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    • Just wondering if someone can offer some advice. Before I knew about this forum I ended up with a CCJ. I agreed a payment of X per month with the Court and it was agreed and that payment has been kept up to date, except for a period last year from Sep to Dec whereby I was held on suspicion of a crime in Norway (later acquitted I might add) but for 3 months and as such had no way of maintaining the payments each month with no access to be able to make the transfers to these parasitic wasps. When I returned, I paid the 3 months I was behind and have since continued to maintain the payments that was agreed by the Court originally. I have never received any notification or demand from the Court regarding the period I was unable to pay and haven't to date. However, I received this below by email today - not sure how they got my email but perhaps from this original debt as the Original creditor may have passed it on to them. Any thoughts on this please? "The County Court Judgment (CCJ) granted on 11-2018 remains unpaid therefore our client is considering enforcement action. Despite sending you previous reminders, you have failed to engage with us and set up an affordable payment plan for £2444.21 which means our client could instruct us to take further action in the next 14 days. If our client instructs us to apply for a Warrant of Control, a County Court Bailiff could visit you at home to discuss payment of the outstanding balance. Alternatively, our client may instruct us to enforce by way of a Charging Order which will result in the Court securing the outstanding debt against any beneficial interest you hold in a property. This means our client will recover the debt when you come to sell or remortgage your property. Our client may also request an Attachment of Earnings which will result in the Court ordering your employer to deduct payment directly from your wages. In order to avoid this, you must either make a one-off payment of £2444.21 or set up a payment plan with us within 14 days."  
    • Actually you making me go back and double check the Arnold Clark thing rang a bell and the trust took all the payments off my wages. 2 months £111 & 2 months at £115. Im fairly sure that means its paid off?
    • nothing to be scared about at sll... what are you scared over ... lets get that out the window then p'haps we can be given some logical answers as this is all mad. who is the owner on the cars v5c document?..have you got a copy of it? when someone get's a pcn, it will go to the registered keeper of the car, (as whomever issued the pcn will log a reg number, then ask the dvla whom is said person on their database for a fee)  if the RK are a lease company, the lease company should inform the pcn sender of the details of the named HIRER.  the pcn issuers then must reset everything and write a new pcn to the stated hirer including a copy of the relevant hire agreement. if the hirer was not the driver, then they should write back to the pcn issuer stating who the driver at the time of the PCN was. the PCN issuer should then reset everything again and sent a new pcn to the named driver. thats how things work by LAW. if someone in one of the stages has messed up then any pcn is void. lets just assume that the nhs trust is the hirer, the nhs trust just cant payt any pcn they get whereby they know the driver was you and then dock it from your wages!! thats THEFT!! any PCN is solely a matter between whomever was the DRIVER and the PCN issuer, NOTHING to do with any hire company who should be transparent. nothing to do with your employer the hiree, they should be transparent.  now if the pcn issurer has written to the DRIVER and they fail to pay a PCN , eventually the registered keeper ONLY could be held responsible. but that doesnt fit any of your PCN's esp this one!! neither should pay anything to anyone not doc your wages nor add admin fees. again something is not right here. dx   nothing to do with    
    • Cameron and Tyler Winklevoss will become co-owners in the ninth-tier club.View the full article
    • yes send a letter explaining your business losses as a result of the NFU error and say that you want to avoid taking this to Court, therefore hope that a settlement can be negotiated.  Send as much information as you can to evidence the loss and how these have been calculated.
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Erudio/drydens claimform - old slc loan - stayed now N244


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Hi,

i have read through as many of the SLC HSL etc posts as I can handle without my brain melting and I'm still not sure what i should do with my situation.

If anyone can shed any light I would be most grateful.

I failed to inform the SLC of a change of address when I moved in NOv 2006 and had not heard anything from them them until the Cash Collection Agency and Close Credit Management (both at same address) sent me letters stating that I owe £899.57 in Mar/April this year.

I rang them (first mistake?) and they said it is for repayments because I have failed to defer my account. Up until this point I have deferred each year since I took out the loans in 1995/1996.

I was on long term incapacity benefit for six years which was paid by Income Support. This ended in Nov 2007 when I became self employed.

The period of non deferral is Feb 2007 to Feb 2008.

I need to get deferral forms in order to prevent another £75 a month getting added in repayment amounts (each 25th of the month). 

CCA and CCM both refuse to send deferral forms until I pay them money "and no piddly amounts like a pound a month".

I rang SLC (second mistake?) who said that because the matter was passed to an agency there was nothing they could do.

THis was until I got through to collections at SLC who said they will send out a form.

No form appears and so I appear to be stuck in a catch 22 where I can't get them to send forms and therefore cannot defer this year.

What course of action should I take to prevent this spiralling.

Do I have to pay the repayments because I didn't inform the SLC of my change of address.

I can prove my entitlement to Incapacity benefit from Feb 2006 Nov 2007

and my self employed earnings from Nov 2007 to now.

They both fall well below the threshold.

It appears that I should send S.A.R - (Subject Access Request) and CCAs to the SLC is that correct.

Can anyone point me in the direction of a template, especially the CCA 

I found this

http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/92686-r-subject-access-request.html for the SAR, is this ok.

I can't get the template section to work on the site even though I am registered.

Should I do anything with the Cash Collection Agency/CCM.

They thankfully don't ring me as per many of the stories on this site.

 

Although they, unofficially through caller ID, know it I have denied that is my no.

Do I have any dispute with either of these companies,

I haven't been able to find a case that is similar, others mostly deal with "lost" deferment forms

and ensuing protocol for dealing with that.

 

I should also like to say Thank You for this resource.

My CAB is always shut due to staff shortages and I gave up trying to phone them a long time ago

after hours of waiting for nothing.

A resource like this at least allows me to get a grasp of my situation and see how others have dealt with similar issues.

Found templates! I am sending this letter to Close Credit Management,

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html template N and am going to send the SLC a SAR.

I want the CDs of telephone conversations from both the SLC and CCM, can these be included in a SAR?

Thank you for such a great resource on student loans and how to deal with the varying companies that try to get money from us.

I have two mortgage style loans that will be written off in 6 years. (25 years from when I took them out).

I am on record as having arrears for them because I moved house, didn't inform them and so didn't defer in time one year.

I had been defaulted by SLC for this and it has just been removed.

When Erudio took over the first thing they did was adjust my debt because apparently SLC had calculated wrong and I have less now than before.

As noted on here their deferment form is an information gleaning exercise and as I am due to defer for another year and I am going to use the deferment form from SLC as it contains all the info they need and no more.

I thought I would leave the CCA until after as to not get any more defaults on my account as it made a fair bit of difference to how I could run my life so I do not want another.

Is that a good idea or should I go in with a CCA now and see if they have the paperwork for my account?

Are Erudio as a DCA any more able to enforce payment from me because of arrears or are they in the same boat with me as with everyone else and I can just ignore them until the time runs out?

Thanks in advance for any help

Cheers

Jon

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  • 6 years later...

they certainly have no special powers.

they are simply a DCA.

and this is simply another debt to them

 

 

I'd seriously question how and under what rules they think they can recalculate and change a default placed by the OC.

 

 

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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As dx advised me, sign nothing with these people and do not return their form and do NOT sign it either. ( have i clearly demonstrated not signing!?)

 

1st thing id do is CCA it, as it automatically puts your alleged debt into dispute.

 

As dx states, id bet good money your debt is most likely legally unenforceable. :)

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both

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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Jon, when you say 'default' on your file, is it showing on your credit record?

 

Do not worry about this crowd attempting to destroy your record as they will not be able to without you signing your name on their form/s.

 

Do not trust anything they tell you, as they will try every dirty trick in the book. Remember that if they took a judgement against you, the judgement writes off that loan and the judgement, now is the student loan.

 

Watch out for them attempting to bluff you on this, and do not let them stress or bully you. Also i recommend that you do not let them take control of your negotiations eg: 'You are in default' write back and state that you are not because eg: 'Account remains in dispute and remains unenforceable because you failed to respond correctly to my CCA' blah, blah.

 

Just remember that if they state something is black, you argue its white as 99.999999999 out of 100 times it will be.

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Hi Warren,

The account was placed in default by SLC.

Without appropriate notice etc and stayed there for a few years as I didn't have the knowledge, time or enthusiasm to remove it.

Gone now thankfully and my credit rating is OK.

If they can't default me without me signing their forms

do I have any need to defer as I find the whole palaver pointless and time consuming and being self employed I am only just doing my 2014 tax return let alone the 2015 one?

Just completed the CCA, got the address from their website, who is the PO payable to?

Thanks

Jon

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no-one you leave it blank totally

and don't sign the letter either

 

as for them defaulting you - they can't

 

if SLC did that and its now dropped off

it can never return again

 

the ICO says:

 

All references to a defaulted debt must be removed from your credit files after 6 years

has passed from date of default, whether paid off or not.

.

{the WHOLE ACCOUNT WILL VANISH, never to return}.

.

{however, this does not mean the debt itself is not still owed

consider a CCA request.}

.

This is so that someone who continues paying something

- even after 6 years from default

- should not be at a disadvantage to someone who pays nothing after default

and ends up with a clean file after 6 years.

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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They will claim that if their are arrears on the account it cannot be written off after the 25 years, so Escerwdio will continue to chase, but whether they can collect is another matter.

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

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Can I get the arrears removed?

I hadn't deferred because I moved house and thought nothing of the fact I had to tell them.

I was on incapacity benefit at the time so was obviously under the threshold but they would not accept that because of their three month rule.

Do the arrears carry over to the new owners or can I get them removed?

I'd rather the six years was an end to it all rather than have it hanging over me indefinitely.

Went to get my postal order for the CCA request and they said that I have to address it to someone.

Is the payee Erudio Student Loans Ltd? or can I just leave it blank completely?

Thanks all for your help

Jon

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as post 8

the arrears don't show anywhere anyone can see 

you don't need them removed

pure rodeo willy waving

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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I would go with DX, in any case Escrewdio are just another bottom feeding DCA with no special powers or rights.

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

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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  • 3 weeks later...

As said can only be backdated for 3 months, and in theory are carried over to Erudio.

 

Whether Erudio have the faintest chance of enforcing them or the agreement against you is another matter.

 

They can't be reported on credit files now if you had a previous default that has dropped off

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  • 1 year later...

I have had my two loans from 1995 and 1996 sold onto Erudio in March 2014.

Having looked into it then and seeing the deferment palaver that many were having I decided to ignore them as I assumed that because they are a DCA they have no powers to collect money or default me.

I have just received a remedy of account from them detailing what they feel that my repayment amount should be and the amount that I am in arrears.

I have therefore read up again in order to try to understand if they can affect my credit rating and if I need to defer.

What powers do they have and how should I act now?

Am I OK ignoring them still as I haven't signed anything with them or deferred since they took over.

(I always used to defer with SLC and am still under the threshold for deferment)

Thank you for your advice

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several threads merged for history

if this is not on your CRA file

then i'd ignore them

 

 

I believe you are approaching the age write off

go re read your thread now

and confirm please

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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Thanks for merging the threads.

Makes a lot of sense.

Just checked my Noddle account and it doesn't show up there.

I think it is possible that the new arrears that they have calculated may be because I haven't deferred?

There are a lot of letters bundled together and none of it is very clear as to the reasons behind the calculations.

am 39. What is the age for write off?

Just reading around it looks like the loans will be written off

"when the last agreement for a student loan has been outstanding for not less than 25 years"

which will be in 2021 if it goes on my newest loan which was 1996

Is this correct?

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  • 1 month later...

Update.

 

Erudio have sent me a letter saying that they are now trying to default me. The amount is 1892.97, I am not sure if it includes the previous amounts from slc (in which case it sounds like it cannot be redefaulted?) Or if they are for the repayment amounts from April 2015 when I failed to defer.

Should I try to defer now?

More willy waving?

Having just got my default removed I should to not have to fight to get this one removed.

They sent me my CCA in 2015.

They seem to be in order.

I'm not sure about arguing white if they argue black as I'm still not sure how I stand.

Here are the letters I received yesterday if someone could have a look I would be most grateful.

Thanks

Jon

Thanks for the hand holding through that.

I've removed all QRs as well.

The amounts make me traceable but only by those that have access to the information anyhow.

I assume that's not a problem?

The original default with SLC was for £800 or so iirc.

Default 1.6.16 .pdf

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re reading your thread

they cant default you slc did that 2008

and its now gone.

 

quite honestly i'd not respond.

 

when was your last deferment?

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

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

Do you mean that because they are acting as a creditor they can default me?

 

What are my options?

The CCA seems to be in order.

I can post pictures tomorrow if it helps.

 

The alleged arrears are different from the previous SLC ones.

Does this allow them to now default me again?

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already answered 

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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  • 4 weeks later...

So they have terminated all the loans I assume

 

And you are nowhere never any of the things they list that they say a tn prevents now?

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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