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Erudio/Shoosmiths SPC claim - old SLC Loan


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I haven`t sent anything yet. I received this in response to my SAR made in November.

 

I will email a copy of my current CTax bill and previous addresses today.

 

Cheers

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whoops who did read all the posts in the SAR link

 

don't ever use email!!

gives them a freeway to send docs 1 min before a midnight deadline [very important in Scottish claims!!]

use the email ONE MORE TIME

to NOLANS

and

CABOT

tell them that this email address is NOT to be used for ANY documents or letters concerned with the current SPC No.XXXX

you address has now been blocked and bounced.

 

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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no just insert erudio and shoosmiths for cabot/nolans

 

why did you forget the ctax/addresses?

its in the guide and I told you that in post 23.

 

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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oh well you should have and the guide told you too and always has

 

 

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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Erudio has acknowledged receipt of security details and are processing my SAR. Forgot to state that I will no longer accept email correspondence so must do that today.

 

Interestingly, the email has come from the Erudio Legal email address and it states, 

 

"We are treating your Subject Access Request as complex due to the litigation activity that has taken place on your account. This means we will provide a response to you within 90 days. We will respond earlier if we can and will keep you up to date on the progress.

 

We will not be charging a fee for your request as it is not excessive or manifestly unfounded.

 

Please note that we may hold information on your account that is legally privileged as litigation activity has taken place. This means that we may redact some documents that contain privileged advice."

 

90 days my arse! It's hardly complex. 

 

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  • 3 months later...

so you missed form 4a return date I will gather as you've never been back to update us

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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  • 1 year later...
On 19/07/2019 at 01:37, dx100uk said:

so you missed form 4a return date I will gather as you've never been back to update us

Sorry, had a meltdown.

 

Returned the form to the court. Said that I believed the loans wee still deferred but that I was happy enough to make some form of repayment. The court referred back to Shoosmiths who contacted me. Reiterated my belief that the loans should still be deferred but said was "happy enough" to make repayments at the level I would if I was earning above the threshold. Not good enough so offered a slight increase, which I was prepared to do as i had been considering starting repayments anyway. This still wasn't good enough for them.

 

Long story short, they've done bugger all since until last week, when they sent a letter recorded delivery saying Erudio had instructed them to recommence legal proceedings. They included a form to return to the court to give reasons why the legal action should not resume.

 

Financially, because of covid, I am worse off now than I was previously (my partner is self employed and her industry has been shut down).

 

Any thoughts on how to respond? I note that they have not reported to the CRAs.

 

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should never had ever offered a payment...carrots - never dangle them. we never said do that nor that your were ever liable for any payments on any loans.

 

scan up what you have received/sent since last post here please

lets read what was done rather than a resume please

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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