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Erudio refusing Deferment and saying that the debt has matured- help


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  • 8 months later...

Thanks Andy! 
 

Update on this thread. We ignored letters sent in Feb as kindly advised by DX. So we have recently received this letter from Drydens Fairfax Demanding payment of the loan by 29/10.

 

however all loans have been deferred each year.

 

Not sure what to do next. Any advice would be great fully received! Thanks so much!

 

Doc 10-22-2020 17-35-02.pdf

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Thats not a letter of claim as stated before...so safe to ignore

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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it will

and it will have a reply pack.

 

ignore everything unless you get a PAPLOC.

 

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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  • 2 weeks later...

so eventually a letter of claim

 

has he sent a deferement form off for this year

and did you ever get an SAR off to SLC as advised Earlier.??

 

as for the PAPLOC you have 

but depending upon the answer to my q's above 

we may revise better on a suitable reply, but you must reply in 30 days.

 

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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Hello. Yes we deferred this year and sent a copy of the doc deferment to erudio. Deferment was accepted by slc, didn’t request an SAR, must have overlooked that.

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get an sar running to SLC today

it's free and can only help you.

 

let's see if that data returns before your 30days PAPLOC reply deadline 

but eitherway

comeback if you get it

or close to the 30 days if you don't

and we'll knock up a reply to drydens based upon our std format linked above

 

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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  • 2 weeks later...

Hey there DX. Please can you help with the reply to Erudio? We haven’t had anything back from SLC yet and it’s getting close to the 30days, I’d like to get something sent off to them if poss. 
 

thanks so much for your help.

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no don't reply early not due till the 30th.

have a look around various here already even one today being done

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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Share on other sites
  • 2 months later...

Hello there!  an update and a further question for you please.. 

 

Letter was sent back to Drydens Fairfax within  the 30 days disputing the claim due to student loans deferring the loans each year.  

 

Received a letter from Drydens on 11/12 acknowledging the letter,  saying that the account had been put on a temporary hold whilst they contact their client with details of the query and that they will inform us as soon as a response is recieved from their client.

 

Then yesterday another letter of claim arrives, exactly the same as the one they sent in Nov, with no response to the letter we sent back to them in response to the previous letter of claim that they sent in Nov.   

 

Do we just need to send another response back as we sent in Nov?

 

What are they playing at?

 

SLC never replied to the SAR that we sent off in Nov either.

 

Thanks again for your help with this.

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Post up the reply you sent please to pdf

Give slc a ring and find out what happened to the sar

We need both before you reply to drydens again

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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  • 2 weeks later...

Take the second option and ask them to email them.

 

Andy

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 The National Consumer Service

 

If you want advice on your Topic please PM me a link to your thread

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Hi sorry, not helpful to this but have been reading your other threads. Have you ever had confirmation whether Erudio are allowed to take away your right to have loan wiped after 25 years even if they’ve terminated. Guy at CAB says they can’t but thought you might know. Sorry to bother you if you don’t. Any other advice to my thread welcome if you have a sec x

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already answered on your own thread TB.

 

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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Share on other sites
  • 2 months later...

This is really dragging out now and starting to cause ill health

 

So all the steps advised by the CAG have been followed

 

I sent the Template Letter with the £1 Postal Order and they have now sent a Court Letter out.

I'm just feeling so trapped by it I can only think about getting a credit card to pay them the £500 and stop them sending letters

 

 

DDFF_REDACTED.pdf

 

On 11/02/2021 at 15:55, RyanO said:

Hi sorry, not helpful to this but have been reading your other threads. Have you ever had confirmation whether Erudio are allowed to take away your right to have loan wiped after 25 years even if they’ve terminated. Guy at CAB says they can’t but thought you might know. Sorry to bother you if you don’t. Any other advice to my thread welcome if you have a sec x


I've no idea...I was under the impression Student Loans were cancelled when you got to 40.

I've just Sent my SLC my deferment letters once again and they seem to be Above Board...One would have thought that never ever having earned enough to go into the repayment threshold since getting my Loans in the 1990's that they would see a correlation and realise I'm never going to earn enough to start paying them back.

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So that's their second LOC ...first dated Oct 2020...and still not complied with any paperwork to support their intended litigation......I really cant understand whats stopping them issuing a claim ? :wink:

 

https://www.gov.uk/repaying-your-student-loan/when-your-student-loan-gets-written-off-or-cancelled

 

 

 

.

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 The National Consumer Service

 

If you want advice on your Topic please PM me a link to your thread

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On 02/11/2020 at 12:30, dx100uk said:

so eventually a letter of claim

 

has he sent a deferement form off for this year

and did you ever get an SAR off to SLC as advised Earlier.??

 

as for the PAPLOC you have 

but depending upon the answer to my q's above 

we may revise better on a suitable reply, but you must reply in 30 days.

 

dx

 

 

 

so repeat what you did here^^

 

reason: previous failure to supply enforceable paperwork under a CCa request.

 

as for write off 

your partner will need to be 50yrs old or it's 25yrs since end of course/last term. which ever the shorter.

 

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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