Deferred student loan 2015 Now Letter From DrysdenFairfax

[Plebe]

Hello, 

I hope you can help.

 

I have recently received a Pre Action Protocol for debt claims regarding my student loan which i deferred with Erudio in 2015.

 

I had not heard from Erudio since then but since moving to England recently (from Scotland where the loan was taken out) have received this PAP letter from Drysdenfairfax.

 

I have read many of the posts here but am uncertain as to whether I just ignore them or contact them.

 

Any help would be greatly appreciated.

 

[AndyOrch]

Hi and Welcome to the Forum.

 

Please take a read of the following re Pre Action Protocol.

 

Andy

 

[Plebe]

Hi Andy, thanks for the prompt reply.

Do i follow the advice given in post #2 and does it make a difference if the loan was taken out whilst i was living in scotland?

[AndyOrch]

Yes it does.....PAP is not applicable to Scottish agreements

[Plebe]

Thanks again Andy. So if the PAP is not applicable to Scottish agreements how do I respond?

 

[AndyOrch]

Scotland has its own equivalent....

 

 https://www.scottishciviljusticecouncil.gov.uk/new-rules/2016/07/25/new-compulsory-pre-action-protocol

 

 Drysdenfairfax. should issue similar but through the above legislation...given that they are English based they cant use the english version.

 

Do you still reside in Scotland ?

[Plebe]

Moved to England just over a year ago, makes this thing a little more confusing sorry!

[AndyOrch]

And the Student loan was with regards to attending an English University ?

 

Complete it anyway and follow the instructions.

[Plebe]

No the letter is regarding a loan i took whilst living and studying in Scotland 99-21

[Plebe]

What do you suggest i put for the following... 

I dispute this debt because..recommended reason as advised from your thread and add the debt purchaser has yet to provide any or all of the required documentation.

thanks again

[AndyOrch]

Its a Scottish agreement then and English Pre Action Protocol does not apply ( I thought tuition fees were abolished in Scotland ?)

 

Return it and state that English Pre Action Protocol is not applicable to Scottish Agreements..... The loan was deferred in 2015

[Plebe]

Thanks again Andy. Yes tuition fees were scrapped, the loans were for living expenses.

Cheers

[dx100uk]

good work

doesn't really matter what you send back as such

these Dryden PAP letters are simply sent out to see if a response can be gandered

if not erudio issue a claimform to your last known address, of which, you'll know nothing about till it appears on your file .

default none contested judgement.

 

I will gather that you've not communicated with erudio since your move?

 

loads of like threads here to read drydens PAP letter SLC

[Plebe]

Thanks very much dx, I havent communicated with Erudio since i last deferred in 2015 and I cant remember them ever contacting me till recently to tell me they have passed my account to Drysdenfairfax.

 

Ill get this sent out tomorrow hopefully and keep you updated.

 

Cheers!

[dx100uk]

so you have written to erudio quoting your current address before?

 

dx

[Plebe]

no,  i have no idea how they got my current address

[dx100uk]

its on your credit file

they hold a licence to view it.

 

so confirms it is a phishing letter 

you must reply

else they'll issue a backdoor claim to your old address

[BankFodder]

Open

[Plebe]

drysdenfairfax finally got round to sending me a copy of my credit agreement today as well as a statement of accounts which i requested in writing at the beginning of MAY.

 

They said they "apologise for the delay in providing me with this"

 

They now ask me to pay by beginning Jan.

 

This seems ridiculous to me, what can i do now, they took 7 months to get back to me and expect payment in 2 weeks?

kind regards

Plebe

[dx100uk]

Didnt think you were asking for an agreement copy

just informing them it wasnt applicable.

 

Have you ever earned over the threshold

And was this a SAAS one?

[Plebe]

I didnt ask for an agreement copy specifically, just the did the standard PAP reply as advised on the thread stating the reason as you suggested. They took 7 months to reply and now are asking me to contact them to arrange payment. It has landed just before Christmas, how lovely.

 

This was a SAAS award.

 

Im not really sure what my next steps are. 

Edited December 20, 2019 by Plebe

[dx100uk]

plebe.

scan up the letter you have to one multipage PDF

read upload carefully

 

dx

 

[dx100uk]

might be worth to read this thread plebe.

esp the post from stu 007

[Plebe]

Thanks dx100uk,

will get the stuff uploaded,

did you forget to put a link to the thread?

cheers!

[dx100uk]

sure