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    • Good advice thanks very much. Are there any guidelines on how long they should take to send said transcript? I was quoted 28 days on an information request today...    I have just sent two secure messages to NW.   The first was to state that they did not follow my instructions from this morning when I cancelled the DD authority held with PayPal, as they allowed PP to reinstate this mere hours later. I gave them formal notice that PP have no authority to take DDs from my account and so I will seek reimbursement from NW should they allow any in the future.    The second was a formal request for them to re-credit my account for all DDs taken by PayPal in the given time period, in accordance with the DD mandate. Reason being that I did not give PayPal the authority nor instruction to take those payments by DD.    Will relay this to the manager tomorrow and ask for a transcript so I can complain to the FOS if this is not sorted by end of play. 
    • Its directions agreed between both parties how the claim will proceed in preparation for the hearing...Fast Track Directions are not set by the court as in small claims track.
    • Make sure to ask for the name of the person you are speaking to, as well as a full email transcript of the call. If they ask why,  tell them everything on the call is being copied to the FOS for a full official complaint. They usually shift pretty quick.
    • Was the claim dismissed or struck out ?  You keep referring to you " won " you got judgment ...a defendant cant get judgment ?   Andy
    • ericsbrother - thanks for response. Please see photos as requested + more ExternalSignage_EntranceSet_v0.1.compressed.pdf ExampleBayMarkingsSet_v0.1.compressed.pdf InternalSignage_v0.1.compressed.pdf PayMachine_v0.2.compressed.pdf
  • Our picks

    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
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      • 0 replies
LoopyLeigh

SLC to Erudio to Drysdensfairfax

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Hello.

 

I had students loans for years 1996 - 1999 with the student loan company [sLC] and was deferring every year after graduation because I was not earning enough.

 

Then Erudio took over the loans in 2014 and although they said that it would be the same as with the SLC they wanted more information from me that I was willing to give. I still completed their deferment forms but they were not accepted due to me not signing the actual form and leaving certain details out. I can't remember what it was I left off the form but I know it was something which was not included on the SLC form.

 

I re-sent the deferment form a number of times and it was always rejected and sent back. Subsequently I found myself in arrears.

 

This went on for over a year until unfortunately I was involved in a car accident and was deemed unfit for work.

 

I wrote to Erudio explained that I was now deemed unfit to work and sent them a copy of my Disability Living Allowance award. I was awarded lower rate for both care and mobility.

 

I heard nothing more from Erudio, the demanding letters stopped so I assumed, that my loans had now been cancelled.

 

Two weeks ago I received a letter from Erudio saying that Drysdensfairfax would now be dealing with my debt and I received a letter from them this week.

 

The letter claims I still owe over £7000 in student loans and that I have 30 days to make an offer of repayment.

 

I have since been re-assessed by the DWP for Personal Independence Payment [PIP] and been awarded the enhanced rate in both care and mobility.

 

Should my loans have been cancelled due to my disability and being unable to work?

 

I refer you to this:

 

Under The Education (Student Loans) Regulations 1998, lenders will cancel your liability to repay if you: Can show the lender you get a disability-related benefit and because of this disability you're permanently unfit for work.

 

Will this clause be invalid now it has been passed to a solicitor?

 

Do I now send a copy of my PIP award to Drysdensfairfax?

 

Thank you for reading. I appreciate any help.

 

Leigh x

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Ignore the solicitor . Erudio are just a DCA. Have a read of other similar threads to get an idea of what to do while you wait for more advice.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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you mean you have a pre action protocol letter before claim giving 30 days to reply with a response pack?

 

if so numerous PAP letter threads here in the last 10 days to read that tell you how to address this

  • Like 1

PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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An update.

 

I ignored the solicitor and wrote to Erudio,

who wrote back and told me that I needed to contact Drysdensfairfax as they were now dealing with my account.

 

I replied to the PAP letter.

Giving them all the info relating to my permanent disability and my recent PIP award.

 

They wrote back asking for proof

I sent them a copy of my award.

 

Now they are asking for copies of prescriptions,

medical appointment letters as proof of my current health situation.

 

I am feeling very uneasy about sending them personal/private information which is contained in those letters.

I thought that an enhanced PIP award would be proof enough of my health situation,

it was awarded by a government body after all.

 

Is there an argument I can use to refuse to send this information such as data protection etc ?

 

Please be gentle with me.

I am not very good with these sort of people which is why I come here for your advice.

 

LL

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no-one told you to write giving that information in the 1st place

why didn't you follow the advise in numerous threads here regarding how to reply to drydens PAP letter?

 

no you do not send it

none of their business

and

they couldn't careless.

 

dx

  • Like 1

PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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I did read through the many threads on this subject but I found it all so very confusing.

Especially on what you should or should not do.

Everyone's story was different and there was a lot of contradicting advice from just ignoring the letters from the solicitors to replying to the PAP letter...

You yourself indicated that you should reply to a PAP letter to prevent a default judgement being made against you.

 

I read that some people who took the advice not to reply have now been issued with county court judgement orders.

Not good at all!

 

I know it must be frustrating having to repeat yourself over and over again, however when people come here to ask for help they are usually scared, not clued up on the law, and have no idea what to do next. They certainly do not come here to be shouted at or made to feel even more stupid than they did already.

 

I wish everyone in the same boat GOOD LUCK.

 

LL

Edited by dx100uk
quote

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ideally you should have post here since October with what you were proposing to send.

 

we definitely don't mind repeating ourselves

if we did

we'd simply pop up a series of templates to follow and not bother with personally replying to each thread with a tailored response as each situation is slightly diff ...so a one template fits all never really ideally works.

 

the only stupid people here are erudio and drydens wanting to fleece people and make their lives a misery so they can have free money in their pocket to have a nice expenses paid xmas holiday on the mugs that blindly pay them..

 

leave them now to sweat on what they have..

there is an outside chance of a write off, but sadly we've seen that ploy before and lo and behold, the next month the same ex student got a threatening letter from another of the names ARROWS use [erudio are arrows DCA BTW}.

 

another thing to your advantage is when you refused to sign their forms, as yes they were very intrusive - and that you tried again and again..

that def will not go down too well.

 

 

just for your ref..but as you've already read around here ..you'll see we recommend using the [blank] SLC forms we have here in the stickies and sending those..

there is nothing to stop you sending backdated ones now if you wish..rather than the medical info..

 

that'll wind them up.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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