Jump to content


  • Tweets

  • Posts

    • Hi. Could you post up what they've sent please so we can see what the charge is? Cover up your name and address and their reference number. HB
    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
        • Like
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Erudio terminated my agreement


I3Mega
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1773 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi all,

 

I have 3 student loans from 1995, 1996 and 1997. I have deferred these each year upto August 2017.

 

I moved address (read released from prison) in August 2016. As I had a lot on my mind I did not think about my student loans, which i had just deferred, thus I didn't notify them of my change of address.

 

Erudio apparantly sent me the deferment pack etc etc but the prison service instead of forwarding these letters to me (They were required to but that's a separate issue) they returned these letters to sender.

 

Despite having letters returned to them they continued to send letters to me at the prison address.

These included, apparantly, a default notice, a full payment demand and a termination letter.

All of these were also, it seems, returned to sender.

 

Q: Does it count as sending to my address if they have been informed that i am no longer there?

 

In september 2018 I did recieve a letter from Erudio, via the prison, and I contacted them to defer.

They informed me that they had terminated my account (apparantly in December 2017) and that the full amount was now due.

 

I asked that they reinstate the loan and allow me to defer due to 'exceptional circumstances' but they refused.

My MP contacted them on my behalf to ask for the same but they still refused.

 

So, I ignored them. They sent me a income and expenditure form and I still ignored them.

 

Then on Friday I received a remedy of account letter stating that they had failed to sent out statutory letters since 16th September 2017.

 

I looked at the CCA 1974 and it appears to say that if they fail to send out such notices/letters then they are unable to enforce the agreement during the period of non compliance.

 

I therefore thought that as they had failed to do what they should have done they might now be a little more willing to cooperate.

I was wrong.

 

I argued that if they cant enforce the agreement during the period of non compliance then I couldn't have defaulted.

Thus they had no call to terminate.

They don't accept that argument.

They say that it means they couldn't take legal action but that they can still terminate.

 

I guess that one is a matter of interpretation.

Anyone have any thoughts on that?

 

So the position that I am in now is that I have made a formal complaint, verbally, and am awaiting their response, which I suspect will be to tell me to go away.

 

Incidentally, I contacted the FCA and Erudio are no longer "authorised and regulated by the FCA" but Arrow Group Ltd is.

They gave me a (mobile) number for a Susan Pierson at Arrow whom I contacted and complained to.

 

Within an hour or so I had a call from Stuart Guy at Erudio, the complaints manager apparently, who then discussed my complaint in order for it to be investigated.

 

I have also contacted the SLC and they say that they do not have access to my loan agreements etc.

Do you think it's worth asking Erudio to supply my CCA agreements?

 

Looking forward to any comments and advice.

 

Cheers🙂

Link to post
Share on other sites

well 1st stop ringing DCA's and their dogs.

writing only.

 

are/have you earned over the threshold since not deferring.?

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

Thanks for your replies. Although I have been ringing, not writing, they are considering my complaint and will allegedly give me a deadlock letter addressing all the points I have raised, if they don't side with me (i know they probably wont) at which point I will go to the FSO

 

I am wary of writing as I don't want them to consider it an admission regarding the debt and reset the timer?

 

I have not earned over the threshold at any time since I took out the loans. I am currently on, since my release, income support and receive carers allowance (total £109.95 weekly) as I am my mum's primary carer.

Link to post
Share on other sites

FSO is orchestra..FOS.

erudio wont go anywhere near a court with this.

your main issue is you keep poking the bear..and using the phone.

they cant enforce them and they cant refuse back dated deferment.

 

get our copy of the old blank SLC deferment form from the home page of this SLC forum.

filling out copies for the years you could/did not defer

 

send them off to erudio with a covering letter that you will not be entering into any further discussions over the issues

 

let 'em sweat.

 

as for admission, well you've got to do that anyway.

  • Thanks 1

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

unlawfully defaulted and terminated in my books...

 

and just remember they aren't the original creditor so cant in really do either in the strictest sense of the regulation regarding both.

and most certainly cant during a period of their non compliance

 

but the major goal here is to put them on the backfoot 

esp regarding court claims.

they've not taken a case like yours to court

and I don't ever expect they will

they are more concerned with getting backdoor CCJ's against mugs that have never updated SLC with their correct address at present.

  • Thanks 1

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

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...