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    • Hi all my wife has today been accused of shoplifting a few weeks ago at John Lewis. Police called today and said an allegation has been made after viewing cctv. My wife has been invited in for interview to clear things up (there words) I asked how her how they knew how to find her, she admitted she had been caught before in Waitrose in 2018 and banned from them and JL. I can’t begin to tell you how shocked I am but I need to support her and don’t know where to turn. She has confessed to me that she has stolen the odd thing over the past year from JL and is now worried that they will look back and charge here for stealing all the items. The police say the allegation is for two small items of clothing. My wife of 40yrs  I know like the back of my hand has been through hell and has lost all her family over the past few years, she has serious health issues and is on strong medication. I can only put this down to this being a big factor. I really need to know what to do to help her, if she admits,  will it be dealt with on the spot or will courts be involved. Should she seek immediate legal advice or see the solicitor at the police station(that’s what they have offered) Any advice would be greatly appreciated, thanks for reading and I hope it’s easy to understand 
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    • 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.  

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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Erudio/SLC


dave024

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Student loan from 1992- 1994.

 

1) For years I had been sending them deferment letters and proof of income.

Then it all stopped.

Next letter was from a Debt agency.

 

I replied mentioning ( and as far as I know it still holds good) that as I was considered a mature student at commencement of loan ,

I was now over the upper limit and loan should have been cancelled.

That was over ( certainly more than six years ago, possibly 10) .

 

2) Next came letters from Erudio and later Capquest.

I've not replied as I consider loan is over time limit and any action statute barred, and a reply may prejudice any statute barred rights I have.

Another reason for not requesting a copy of original contract from Erudio.

 

3) Now that Erudio have taken over pursuit of these loans, are these still considered as Student loans ,or monies owed to Erudio.

In short have Erudio bought out these loans, and if so, are Student loans bought by Erudio, not covered by the bar when invoking the protection of IVA.

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If there has ever been a period of 6 years without payment or deferment, then the debt is statute barred and always statute barred. Replying telling them it is statute barred does not affect the debt in any way.

These old student loan debts were sold, but the terms/conditions applicable still apply. After a debt is sold, there is no change to terms, just a different debt owner.

Tell them the debt is SB in writing and you won't enter into further communications.

if they believe otherwise they can take you to court.

If you ever receive a court claim which is unlikely, then you defend on basis of debt being SB and it would be up to them to prove otherwise.

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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protection of IVA?

sad you entertained them

pers id be ignoring them

you've written to them from your current address

so no back door CCJ's.

ignore them

they are simply trying to fleece you.

erudio/capquest/arrows all the same lot

stuff all legal powers to do anything.

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 ,guys.

Nice to see that the T & C that aplied on the SLC debt still apply

- namely debt was considered null & void somewhere about my 60/65 birthday , from what I remember in the contract.

If pushed, I'll ask them for a copy of that contract first as it's a double edged sword for them .

Find it and that condition applies,

so it's go forth and multiply

- can't find contract and then it's stop harrassing me .

Then there's Statute barred .

At moment , I;ll just keep on ignoring them .

Bit about IVA ,was just conjecture .

I'd no intention of looking at one, apart from looking out of curiosity at what was covered.

And student loans were in the excepted category.

But if now owed to the likes of Erudio

- ( as they say ) ,does that take them into the non exempt category ?

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  • 6 years later...

Today , after a lot of years i received a letter from this lot.

Very friendly, "Were writing to remind you that we haven't had any contact from you in a while".

 The velvet fist, followed by  a veiled threat to get their preferred debt collectors involved.

Yep dead right. In 1992/3 I took out a Student load under duress from DHSS.

up to 2000 I had successfully gotten deferment on low income.

But rather than sign on as unemployed ,I decided to be self employed.

I applied and they asked for all sorts of documents.

I obliged and then correspondence ceased from them, circa 2001.

To date I have had no correspondence from Student Loans.

I was made redundant in 2009 and reached 65 in 2012 , at which age the loan should have been cancelled.

Now , today, 12 years on retirement and 11 ( at least years after last contact) I get a letter with veiled threats.

Do I , as I smell a scam

a) ignore it and hope that Erudio will think that this phishing attempt has failed or

b) respond with a statute barred letter or

c) remind them of legal terms that loan should be cancelled 12 years ago or

d) combination of b) +c)

 

 

 

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old and new threads merged

i though you were going to send the SB letter in 2017?

dx

 

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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So you have had periods of 6 years or more without payment or acknowledgement of the debt ? If so, the debt is statute barred, so that would be your defence.

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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Thanks ,DX, I'd forgpotton about that letter and can't remember sending a SB letter. I must have left it and they did not chase.

Unclebulgia. Yes several periods of no contact.

Think its time for the SB letter

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and it will be also now written off under age related criteria anyway.

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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DX, worth mentioning? I take it that you refer to after ,65 loan is written off clause.

I thought that after the problems I had at deferment (/no proof of income satisfied them, and I could not afford an accountant) after they stopped pestering that they had decided that the age related clause  had kicked in.

As I said, its time to hit back with SB letter.

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no they never allow the age related get out, erudio are masters at faking supposed 'arrears' fees which were levied before said date and thus null its write off.

1000's of threads here on them!!

scammers untied that lot.

i can almost guarantee they'll state it's not SB'd too re above, but just ignore them once sent.

dx

 

 

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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Posted (edited)

Thanks, I've had my fill of this lot. What makes me so mad is that I had to take out student loan to get any DHSS help.

And then when I tried to help myself and family they presented obstacles.

Might be worth passing story to RIP off Britain?

Edited by dave024
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wont go near it with a barge pole as its ex gov't debt.

 

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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Sorry to ask, but I know I had SB template on PC, but can't find it. Also any search for template\SB letter takes me back here. 

Any help to get to SB letter would be appreciated.

I know I used it on a car HP co that wouldn't honor my FCS refund and after 6 years came threatening ( or rather their DCA).

Worked a treat.

Thanks in advance

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click the link.

dx

 

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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next time dont waste money on them

in law you only have to prove you sent a letter.

use a 2nd class stamp and get free proof of posting from any PO counter

dx

 

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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