Backdoor CCJ Erudio/Drydens - old SLC Loans - successful set a side- *** Claim Struck Out failing to comply with court directions*** Now New Claim 2023***2nd Claim Discontinued***

[dx100uk]

god why come here sooooooo late

and why file an embarrassed defence!!

those went out the windows years ago.

 

the docs you've been sent cannot be used, things have to be filed well in advance not less than 7 days before a hearing

 

when did you last defer please?

if you don't know go ring SLC and ask now.

 

I will assume you failed to update SLC and/or Erudio of your correct address ...never run from debt!

 

 

[dx100uk]

so when was your last payment and was there ever a gap of 6yrs whereby you never deferred nor paid?

 

dx

 

[dx100uk]

how to go about things the wrong way...

classic example.

 

under the 

prevention of Fraud act

and

the data protection act slc MUST hold your data for 6yrs.

 

but its too late now to pull that string 5:30.

 

you've had all this time to sort this and still have continued to let yourself be fobbed off.

 

termination , maturing, defaulting, all smoke and mirrors.

 

lastly I will assume stupidly you've been using email and drydens have sent these docs by email

if so ignore them

NEVER EVER use mail

allows the filing of docs last min .

 

and never ever use the phone!! esp to the fleecers or their dogs.

 

did you regularly defer up until you start paying these back

and were you ever over the threshold?? 

 

 

[dx100uk]

proving or not statute barred is your key

 

drydens CANNOT use any of those documents they sent you in court

you OBJECT.

 

were they sent by email or when by how

 

dx

 

 

[dx100uk]

please stop going around in circles and answer the questions..

 

you cant unbar a debt that was already SB'd

so if they gained the backdoor CCJ when it was already SB's 

guaranteed set aside.

 

but you must reasonably prove the SB defence.

 

typically in a set aside application..

you need a reason to set aside the judgement

a defence for the original debt.

 

in your case SB covers both.

 

so Q's in post 8 please

[dx100uk]

They cant use them

sent to panic you

 

Dx

[dx100uk]

 

if its agreed SB'd they'll be no further hearing.

 

and even if there were it will be even more SB'd by the time it gets back to court.

do NOT let drydens refer to any docs

pipe up and object.

 

dx

 

[dx100uk]

Scotland?

 

are you now resident there?

or was this studied in England and now you are in Scotland?

 

 

[dx100uk]

just be mindful that this 'matured' thing is a load of ole … no such thing.

 

[dx100uk]

I'll say again

the maturing label is nothing to do with any legal act

its simply a term dreamed up by erudio

means nothing

 

slc payments always had a ref no.

that equates to your account with slc

go ring slc tell them a white lie..

 

you made a payment xxx date

can they check if it got through please as your bank statement is unclear if it was ever credited to them.

 

then ask what 'debt' it came off as you had 3??

[dx100uk]

no such thing as a termination notice either that relies on some 'matured' loan notion.

 

 

 

[dx100uk]

well where is this rubbish about the loan maturing in the slc agreement/ T&C's??

I cant find it so any termination notice is thus bogus.

 

they have 6 weeks to produce their paperwork.

 

I think SB could be a runner here.

 

did you ring slc quoting post 6

if you did make those payments the MUST still hold your data.[within 6yrs]

 

dx

 

 

 

 

 

 

 

[dx100uk]

have they not already gone past the deadline ?

[dx100uk]

go ring SLC today.

 

under the 

prevention of Fraud act

and

the data protection act

 

slc MUST hold your data for 6yrs.

 

you demand them to either:

 

confirm your last payment date

or

confirm they do not hold your data because the debt is over 6yrs old.

 

if they refuse..

then ask to speak to a supervisor 

tell them immediately you have finished this call you will ringing the ICO and be opening a serious complain against them and be seeking financial compensation.

 

do not take no for an answer.

[dx100uk]

the answer of no data is not good enough and not correct

that's a fob off

I believe they said it was locked and they couldn't access it..that is not correct

its either of the 2 answers ive outlined.

 

we've had this with SLC before numerous times.

threaten the ICO with them.

 

if they cant access the info then that must be confirmed its because it over 6yrs old and thus the debt is statute barred..

 

as for the court ...

give it till Monday and ring the court and tell them the claimant has failed the judges directions.

they should then probably strike it out for you.

[dx100uk]

bet if you ring again and say the claimant has failed to comply, you'll get a diff and correct answer now.

 

 

[dx100uk]

and?

 

[dx100uk]

Whatever prompted you to do that?

[dx100uk]

sorry I remember now, this is a hearing following your successful set aside 

the judge gave directions for filings by 24th october

the claimant has failed to comply, whereby you have.

 

claim should be struckout.

[dx100uk]

they have failed to comply to the specific directions of the judge

typically we see a resolution upon this whenever anyone phones.

however CCBC could be busy so email is fine.

 

the fact that erudio paid the fee is somewhat immaterial, it comes out of an account with CCBC simply by an erudio employee clicking a box, whom doesn't have a clue about your case

[dx100uk]

how did that mention of an embarrassed defence and deed of assignment get in there?

[dx100uk]

yes 

IMHO it needs tidying and parts removing/adapting

 

can you just simply open the docx file 

and copy and paste the complete text to a msg box here at text so we can copy/edit at will

 

thank you

[dx100uk]

thanks.

[dx100uk]

threads merged

 

please complete this:

 

have you par chance a copy of the original backdoor CCJ Particulars of claim too?

 

this should be easy to resolve, might be as simple as reminding drydens of the old set aside which you won

so thus nulled that org backdoor CCJ

so the statute barred clock would have resumed so now most def 6yrs has elapsed since last payment or deferment!!

 

it could be they are hoping you'd moved

 

but get the details up and that old POC please

 

dx

 

 

 

 

[dx100uk]

i wish you'd stop jumping the gun and doing things without checking here first

 

this was one of your pitfalls from day one on this claim.

 

ASK CHECK DO.