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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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Hi All,

 

Following on from another thread I have on the forum, I have requested the CCA for an AA loan I took out in 2009.

 

Since 2013 when I got into some financial difficulties I have had the interest frozen and paying less than the monthly agreed amount, obviously this is reflected on my credit score. This is now with Wescot who are still collecting.

 

I was initially looking at paying off my remaining debts, but advised to get the CCA for each before doing anything else.

 

So seeking advice of what to do with this one now please. Hopefully it is readable in the format attached.

 

Thanks for any advice given.

AA CCA - Wescot (1).pdf

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who are wetcloths client


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Ah, I think Lloyds Bank plc looking back through. So maybe wrong thread for this one?

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well no as they are all intermingled now

esp as it was 2009 sign up

 

wetclotch must state their client on their letters


..

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Yep, definitely Lloyds Bank plc - just found the letter.

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well when tsb/Lloyds split then regrouped and split again some of the old HBOS belonged originally to Lloyds under the HBOS badge

but not to worry.

 

so there appears to be some T&C's missing as there should be sheets of them

but what is there is correct and i'd say enforceable

 

and as its with the OC you wont get much discount

 

have you got all the statements ?

 

 

and a this is still owned by the original creditor as wetcloths cont buy debts then i'd


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