given a timeslot between 8am and 10am for the mechanic to come. I provided my phone number and debit card details while booking the appointment online.

At the day of the appointment I stayed home instead of going to work wating for the mechanic. I waited in my appartment, which is on the 3rd floor in a block of flats.

No one calls me and at 9:28am I received a text message from them that the mechanic has been waiting on the address since 9:05am and that they give me 5 minutes or the mechanic will have to leave.

I start calling and am not able to get in contact until 9:50am when I'm told that unfortunately the mechanic has left and I will have to make another appointment. I am charged for the appointment £46.80 and receive an email proposing another appointment.

They insist that the mechanic tried calling me which never did, I tried calling instead. They also say the mechanic tried buzzing which might be true, and the buzzer is probably not working properly, but still they never tried calling me like they insist.

I complained on the webite's resolution center and they refuse to refund insisting the mechanic was there and tried buzzing and calling me. All the evidence they've uploaded is a screenshot of the text message from the mechanic's phone with the date and time. I have a screenshot from my phone showing my call details.

I'm waiting for the case to be escalated via their resolution center.

 

What can I do in case they refuse to refund ? This looks like sc@m to me.

Edited by karivar

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Contact your bank and begin the chargeback procedure. This should eventually get your money back although it will take a bit of effort. This is the easiest way. Getting the money back for the lost day's work would be trickier and probably not worth the trouble.

 

However, I do have to say that you know that you've got a buzzer that doesn't work properly. I think that you should have flagged that up to them when you made the appointment. I've got no comment to make on the discrepancy between the two versions relating to the phone call.


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When you got the text giving you 5 mins would it not have been better to go down to the car, rather than spending 45 minutes trying to call the company?

But I have to say I can see them challenging a reclaim if they can show calls were made via the engineers call log, so it might be worth trying to get a hold of it via them before going too far.

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