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    • It's a very simple answer It,s a tradition me and a few of my long term mates go the pub to watch the football all day on boxing day and on new years day and our number one rule is we don't take our phones.! We don't see each other as we used to with us all leading different lives and having families but that is the one thing we have all promised too do until the day we die.! So it was quite normal for me not to have my phone and no need to worry about it because xmas and new year is the inky time of the year that I get a complete break from work zero emails zero phone calls.Its the only time in a whole year I completely have a break.
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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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jody84

CRS Debt Collectors/ Xercise4Less

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Hi guys,

I've had an ongoing battle with CRS over the last 3-4 years about an unpaid debt relating to Xercise4less.

 

After chasing me for £234.49 it transpires that i cancelled my direct debit too soon and didnt pay the last month of my contract. (Bearing in mind i only found this out the other day).

 

At first i ignored any correspondence from CRS as everyone on the forums said they were [problem]mers, but now after all this time i am fed up of being harassed and just want this over with.

 

As the forums suggested, i asked them if they owned the debt and if it was a credit agreement. They have replied and said "We have not bought the debt but merely act as an agent on behalf of our client. This matter does not relate to a credit agreement."

 

I'm happy to pay the £9.99, but dont feel i should pay anything else

. Does anyone have any suggestions on what i should do next and how liable i am for the debt?

 

Thoughts welcome, thanks

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Hi Jody and Welcome to CAG

 

I have moved your post away from a 9 year old thread to your own thread...please continue to post here.

 

Regards

 

Andy


We could do with some help from you.

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Hi guys,

I've had an ongoing battle with CRS over the last 3-4 years about an unpaid debt relating to Xercise4Less. After chasing me for £234.49 it transpires that i cancelled my direct debit too soon and didnt pay the last month of my contract. (Bearing in mind i only found this out the other day). At first i ignored any correspondence from CRS as everyone on the forums said they were [problematic], but now after all this time i am fed up of being harassed and just want this over with.

 

As the forums suggested, i asked them if they owned the debt and if it was a credit agreement. They have replied and said "We have not bought the debt but merely act as an agent on behalf of our client. This matter does not relate to a credit agreement."

 

I'm happy to pay the £9.99, but dont feel i should pay anything else. Does anyone have any suggestions on what i should do next and how liable i am for the debt?

 

Thoughts welcome, thanks

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Did you inform the gym you were cancelling?

 

Just remember a dca is not a BAILIFF

And have ZERO legal powers.

 

Gyms have not done court since 2012 when they lost badly

And they dont sell debts either


..

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Thanks very much for your reply.

 

Yes I gave them 30 days notice I was cancelling, as per their requirements.

If they have no legal power and don’t own the debt how do I end this battle for once and for all?

Edited by dx100uk
quote spacing

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Hi Jody,

 

If Harlands thought you really owed the alleged debt, they'd have taken court action long ago. However, they don't do courts !!

 

1. When was the last time they contacted you with a demand, and by what means?

 

2. Was is CRS ?

 

3. How did you reply to them and by what means ?

 

I suspect they continue to harass you because you're staying in contact with them. In most cases here, we advise that folk ignore them after initially setting out your position.

 

There's no credit agreement involved, nor has anyone bought the alleged debt. Read other threads here for information and inspiration.

 

:-)


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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

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drop the letter tennis.

block and bounce their emails...sorted...…..


..

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