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    • St Greta would love a canal with solar powered narrowboats.........
    • 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.
    • Hi Andy,   We were never notified with regards to this holiday no communication after they went into Admin. last week was the first time we heard anything at all and it was from RC themselves. I called them last night and explained everything and it looks like everything going to be okay we will only  lose the deposit which is a small price to pay I guess compared to £2000 I will update if I hear any more.   thank you Hb and Andy both for your  help   regards otb
    • yep, the UK is a bumpy twisty crowded ISLAND whos layout and transport infrastructure is best suited to Sea and Road. The rivers are generally to narrow and shallow, let alone steep, and the flat plains are simply to small and crowded to house a big rail system like Europe, China, India, Africa, Australia ............   So its smaller lots via road or ship em to the nearest port   Our railways are narrow and a bit cramped because they NEED to be. Canals were our infrastructure   When putting in just a couple hundred miles of track disrupts half the country for a decade or more, and costs a not so small nations national debt - its the wrong choice.
    • Yes HS2 is  a waste of space as a half hearted  implementation.
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Hi

In brief i had contractor to fit patio doors and a complete roof on our new extension 4 months ago,

only now has he come back to finish the roof after many cancelled visits by him,

 

The work is so bad that building control officer wont sign the roof off.

i have contacted the roofer on many occasions and he keeps telling me its my fault because i always moan about his work and that he isn't a roofer (he has his own building business) .

 

unfortunately i paid in full as he was a friend of a friend,

I have a rubber roof which is peeling up because he used silicone to stick it down on the edges and i can see daylight from the inside through gaps plus the internal ceiling isnt level

 

Where do i go from here as any advise would be rattly appreciated

Thanks

Ian

Edited by Ianimp
information missing

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Is he part of a limited liability company or is he self-employed/partnership?

 

Does he have any assets? Do you know where he lives and if he owns his home? These are all going to be extremely important questions because if you have to take action against him, you will easily get a judgement – but you may not be able to enforce it in which case the whole exercise is useless.

 

I hope lots of people who read this thread will realise the dangers of paying builders in advance. I hope they will also appreciate the dangers of employing "a friend of a friend" because that is absolutely no guarantee, it actually produces a moral pressure – for instance, to pay in advance – and of course it can destroy friendships.

 

You need to find out all about him and what assets he's got. As a part of an established business? In other words, is he worth suing?

 

Apart from that you need to prepare a good file. You need to start going back in your mind and logging all of the history of the work – including the cancelled visits.

 

You need to take lots of photographs and you will probably have to get a good quality independent roofer to come along and to assess the work and the cost of repairs.

 

I suppose there is one thing that will help you and that is that I expect you have probably paid in cash in hand. Frankly I would have no hesitation in letting him know thatyou will be reporting him to the tax authorities who will make a complete investigation of him including the other work he has done for other people "off the books".

 

However, find out all about him first. Prepare your file. Then start getting ready to issue threats but don't move until you are fully prepared.


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Thanks for the quick reply

He is a limited company with 1 other employee, i have his home / business address , he has his own home and has a van kitted with tools and equipment, he is Fensa Registered on his web site with a 10 year guarantee on all work, i paid by bank transfer and no cash, i have a lot of text messages back and forth and i have a lot of photots

Thanks

Ian

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Was the payment made to a company account or to his own personal account? Have you got receipts?

 

If it is a limited company and you have been dealing with them, then afraid that his own personal assets are probably out of reach of any court action that you might bring. Have you investigated the guarantee? Who is it provided by? I would be making very gentle enquiries all around to understand what the enforcement possibilities might be before making any direct approach.

 

However, you might be in a position where you will need to take legal action. I would set about immediately getting a quote for making good the work to the proper standard.


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Payment was to his personal account i only got bank statements

the guarantee is a company guarantee , i have tried to get another roofer to quote but all are very reluctant to take over another persons work

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How much did you pay him?


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£3500 for the doors and £3000 for the roof

 

Thanks

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