Erudio/Drydens claimform - old Student loan

[AndyOrch]

defence checked and edited

 

Andy

[ceeferace]

Thanks Andy

[ceeferace]

I haven't heard anything about this since sending my defence. Is there anything that I should be doing?

[dx100uk]

nope I would assume the claim is well stayed

as we guessed it would become.

[ceeferace]

I have checked MCOL and it just states 'your defence was received on 13/04/17' and nothing more, would it indicate here if it was stayed?

[dx100uk]

it doesn't

we've already told you this before i'm sure.....

 

 

dx

[ceeferace]

Ok thanks.

 

No, this is the first time that I have been in this position so haven't asked before

[ceeferace]

I received a letter from Drydens today saying that they have been advised by the client to contact the court to lift the stay - is this likely just a tactic? 

[Dorytime]

No, this will not be just a tactic, unfortunately.

 

I had a quick read of your original thread and you say that your last payment was just under the 6 year period, what Defence did you put in against the claim?

 

Dorytime

[ceeferace]

I asked for the related paper work and they couldn’t produce it. 

 

According to them, last payment was July 2011

[Dorytime]

What date did they institute proceedings?

[ceeferace]

March 2017 and stayed in March 2018

[dx100uk]

until/unless your received an n244 and check with the court ignore them.

 

 

[ceeferace]

Letter received today, what do you think?

 

Drydens letter.pdf

[dx100uk]

same as the last one really

and they're pulling out the old 'its matured' dodge again to try and confuse you further.

 

it is worthy to note that you weren't far off statute barred when they raised the 1st claim [and poss was sb'd then anyway] 

and it'll be well SB'd now had they not issued the claim to obviously halt the SB clock.

 

don't think the judge will be too pleased to read that in your witness statement should they be stupid enough to file an n244. now.

amongst your other points.

 

the fact they now think they have all the paperwork is somewhat immaterial now anyway...IMHO.

[ceeferace]

Shall I just wait then?

[dx100uk]

 

almost the same scenario 

[ceeferace]

Thanks, I did read this thread and it sounds similar and also sounds like I should expect to hear the the stay has been lifted at some point.

 

They have sent various bits of paperwork which I will go though, I know that the quality was queried when I shared this previously. There is also the potential SB issue.

 

I do now earn above the threshold, is it worth me contacting to discuss coming to an arrangement? 

[dx100uk]

you now earning above the threshold is immaterial 

the claim is what it is and was made long before the change above in your circumstances.

 

drydens are probably after free xmas drinks money for the staff party and have sent masses of the same letter out to see if anyone will wet themselves and and cough up like a mug.

 

dx

 

 

[dx100uk]

open

[ceeferace]

It's been a while!

 

I am home with COVID and this afternoon had a shock call from the courts!

 

It appears that there was a court case, the solicitor was appealing to lift the stay and strike out my defence, he said something about me not sending it to the claimant.

 

All of the information has gone to an old address so it is now adjourned and they will send to my current address for reschedule in 6 weeks time but the Judge said she expects it won't be needed as she has seen that they have now provided the documents that I requested. The solicitor mentioned costs. 

 

I am still in shock and there is nothing I can do now until I receive the paperwork. I didn't update the courts about the change in address as I assumed it was over. 

 

I am now worrying that I have missed notifying someone else. 

Edited September 30, 2021 by dx100uk
formatting/spacing only - no issue

[dx100uk]

On 22/11/2019 at 21:05, dx100uk said:

same as the last one really

and they're pulling out the old 'its matured' dodge again to try and confuse you further.

it is worthy to note that you weren't far off statute barred when they raised the 1st claim [and poss was sb'd then anyway] 

and it'll be well SB'd now had they not issued the claim to obviously halt the SB clock.

don't think the judge will be too pleased to read that in your witness statement should they be stupid enough to file an n244. now.

amongst your other points.

the fact they now think they have all the paperwork is somewhat immaterial now anyway...IMHO.

opps 

one of the very important things you should never do and thats move and not tell your debts owners of any debt you've last used or paid in 6yrs...don't forget your credit file too for others!!

now drydens do this to catch people out like this on purpose, you might well find the docs are mostly useless and cut n paste so dont give up hope.

it shocks me you allowed this to happen again on the same issue....

[ceeferace]

I have checked my credit file, there is nothing showing as it all very historic. 

 

Will update when I receive the papers. 

[dx100uk]

and what happened?

 

[dx100uk]

please update this thread.