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    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
    • In anticipation of lodging my court claim next Weds 1 May (14 days after advising P2G that was my deadline for them to settle my claim) I have completed my first draft POC as below: Claim Claim number: xxxxx Reference: P2G MAY 2024   Claimant xxxxx   Defendant Parcel2Go 1A Parklands Lostock Bolton BL6 4SD  Particulars of Claim The defendant has failed to arrange for the safe delivery of the claimant's parcel containing a 8 secondhand golf clubs (valued at £265) that was sent to a UK address using their delivery service (P2G Reference xxxxx). The defendant contracted Evri to deliver the parcel (Evri Reference xxxxx) and refuses to reimburse the claimant on the grounds that the claimant did not purchase their secondary insurance contract. The defendant seeks to exclude their liability in breach of section 57 Consumer Rights Act. The secondary insurance contract is in breach of section 72. The claimant seeks reimbursement of £265, plus P2G fees of £9.10, plus postage costs for two first class letters to P2G of £2.70, plus court fees, plus interest. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from xxxxx to xxxxxx on £276.80 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of £xxxx   Details of claim Amount claimed £276.80 I look forward to your thoughts and comments guys! As ever, many thanks - G59    
    • Hmm, that's strange how they got my email then.  I assume the below is ok to send to DCBL, Nicky?  Hello, I am writing regarding our ongoing dispute and the upcoming court claim reference xxxxxxxx. To ensure fairness and transparency in our communications leading up to the court hearing, I request that you use postal mail exclusively for all further correspondence related to this claim. Please refrain from sending any communication or documents via email. Thank you for your understanding and cooperation. If you have any questions or need clarification, please feel free to contact me via postal mail at the address provided above. Yours sincerely, xxxx
    • In the SAR, I received the original application, lots of computer print outs, yearly statements from 2013 and the new emails regarding my complaint. They sent me a £50 cheque after I chased them for the SAR after the 30 days. They said they was waiting for me to respond to an email (which I never received) before sending the SAR
    • classic P2G. I'm sure dianne and Lesley will pop an email to you at some point.
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Erudio starting to chase on pre 1998 Mortgage style Student Loan


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Hello you good people! Please advise, as I've read all the relevant threads but none end with a definitive answer or resolution.

 

I deferred my Student Loans from 93,93,95 each May until 2013 when due to a move, I forgot. I phoned SLC around late 2014 to be told the loans were now with Erudio and to phone them.

 

Having read all the hoo-haa surrounding Erudio, I didn't phone. Nothing further happened.

 

Fast forward to March 2017 and I noticed a hard search on my credit file from Erudio. Nothing further happened.

 

Since last month I have started getting multiple phone calls from Erudio. No message is ever left, and I have blocked each number identified as coming from their stable. As I am on the voters' roll, I can safely assume they have my current address should they decide to write.

 

Could anyone please advise on what my options are?

 

I don't want them getting a backdoor CCJ, but the account must be in 'arrears' since around June 2013. I am not in a position to pay, nor do I earn over the threshold requiring me to do so.

 

As far as I can see, having read the other threads, my move should be to wait until they send a begging letter, then I send them a request for my original CCA?

 

If/When they do what should I do then?

 

By my calculations the first 93 loan should reach the '25 years' write-off point this year, however as I'm currently in arrears I don't think it applies?

 

As my last deferment ran out May 2013 do you think I can just wait another 12 months, 'head-in-the-sand' stylee, until the debt becomes statute barred?

 

I'd just like to know my options, and the dirty tactics I can expect from Erudio now the beast has woken and acquired me!!

 

Any advice gratefully received. Thanks for your time.

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If you have not moved address they cant get a back door CCJ and further they cant instigate litigation without going through the new Pre Action Protocol.

 

Wait and see if they actually put pen to paper..ignore phone calls.

 

 

Andy

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Okay, thanks for reply Andy. I have moved address though since I last deferred in 2013, so the last known address SLC would've had for me is different to know.

 

However, due to the search Erudio made last year that I can see on my Credit Report with Clearscore, I can prove that Erudio will have had my current voters' roll address should they have wanted to write me.

 

So, I could defend a backdoor CCJ on that basis? Is my thinking correct on that? Thanks.

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Well yes you could...but it would be easier if you have proof you informed them of COA...set a side fees are now £255.

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?481827-The-Pre-Action-Protocol-for-Debt-Claims-is-made-by-the-Master-of-the-Rolls-as-Head-of-Civil-Justice.-1st-Oct-2017

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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Hmmmm. So do you suggest I write to Erudio and tell them my new address? Wouldn't this be acknowledging the debt, thus resetting the SB'd clock, as well as massively kicking the hornet's nest to let them know they've got a 'live one'?

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Why not write to slc doesnt ack the debt no

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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Okay will do, but as I said, I are you sure that in doing so I won't initiate an escalation of chasing by Erudio through my contact with SLC?

 

Also, as SLC have clearly sold the debt on and, my understanding is, they are no longer the original creditor, (IE/ Erudio aren't acting as Debt Collectors, but now actually OWN the debt),

 

won't SLC just wash their hands as they did when I originally phoned them in 2014 to request a deferment form?

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Simply inform slc by letter of your new address

You are going to get letters 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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You will cover your backside

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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