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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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Child Support chasing more money due to their mistake !

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Hi guys,


Story goes,


Back in December 2016 I called up the body which were dealing with the transaction move from CSA to the the 'Child Maintenance Service' questions, what they told me then led me to call the CSA


From 21 Oct 2015 I was officially out of the UK and not contributing to the Tax system as I was now working in Denmark. I was still paying the same assessed money as I was told to until I called up about the above proceeding move between the 2 companies. The agent from the CSA told me because I was now working out of the UK and getting paid from Guernsey there would be a NIL assessment because they could not assess what payments I should making. So in theory I was still paying their calculation for around 14 months, which I didn't need to do, but this doesn't bother me, I was still contributing to my child and taking the responsible thing to do.


Now during all these years I have always, when calling CSA, asked them to clearly check and confirm what I was paying was correct and everything was up to date, I never missed one payment and always kept to the agreed standing order for all the years. I also received a few statements of what I had paid and my future payments dates. There was a time previous that they did an assessment on me as I returned back into the UK a good few years ago and I had arrears to pay off which I did at £410 and then once they were paid off I then started to pay £310. This was all calculated out for me and I have the documents in my folder of all the breakdowns and payment structure


When I called up in December she told me that as of December I would not have to pay anything due to the Nil assessment (working in DK) but I told her I would still like to keep paying, which I am doing straight into her account, the mother agreed and sent her bank details to the CSA which were then fwd onto me, payments are still going smooth.


(I also have a letter from the Child Support which stating I am due £0.00 from December)


Until yesterday, I came home to a letter from the CSA demanding over £1000, they state in the letter (attached) "we transferred the money to the Secretary of State, rather than the parent with care"


Has anyone else experienced this and due to their blunder (I presume), they don't even send a break down of where this money is due from dates etc, it's like someone coming to my front door and saying, "Sorry buy you're due me £1000, pay up now!"


Please can anyone help? I'm thinking of writing a letter back explaining all the conversations I had with previous agents asking for a confirmation of balance and the fact I have have it in B&W I was due £0 from December, how can they now go back? I am also thinking of visiting my Solicitor regarding this, just mad that this should have all been taken care of


CSA just makes my head boil !! :mad2:


Edited by somethingelseplease

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Hi - Just to give you a bit of background, I fell into dispute with the CSA (latterly CMEC) virtually from the off. My dispute has been running for 8 long years during which time the agency have served a deduction of earnings order, taken me to the magistrates Court 4 times, won a liability order from which the Agency began debt recovery in full which also included action to repossess my home. The agency then fought my appeal and lost, then fought the tribunal itself. In March 2013, the Agency lost the tribunal but by that time I had incurred £15,000 in legal fees.


I went back to the Agency to ask that I be returned to the financial position I would have been in had it not been for the Agency's unlawful actions. In recognition of their admitted maladministration, the Agency offered £200 which included my legal fees. I have since raised an MP's complaint that led to the case being taken up by the Parliamentary Health Service Ombudsman (PHSO). During 3 failed investigations I have incurred a further £35,000 and in that time I have acquired a subject access request (SAR) which evidenced that back in 2012, ahead of the 4th and final Magistrates hearing, the Agency knew their actions were unlawful, yet continued to pursue a debt from me that was never due. I have begun a blog which details my journey and I want this blog to change social policy and afford you, and others like you, the protection you deserve from a gov't dept that is dishonest and completely devoid of oversight and governance. I am unable to post the link until I have 10 post counts

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Hi -Rather than consulting your solicitor at this stage and thereby incurring legal fees, I suggest you reply to the CMS explaining that you are at a loss to understand the claim that there are any outstanding arrears. Tell them about the various times they have confirmed to you that you were up to date and send copies of all letters from them confirming this including the most recent. If they don't reply to you or you don't agree with their reply, it might be worth contacting your local MP and asking for his or her intervention. In the past, I have worked in both solicitors' offices and a MP's constituency office and I know from that experience that a MP's letter is likely to be far the more effective way of sorting out problems.

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Hi Brainfogged - thanks for your reply


My MP was the then minister for justice Rt Hon Simon Hughes. The CSA wrote to him two days before my 1st magistrates hearing to advise that the Magistrate had granted the liability order which therefore confirmed that the debt was due. In point of fact, when the hearing did take place, the hearing was adjourned. The point I am making is that it makes little odds whether you are a solicitor or a front bench serving minister, the CSA are a law unto themselves. My complaint is a watershed as it evidences that the CSA do act in bad faith and the appeal bodies that are supposed to hold them to account, tacitly turn a blind eye

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