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drydensfairfax PAP for 1994/5/6 loans - clarification required please!

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Hi -So I realise there's loads of info about this on here but I'm struggling to understand it and I keep running up against dead links to pages people are being directed to. 

 

Briefly -

- I have 3 loans from 94/95/96.

- Kept up with all my deferring until 2015 when I was having a bad time and got the loan terminated by erudio.

- I have never earnt above the threshold at any point.

- I've had Moorcroft and capquest on my case and managed to palm them off by asking too many questions and stating my case that i've never earn above the threshold.

- I've now received a PAP from Drydens. I'm well within the 30 days - How should I proceed? Very confused by so many threads. Sincerest apologies for adding another one.

Additional info

- Last deferment was 2014 so not SB

- Tried various appeals on compassionate grounds to erudio at the time. Not interested. Took it to the FOS - they didn't support me.

- I think from what I can tell Drydens are trying a backdoor CCJ as capquest sent most of their correspondence to my partners house.

 

Any help VERY gratefully received. 

 

ta

 

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something like post 2 here

 

post up your thoughts 1st.

 

although its disjointed

read this thread CAREFULLY...

https://www.consumeractiongroup.co.uk/forum/showthread.php?447223-Erudio-and-final-FOS-decision

 

same situation??

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Hi - thanks for responding.

 

Same situation in that erudio have sent drydens after me and that we both had our loans terminated for lack of deferment forms. Also we both tried and failed to get the FOS involved.

 

I hadn't twigged that my first loan [18/04/1994] has actually passed the 25 year mark.

Do you think that's why they are getting pushy then?

 

The termination letter states I have lost my 'right of cancellation of the debt if it has been outstanding for 25 years" but I guess the fact I haven't actually been over the threshold and can prove this if need be makes their claim more tenuous?

 

I'm very happy to reply to the PAP as is suggested and haven't done a CCA yet either.

 

Currently earn about £15,000 PA so i'm barely halfway to the threshold.

 

Not sure I can add anything else.

My case is pretty straightforward really, kept up with all my paperwork and changed addresses etc, messed it up a bit during a bad patch, ended up getting it terminated.

 

Not very happy about it..... But not scared of them, certainly doesn't keep me awake at night.

 

Righteous Indignation I think it's called.

 

 

Should I refer to the first loan as being over 25 years on the PAP?

Also they are meant to send one PAP per loan right? This rolls them into one. Should I highlight that?

 

thanks again

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can I surmise possibly...

is this being quoted as one slc agreement but the total of all the loans?

or is this being quoted as a erudio ref number from the whole sum ?

 

the fact that one or more has matured is immaterial as such, they were concurrent years of study?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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it's quoting the total outstanding amount of the 3 loans as the debt but then with a breakdown into the 3 separate years of the loan so -

 

date of loan            amount outstanding

18/4/94                      £xxxxxx

24/2/95                      £xxxxxx

10/6/96                      £xxxxxx

 

They are totally separate as far as I am aware though, the statements that Erudio send out come in 3 different envelopes 

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I would expect it was a 3yrs qualification though?

but anyway, in terms of how slc deal with them they are one sum so the first wont be matured no sadly

 

ok you have the info upon what to do.

 

you've only got the pap loc because in their eyes you've ignored things to date and once you reply

it'll go quiet like all the LOC threads have done.

 

they are picking off easy targets to gain backdoor CCJ's with people that don't respond.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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That sounds promising! Thanks.

 

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