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Erudio/Drydens claimform - old Student loan


ceeferace
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I've received a letter from Drydensfairfax today on behalf of Erudio student loans saying that they have issued a CCJ against me.

 

I haven't received anything yet.

I thought this was statue barred

 

but have just called and they said that the last payment was July 2011.

 

I guess I just wait now to see if I receive the form rather than engaging with them.

 

Is anyone familiar with them?

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Yes you will see many threads similar to yours.

 

Erudio bought loads of old student loan debt.

 

I think you meant that they have issued a court claim, rather than they already have a CCJ ?

 

More details needed. What years were these student loans taken out ?

 

Did you complete any deferment after the last payment in July 2011 ?

 

Before July 2011, was there ever a period of 6 years when you made no payments and did not defer ?

We could do with some help from you.

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yes drys are arrows are erudio.

stay off the phone!!

 

tell us the history of the loan too

 

can you scan that letter up please to PDF

 

and most of these letter refer to an old CCJ not they are going for one

this is the first time we've heard of that...

 

 

https://cse.google.co.uk/cse?cx=partner-pub-0964707606882478:652l7hswbgv&ie=UTF-8&q=Drydens+fairfax+Erudio&sa=Search+CAG#gsc.tab=0&gsc.q=Drydens%20fairfax%20Erudio&gsc.page=1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I have scanned and attached the letter

 

To be honest I am not sure exactly when I last deferred the loan repayments.

 

 

The loan would have been from a period between 1996-1999.

 

 

I did make repayments and also deferred at times when I wasn't earning above the threshold.

 

According to Drydensfairfax my last payment was July 2011 (just short of 6 years ago)

claimform coming.pdf

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As these loans would have been under the Consumer credit act,

 

 

i suggest that you send them a CCA request with the £1 fee required for such requests.

If they can't provide the original CCA, it should stop them getting the CCJ, if you defended.

 

 

Be aware you might have to attend court as part of defending.

If you don't want to do this, then I would suggest that you negotiate a repayment arrangement over a period of time, provided they cancel the court claim.

 

I would presume this is not the first letter you have had ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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yes others letters?

 

i'd get an sar running to slc as well.

lets get the truth of what has actually gone on....with them directly

 

I would assume you've moved since you studied..

have you been in contact with SLC at your present address...

 

shame you rang them..

 

thought you'd learned about no doing those things from your other threads..:!:

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks, will do

 

Not at my present address but I have redirection from my old address.

 

I called as if the claimfofm hadn't been issued I was hoping to avoid it, didn't realise that calling was detrimental as such.

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Calling companies is not detrimental, provided that you know the score and what questions to ask. Also recording the calls is important, as you might trip them up, provided that you tell them the call is being recorded.

 

You obviously realise that this is purely about making a profit. Government have sold these loans. The investors who bought the debts now want to maximise how much they can make. They won't have all of the paperwork related to your loans and will just have whatever data has been passed to them. If they can't get hold of the original CCA, you might be able to avoid this debt.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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it appears that drydens have been issuing claimforms to KNOWN old address whereby they know the student hasn't updated things

 

so they get a default CCJ were nothing is checked.

 

three of those are here already. not sure on their resolution mind as people don't comeback after the help we give.!!

 

it appears you are travelling new ground here.

 

i've just confirmed with my contact somewhere secret

and he says to date there have been no claimforms issued by erudio

directly to students whereby they have their correct addresses if you get what I mean..

 

they only issue to old addresses knowing they will get a guaranteed backdoor CCJ where nothing is checked..

 

soo..

that mean there must be an issue..

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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It was sent to my latest address before I moved in the last 2 months. I have changed addressed a few times since being a student.

 

What kind of issue .....

 

Ah, I re-read and see what you mean ....

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now what that issue is I don't know...

slc sar will be vital..

 

basically you've caught them out as they never expected a reply..

what other letters have you had..

 

i'm gonna move this thread to the SLC forum

until you actually get them claimform

 

I have my doubts at present..

 

urm..no.2.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?474998-Worrying-letter...-Can-Drydensfairfax-take-me-to-court-for-a-1996-Student-Loan-Debt&p=5006519#post5006519

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

I've found the previous letters (in a pile of mail from my old address), I need to be more organised!

 

Through Jan and Feb, there is a letter stating that the loan reached maturity (loan date 1999), notification of account transfer to drydensfairfax and then a letter warning legal proceedings if they don't hear from me.

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ah I think the link is maturing or has!

 

 

go read that thread..

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

as far as I'm aware if it matured its done with..

jigsaw pieces need putting together get reading up!

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

This could be very interesting... If it has matured then DX is right... It is done with...

 

However you could actually take this further after the case if it is thrown out an get some compensation for the hassle...

 

But let's see what happens with this now...

 

As DX said, get reading... And keep an eye out on the post

..

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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I don't think "Maturity" has a bearing on the cancellation of a loan from The Student Loans Company.

 

I too received a letter from Erudio saying my loan had matured, but it didn't say it was cancelled.

 

..Erudio then requested payment a couple of months aftwerwards, and a few months after that Dryden demanded payment under pain of Court Claim.

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i am fast coming to the conclusion these are simply to scare people

cant say 100% yet

but going by a text I just got from one of my spies

I have a feeling that because they know you have gotten the claim letter

they wont go further.

 

it appears these are being issued in an attempt so get a backdoor CCJ and not be fronted in court

don't know why yet..

 

i'm awaiting one of my spies to send me a copy of the letters chain used on these existing backdoor CCJ's

 

 

he says hes sure hes seen that letter before...

 

when do you reach 50?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Think you need to prepare for a court claim being received.

 

CCA request to Drydens

 

SAR to SLC for complete copy of data. You need to know what SLC recorded for each year the loans have been outstanding. If they don't record any deferment, then it becomes a default outstanding obligation. In some of the cases i have seen, SLC have told Erudio that payments or deferments were missed and how much is oustanding because the loan terms have been breached. Hence why you need to know exactly what is recorded.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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If Drydens and Erudio are working together in the same building, but Drydens are dealing with this currently, i would personally send the CCA request to Drydens, asking them to forward it to Erudio if needed. The danger in just sending it addressed to Erudio, is that Drydens don't know about the request.

 

CPR goes to Drydens to request all documents they mentioned in the claim.

 

SAR to SLC marked urgent ( Court claim in progress)

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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expect a claimform any day now

unless you are over on mse as well

this is the 4th claim the same this week

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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