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    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other!
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    • Regarding a driver, that HAS paid for parking but input an incorrect Vehicle Registration Number.   This is an easy mistake to make, especially if a driver has access to more than one vehicle. First of all, upon receiving an NTK/PCN it is important to check that the Notice fully complies with PoFA 2012 Schedule 4 before deciding how to respond of course. The general advice is NOT to appeal to the Private Parking Company as, for example, you may identify yourself as driver and in certain circumstances that could harm your defence at a later stage. However, after following a recent thread on this subject, I have come to the conclusion that, in the case of inputting an incorrect Vehicle Registration Number, which is covered by “de minimis” it may actually HARM your defence at a later stage if you have not appealed to the PPC at the first appeal stage and explained that you DID pay for parking and CAN provide proof of parking, it was just that an incorrect VRN was input in error. Now, we all know that the BPA Code of Practice are guidelines from one bunch of charlatans for another bunch of charlatans to follow, but my thoughts are that there could be problems in court if a judge decides that a motorist has not followed these guidelines and has not made an appeal at the first appeal stage, therefore attempting to resolve the situation before it reaches court. From BPA Code of Practice: Section 17:  Keying Errors B) Major Keying Errors Examples of a major keying error could include: • Motorist entered their spouse’s car registration • Motorist entered something completely unrelated to their registration • Motorist made multiple keying errors (beyond one character being entered incorrectly) • Motorist has only entered a small part of their VRM, for example the first three digits In these instances we would expect that such errors are dealt with appropriately at the first appeal stage, especially if it can be proven that the motorist has paid for the parking event or that the motorist attempted to enter their VRM or were a legitimate user of the car park (eg a hospital patient or a patron of a restaurant). It is appreciated that in issuing a PCN in these instances, the operator will have incurred charges including but not limited to the DVLA fee and other processing costs therefore we believe that it is reasonable to seek to recover some of these costs by making a modest charge to the motorist of no more than £20 for a 14-day period from when the keying error was identified before reverting to the charge amount at the point of appeal. Now, we know that the "modest charge" is unenforceable in law, however, it would be up to the individual if they wanted to pay and make the problem go away or in fact if they wanted to contest the issue in court. If the motorist DOES appeal to the PPC explaining the error and the PPC rejects the appeal and the appeal fails, the motorist can use that in his favour at court.   Defence: "I entered the wrong VRN by mistake Judge, I explained this and I also submitted proof of payment for the relevant parking period in my appeal but the PPC wouldn't accept that"   If the motorist DOES NOT appeal to the PPC in the first instance the judge may well use that as a reason to dismiss the case in the claimant's favour because they may decide that they had the opportunity to resolve the matter at a much earlier stage in the proceedings. It is my humble opinion that a motorist, having paid and having proof of payment but entering the wrong VRN, should make an appeal at the first appeal stage in order to prevent problems at a later stage. In this instance, I think there is nothing to be gained by concealing the identity of the driver, especially if at a later stage, perhaps in court, it is said: “I (the driver) entered the wrong VRN.” Whether you agree or not, it is up to the individual to decide …. but worth thinking about. Any feedback, especially if you can prove to the contrary, gratefully received.
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Erudio/Shoosmiths Claimform - 1995-98 SLC Loans - ignored or returned everything since 2013


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Hello,

I'm in a spot of bother with Erudio.

Thought I was being clever/daring etc... by returning their letters over the last five years

last week received a claim form through the post, at which point I (sensibly) lost my nerve and found CAG whilst searching the internet for help.

Have followed the advice in the small claim thread, filed my AOS (today), and written CCA Request and CPR31.14 to post tomorrow.

 

Details of claim below:

 

Name of the Claimant:Erudio Student Loans Limited C/O Wilmington Trust

Date of issue: 21 NOV 2018

 

Particulars of Claim:

 

1. The claimant's claim is for monies due from the defendant under the regulated agreement(s) between the defendant and Student Loans Company Limited under master reference xxxxxxxxxxxxxxxx, and assigned to the claimant on 22/11/2013, notice of which has been provided to the defendant.

 

2. The defendant has failed to make payments in accordance with the terms of the agreement(s) and default notice(s) have been served pursuant to the Consumer Credit Act 1974

 

3. The claimant claims the sum of £7116

 

4. The claimant has complied, as far as is necessary, with the Pre-Action Protocol for Debt Claims

 

Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ?Possibly. However, any post relating to Erudio would have been returned to sender

 

What is the total value of the claim?£7626 (including court fee & costs)

 

Is the claim for - Mortgage style student loans taken out between 1995 and 1998

 

When did you enter into the original agreement before or after April 2007 ? Before

 

Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Don't think so. Experian rating was 999 as of 26/11/18

 

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 Erudio Student Loans Limited

Were you aware the account had been assigned – did you receive a Notice of Assignment? I was aware loans had been sold to Erudio, and was sent a notice of assignment, but returned it.

 

Did you receive a Default Notice from the original creditor? I don't know. (sorry)

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? I've been returning post about once a year.

 

Why did you cease payments? My income has never been over the threshold for repayment. Whilst the loans were held by SLC, I deferred every year. I took an ideological stance when the loans were sold to Erudio and decided to return letters with a RTS label. I thought it was worth a try. (What a wally!)

 

What was the date of your last payment? I last deferred 25/04/2013

 

Was there a dispute with the original creditor that remains unresolved? No

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan No

 

 

I have written the CCA request and CPR31.14 and these will go in to the post, recorded delivery, tomorrow.

 

I have also registered with MCOL and filed AOS, ticked 'defend all' and not ticked the 'juristiction' box.

 

I'm following other threads concerning Erudio.

 

Next step? Await response and start researching legal successes for suitable defence?

 

Thank you

(feeling very grateful to have found you!):oops:

Edited by dx100uk
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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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[Hangs head] I was following advice from a particular group that has now since disbanded.

 

Its been an anxiety inducing few days, as this represents an extremely large sum.

From reading other posts there doesn't seem to be much to lose from defending the claim.

Worst case, I get a CCJ and would have to pay the full amount back, which would happen anyway if I were to admit the sum.

 

At least as I understand the present situation.

Edited by dx100uk
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have you earned over the threshold in all the individual years you failed to defer?

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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So the only thing you didnt do is send deferment forms for a number of years

Effectively you owe nothing.

 

This is what im toying with for you 3

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 right, I didn't send deferment forms and ignored/returned other items of post, even though I would have been eligible to do so.

 

I have the CCA request and CPR 31.14 letters on me today to post - that's the next thing to do, right?

 

And thank you for giving this matter your attention DX. I feel extremely stupid for getting myself into this situation.

Edited by dx100uk
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yes that's next.

 

there are 100's of erudio SLC claimform threads here

 

use the search CAG box of the top red toolbar to READ THEM ALL.

 

there are 3 of you in the same boat right now - threads with ignored everything in the title

each will I suspect be a slightly differing defence … the one that's over the threshold ofcourse will be]

but the approach and progression of the claim will be the same

 

get reading

DONT miss your defence no matter what does or doesn't return/happen.

 

 

yours is due by 4pm Friday 21st dec ...33 days from the date on the claimform as advised above in that link

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.

Letters went first class recorded today.

Important dates are on the calendar.

Will follow other threads and read up.

Is there any benefit to submitting a defence earlier than the deadline (but after the CCA deadline?)

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yes they might comply after you've sent it early

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

Okay, thanks for the advice.

 

I received a bulk produced letter from Shoosmiths today.

 

Here's the main body of text:

 

OPPORTUNITY TO AVOID A COUNTY COURT JUDGEMENT

You will be aware we recently issued legal proceedings in this matter through the County Court Bulk Centre (CCBC). We have now retrieved notice of issue confirming Erudio Student Loans Limited will be at liberty to request Judgement against you on 10/12/2018 for the full balance and additional costs.

 

HOW THE JUDGEMENT MAY EFFECT YOU

The County Court Judgment (CCJ) will stay on the Register of Judgements, Orders and Fines for 6 years. This may affect your ability to obtain credit and other financial services. Banks and loan companies use this information to decide whether to give you credit or loans.

 

If you pay withing a month

If you pay the full amount within a month of the Judgement Order you can get the Judgement removed from the register and any Credit Reference Agency

 

If you pay after a month

If you pay the full balance after a month, you can get a record of the Judgement marked as 'satisfied' in the register. It will stay on the register (and at the Credit Reference Agencies) for 6 years but people searching the register will see that you've paid.

 

HOW TO YOU AVOID THE COUNTY COURT JUDGEMENT (CCJ) (their error)

 

To avoid a CCJ being registered against you, Erudio Student Loans Limited will require a payment in settlement of the account. Without Predudice, in some circumstances, Erudio Student Loans Limited may be willing to accept an amount less than the current balance. Should you want to discuss this option, please contact our offices on the direct line provided below.

 

There are numbers to call, ways to pay and on the reverse an 'important' message saying that if I am planning to seek advice its essential I let them know (as in the absence of your contact further action may continue)

 

Its downright misleading with reference to dates, and I'll be filing this one away whilst we get on with the job in hand.

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in otherwords a begging letter

ignore

its FAR better you scan these bothsides of all such letters letters to ONE multipage PDF and READ upload so others can SEE the letter

wasting time typing out letters in pretty colours is useless

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... 

Link to post
Share on other sites

thread tidy

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...

Hi there,

 

There have been no further letters from Erudio or Shoosmiths to date. I've been holding out to submit my defence (due 21st December) but have a couple of questions in the interim.

 

Firstly, I am correct to wait until after the CCA deadline if I am planning to file a std holding/no paperwork defence?

(Apologies that this is a repetition of post #9 - I didn't word my question very well then, and have been feeling confused about this)

 

Also, would it be expedient to send SLC an SAR?

Like others here,

I've been issued with a claim for one lump sum,

under an Erudio account number,

but originally I took out three loans with SLC;

one for each academic year between 1995 and 1998.

 

From what I've read,

it seems this is not strictly necessary now,

but might be useful further along the line...

Edited by dx100uk
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answered in post 10 ….you wait till closer the filing date yes.

post up your defence first here mind for checking

 

sar wont hurt no but you keep that info to yourself till it might be time to fire your bullets.

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

Hi,

 

This is my first go at my defence. Would be grateful for any pointers/advice...

 

POC:

1. The claimant's claim is for monies due from the defendant under the regulated agreement(s) between the defendant and Student Loans Company Limited under master reference xxxxxxxxxxxxxxxx, and assigned to the claimant on 22/11/2013, notice of which has been provided to the defendant.

 

2. The defendant has failed to make payments in accordance with the terms of the agreement(s) and default notice(s) have been served pursuant to the consumer crediticon Act 1974

 

3. The claimant claims the sum of £7116

 

4. The claimant has complied, as far as is necessary, with the Pre-Action Protocol for Debt Claims

 

1.The Defendant contends that the particulars of claim are vague and 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 and accepted the Defendant has in the past had financial dealings with the Student Loans Company. The Defendant does not recall the precise details of the alleged agreement or debt, and has sought verification from the Claimant who has to date has failed to comply. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly provided by the Claimant.

 

3.Paragraph 2 is denied. The Defendant is not aware of any alleged service of a Default Notice pursuant to the consumer credit Act 1974, either by the claimant or The Student Loans Company

 

4. On receipt of the claim, a request for information pursuant to the Consumer Credit Act (section 77) addressed to the Claimant and a CPR 31.14 Request addressed to the Claimant’s solicitors were posted on 29th November 2018. To this date the Claimant and their solicitors remains in default.

 

5. It is not accepted with regards to the Defendant owing any monies to the Claimant and the Claimant is put to strict proof to:

 

a) show how the Defendant has entered into an agreement; and

b) show how the Defendant’s alleged debt has reached the amount claimed for; and

c) show the nature of breach and service of a Default Notice and subsequent Notice of Sums in Arrears in accordance with the Consumer Credit Act 1974; and

d) show how the Claimant has the legal right, either under statute or equity to issue a claim.

 

6. As per Civil Procedure Rule 16.5 (4) it is expected that the Claimant proves the allegation that the money is owed.

 

7. On the alternative, as the Claimant claims to be 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.

 

8. 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

 

Many Thanks

Edited by PercyPercy
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pes im wondering if we should include that, even if you did recognise the debt

your threshold has never exceeded the published limits since studying in xxx yrs.

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

Something along the lines of:

 

Had the defendant been aware of the assignment/debt, it is understood the defendant would have been eligible for deferment, having never exceeded the published limits of annual income since studying in xxx yrs.

 

ps. homelife beckons - will be back to this later!

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let andy have a think on this

it might not be necessary

or not something until they cough and used at the Witness statement stage,

 

def is not due till Friday so's theres all week to go yet

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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If you have a genuine reason to defend the claim then state the reason...you can incorporate it into the holding defence...simply amend your 2/3/4 reasons as to why you deny the claim.

 

Andy

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