Jump to content


  • Tweets

  • Posts

    • The incident was 03rd March 2024 - and that was the only letter that I have received from MET 15th April 2024 The charge I paid was at the Stansted Airport exit gate (No real relevance now - I thought this charge was for that!!).   Here is the content of email to them (Yes I know I said I was the driver !!!!) as said above -  I thought this charge was for that!! "Stansted Airport" Dear “To whom it may concern” My name is ??  PCN:  ?? Veh Reg: Date of Incident: 03rd March 2024 I have just received a parking charge final reminder letter, dated 10th April 2024 - for an overstay.  This is the first to my knowledge of any overstay. I am aware that I am out of the 28 days, I don’t mean to be rude, this feels like it is a scam My movements on this day in question are, I pulled into what looked like a service station on my way to pick my daughter and family up from Stansted airport. The reason for me pulling into this area was to use a toilet, so I found Starbucks, and when into there, after the above, I then purchased a coffee. After which I then continued with my journey to pick my daughter up. (however after I sent this email I remember that Starbucks was closed so I then I walked over to Macdonalds) There was no signs about parking or any tickets machines to explains about the parking rules. Once at Stansted, I entered and then paid on exit.  So Im not show where I overstayed my welcome.. With gratitude    
    • Just to enlarge on Dave's great rundown of your case under Penalty. In the oft quoted case often seen on PCNs,  viz PE v Beavis while to Judges said there was a case for claiming that £100 was a penalty, this was overruled in this case because PE had a legitimate interest in keeping the car park free for other motorists which outweighed the penalty. Here there is no legitimate interest since the premises were closed. Therefore the charge is a penalty and the case should be thrown out for that reason alone.   The Appeals dept need informing about what and what isn't a valid PCN. Dummies. You should also mention that you were unable to pay by Iphone as there was no internet connection and there was a long  queue to pay on a very busy day . There was no facility for us to pay from the time of our arrival only the time from when we paid at the machine so we felt that was a bit of a scam since we were not parked until we paid. On top of that we had two children to load and unload in the car which should be taken into account since Consideration periods and Grace periods are minimum time. If you weren't the driver and PoFA isn't compliant you are off scot free since only the driver is liable and they are saying it was you. 
    • Thank you dx. I consider myself well and truly told :) x Thank you dx. I consider myself well and truly told :) x
    • Doubt the uneconomic write off would be registered, unless you agreed to accept write off settlement of the claim. It is just cosmetic damage. All that has happened, is that the car has been looked at and they realised the repair costs are going to exceed the value of the car. If the car is perfectly driveable with no upcoming normal work required to pass next MOT, your current Insurers will continue Insurance and you can accept an amount from third party Insurers to go towards you repairing the scratched bodywork.    
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
        • Like
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Erudio/Drydens claimform - old Student loan


Recommended Posts

I've received a letter from Drydensfairfax today on behalf of Erudio student loans saying that they have issued a claimform 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?

Link to post
Share on other sites

  • Replies 74
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

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.

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

Link to post
Share on other sites

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... 

Link to post
Share on other sites

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

Link to post
Share on other sites

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

 

 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

Link to post
Share on other sites

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... 

Link to post
Share on other sites

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.

Link to post
Share on other sites

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

Link to post
Share on other sites

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... 

Link to post
Share on other sites

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 ....

Link to post
Share on other sites

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... 

Link to post
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.

Link to post
Share on other sites

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... 

Link to post
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... 

Link to post
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

 

Link to post
Share on other sites

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.

Link to post
Share on other sites

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... 

Link to post
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

Link to post
Share on other sites

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

Link to post
Share on other sites

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... 

Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...