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    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
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    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the 02/01/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
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SLC/Erudio 1993 loan - now Dryden PAP letter


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Why delay matters ? Most organisations like this receive hundreds of post items each day. Get all of the information sent off and let them deal with it.

We could do with some help from you.

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Just to clarify , with the PAP reply form, am I only disputing the debt at this point- and not requesting more documents?

 

Box D ticked and sending copies of SLC deferment forms. (Don't sign the form)

 

Just a couple of further queries

- should I redact the 4 individual loan refs on the copies of the deferment forms (or leave them on) and/or just use the one customer ref no that Erudio use for all the loans?

Should the deferment form signatures be redacted?

 

Just thinking whilst looking through documents-

How come its okay for Erudio to somehow "remedy" the account just before threatening you with court action by providing statements that they should have been providing annually?

Backdated.

 

So...

Couldn't we all send "Remedy of account letters" and send all the backdated SLC deferment forms?

Just playing by the same rules as them.

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id just send the deferment forms..sigs are immaterial if you send or not.

 

no harm in sending them a sep free sar to get everything one for each of you.

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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Always the owner

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, cool, have done SAR and that is ready to go.

 

Have filled in the PAP reply form as follows:

Box D ( ticked ) I dispute the debt: pls see attached sheet : There have been ongoing communications with Erudio regarding this matter, with numerous complaints, since they took over the administration of the loans from the Student Loans Company.

I have been eligible for deferral to re-pay the sums borrowed for the whole period that Erudio have handled the matter.

Copies of the relevant deferral forms for each year are enclosed.

Erudio have previously denied receiving relevant communications from me with regard to this matter.

I dispute the debt because the conditions required for its enforceability (ie income threshold) have not been met.

 

Box H (ticked)

I have enclosed copies of deferal forms

 

Box I (ticked)

I have requested by way of an SAR all the information that Erudio hold regarding my case.

 

name and date printed at bottom and not signed.

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job 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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Thank you so very much for all your input, I will get them in the post today.

I'm sure I'll be back here once I get a response.

It has been massively helpful to have someone to guide me through- thank-you, thank-you, thank-you!!!

I have also got all my papers in order now, just in case something kicks off.

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funnily enough I don't think you will hear anything.

 

theres another one here today

looks like it a mass-mailing to probably everyone that's not got a current deferment and they only pick on those that have not deferred and whom are not TOLD IN WRITING erudio their correct present address if they've moved .

 

ie what I thought in the first place a mass exercise to get 1000's of backdoor CCJ's

which seem to be the only ones they ever go for

 

everyone else will be forgotten about for a few years as they are too difficult to deal with.

 

its worthy to note there are NO CCJ's or court cases whereby they have the correct details and have run this to court. none!

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

All gone off now, just wondering, going forward, which course of action to take:

Nothing - as I had been doing for last two years - in the hope it gets to 6 yrs ; or send off SLC deferment forms at the correct time - (next ones due in November, then April) and thereby acknowledging the debt every year.

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Do you have copies of original terms ?

 

Is there a write off, after x number of years or when you reach a certain age ?

 

If you don't defer, then they expect you to enter into repayment. If you don't, then there is a risk of a CCJ down the line at some point. It would be a gamble hoping 6 years would pass without them getting a CCJ,

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

 

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

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25yrs from its date or you reach 50.

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

That's the thing, the wording is as follows:

 

"The present regulations provide for

(a) cancellation of repayments, if you die and

(b) cancellation of repayments ( so long as you are not in breach of any obligation to us) if

(i) you are aged under forty when you last enter an agreement to borrow from from us and you attain age fifty or all or part of your last borrowing from us has been outstanding for at least 25 years or

(ii) you are aged at least forty when you last enter an agreement to borrow from us and you attain age sixty."

 

The problem being that Erudio say that we are in breach of obligations. (They have the discretion under the contract to say we are not.)

 

There is discretion for "Time and indulgence".

 

Which is what we requested in Sept 2015, and Erudio effectively ignored us.

 

The wording is as follows:

" Without any obligation on us to do so, we shall be entitled to grant time or other indulgence for the payment or satisfaction of any of your liabilities without affecting any of our rights or operating as a waiver of such rights in whole or in part. We will do this only if we are satisfied that this represents a more effective means of recovering the sums due under this Agreement than instituting legal proceedings would be.

 

The problem as I see it, is that this will never go away.

Erudio don't seem to like the time and indulgence option as often this would mean accepting late deferment forms or SLC deferment forms:

and then they would not get any money.

 

Michael Chessum, the ULU (University of London Union) president, said privatisation of the loan book stemmed from

"a poisonous ideological motive to make students consumers, with a lifetime of increasingly malign debt".

And that is what will happen.

I believe it will take court cases to sort this out.

 

In the meantime, how to deal with them...

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but you didn't sign up to the adapted erudio T&C

you signed up to the SLC ones.

 

pers I wouldn't bother worrying

these mass PAP letters have obv been sent out to test the waters and see how many mugs blindly start paying.

 

in most cases I think deferment or not, makes little odds here.

 

yes the guy is correct

it WILL take a court case to sort these loans out

as all the fleecers are doing at the moment is lining easy pray up.

 

some day they will have to chance court with an real debtor.

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...

I received a letter last week stating the account had been transferred to Drydens.

 

I submitted a CCA request nearly 5 years ago by recorded delivery, which was never fulfilled, I later reminded them of it in a following letter, and I haven't spoken to them since.

 

Could I bat away a CCJ claim on those grounds?

 

Coincidentally, it has been almost 5 years since Erudo bought the loans and lots of people questioned the new terms.

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see what the PAP brings

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

I received a letter last week stating the account had been transferred to Drydens.

 

I submitted a CCA request nearly 5 years ago by recorded delivery, which was never fulfilled, I later reminded them of it in a following letter, and I haven't spoken to them since.

 

Could I bat away a CCJ claim on those grounds?

 

Coincidentally, it has been almost 5 years since Erudo bought the loans and lots of people questioned the new terms.

 

pencil go update your own existing thread please

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?483541-Erudio-pass-claim-to-Capquest-how-to-tackle

 

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

  • 1 month later...

Time for an update: apologies for radio silence, I had a hip replacement and was trying to forget about Erudio for a few weeks!

 

My husband received a letter from DFF saying that they had received the PAP reply and the account was currently on hold.

 

He has since received a notice of arrears letter for each year of loans (from Erudio).

 

Today a letter came regarding the SAR

- which made me realise I hadn't been keeping an eye on the time frame for that one.

 

It is an "identification and verification request".

This strikes me as odd, as they are asking for the following :

Full name

1st Line of address

Postcode

date of birth

Address provided to SLC

Contact phone numbers: Home and Mobile

 

The letter then says that the "easiest and most efficient way of supplying your information... is... on the number provided..."

 

It states that "Its important to note that if we have not been able to satisfy our identification and verification to validate your request within 14 days from the date of this letter ..." (which is the 20th NOV) "then we would not be able to proceed further at this point".

 

I am wondering whether this needs to be provided, and are they just stalling, and do I just need to complain straight away to the Information commissioner.

Edited by dx100uk
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Worth having a read of the guidance re Right of Access from the ICO website (For organisations/Guide to the General Data Protection Regulation/Individual Rights). I can't post the link because I haven't posted enough times on this forum yet.

 

Check this section of the guidance out:

 

"Can we extend the time for a response?

You can extend the time to respond by a further two months if the request is complex or you have received a number of requests from the individual. You must let the individual know within one month of receiving their request and explain why the extension is necessary.

However, it is the ICO's view that it is unlikely to be reasonable to extend the time limit if:

it is manifestly unfounded or excessive;

an exemption applies; or

you are requesting proof of identity before considering the request.

 

Can we ask an individual for ID?

If you have doubts about the identity of the person making the request you can ask for more information. However, it is important that you only request information that is necessary to confirm who they are. The key to this is proportionality.

You need to let the individual know as soon as possible that you need more information from them to confirm their identity before responding to their request. The period for responding to the request begins when you receive the additional information."

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are erudio not aware of the address you are at now as you'd moved before sending the sar?

id just send them a CTAX copy as advised in the SAR linked thread.

 

don't fall for their rubbish either NEVER EVER ring a DCA.

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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Thank-you both for your responses. We've been at the same address for the last 25 years.I'll check the original agreements and see what's on them.

I was thinking that it was a bit sneaky saying to ring them.

I'll check out the ICO guidance, and see where I go and let you know.

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Urm..then why are they stalling..something smells here

Is this on both yours/hubbys or one

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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This is my husband's one - I haven't sent one off for me yet - I got a bit side tracked by my hip operation.

I thought it a wee bit odd too.

I have just been on the ICO website and I clicked on the "make a complaint " link. You answer various questions, about the time frame etc, and then the answer came up " Repeat your request to the organisation".

I have then been trying to navigate the site to see where I can actually instigate a notification of a breach, and try another route to start a complaint but seem to be having a few problems with their site at the moment- it doesn't seem to want to load, and I don't think its problems my end, as everything else is working. I'll try again in a little bit.

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I am just drafting a complaint to Erudio ... Deja vu!!

This seems to be what the ICO requires before they will look at a complaint.

Am going to give the info they requested - name, address and postcode... they've got it already!!!

And will also enclose copy of the SAR again.

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