Jump to content


  • Tweets

  • Posts

    • Commercial Landlords are legally allowed to sue for early cancellation of the lease. You can only surrender your lease if your landlord agrees to your doing so. They are under no obligation even to consider your request and are entitled to refuse. You cannot use this as an excuse not to pay your rent. Your landlord is most likely to agree to your surrendering the lease if they want the property back in order to redevelop it, or if they wants to rent it to what they regards as a better tenant or at a higher rent. There are two types of surrender: Express surrender in writing. This is a written document which sets out the terms of the surrender. Implied surrender by conduct. (applies to your position) You can move out of the property you leased, simply hand your keys back and the lease will come to an end, but only if the landlord agrees to accept your surrender. Many tenants have thought they can simply post the keys through the landlord's letter box and the lease is ended. This is not true and without a document from the landlord, not only do you not know if the landlord has accepted the surrender, you also do not know on what basis they have accepted and could find they sue you for rent arrears, service charge arrears, damage to the property and compensation for your attempt to leave the property without the landlord's agreement. Unless you are absolutely certain that the landlord is agreeable to your departure, you should not attempt to imply a surrender by relying on your and the landlord's conduct.  
    • I had to deal with these last year worst DCA I have ever dealt with. Just wait for the constant threats of CCJ and how you'll lose in court and how they won't do mediation and they want the judge to question you with a load of "BIG" words to boot with the letter. My case was struck out in the end, stupidity on their part as I admitted to owing the debt in the end going through the court process was just a formality as they wouldn't let it drop despite me admitting the debt regardless. They didn't send the last part of the court paper work in so it ended up being struck out     .
    • Well, that's it then. Clear proof of the rubbish cameras. Clear proof of double dipping. G24 won't be getting a penny. Belt & braces, I would write to the address LFI has found, include the evidence of double dipping, and ask Fraser Group to call their dogs off.
    • LOL. after sending Perch capital a CCA request with a stapled £1 PO attached (x2) Their lapdog Legal team TM Legal have sent me two letters today saying "due to a recent payment on the account, your account is open to legal/enforcement action" so i guess they have tried to apply that payment to the account to run the statue bar along. dirty tactics lol.
    • I have initiated the breathing space so ill wait. from re reading everything this what i understand BS gives me 60 days break from the creditors during these 60 days they may contact me and will most likely default I need to wait until after a default notice to see whether the OC will keep the debt or sell it off If kept by the OC then i should attempt a plan or pay some token payment? If sold to DCA then don't pay and after 6 years it will leave my credit report once the DN is registered with a date. DCA may start a CCJ but unlikely, if they do come back here. last question, do you know roughly how long this will all take? in terms of defaults/default notice, potential CCJ? Would you say I have 12 months plus from when the BS ends?
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 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
      • 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/Drydens - claim court form - poss SB'd - ADVICE NEEDED


cosmicgirl79
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 143 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, I received a county court claim form on Friday - the claimant is Erudio student loans, I have the old style student loan. However, I have had gaps in communication from Erudio - now Dryden solicitors. I think I last deferred in 2013/2104. 


On the claim form it says "the debt was assigned to the claimant on 22/11/2013" - does this mean that the debt is now statute-barred?

I contacted Drydens solicitors this afternoon and they could not tell me the last date I deferred in their records.

 

I'm wondering how to fill in the claim form. Advice would be highly appreciated as I'm aware I have very little time. 

 

Thanks Claire 

Link to post
Share on other sites

please never ring a dca nor their dogs!

ring SLC or go up on their webportal and find out your last deferment date

I suspect as with all the erudio claimforms here

this debt is statute barred

lots of erudio claimform threads here to read.

you've only got this as you've moved and never informed SLC you had done so

same with any debt that you've paid or used within say 7 yrs

never move without telling the debt owner!!

 

 

please complete this:

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 replying - I'm quite worried about what to do next. 

 

I see you wrote please complete this: - then it is blank. What do I need to do? 

 

Any advice would be useful. Thanks so much. Claire

 

Oh I see the link to the claim threads.

How can I verify that it is statute barred

 

i'll check the threads. THANKS ONCE AGAIN 

……………………..

 

Name of the Claimant ? ERUDIO STUDENT LOANS LIMITED

 

Date of issue –  18 SEPT 2019

 

Date to submit defence = 18.10.2019 

 

Particulars of Claim

 

What is the claim for – 

 

1.The claimant claims £6,000 for monies due from the defendant.

 

2.The debt was pursuant to a regulated agreement between the defendant and the Student Loans Company Ltd.

Each agreement had an individual account number as follows…

 

3.The defendant failed to make payments as per the terms resulting in the agreement being terminated.

Notice of such is served by a default or termination notice subject to the terms of the agreement.

 

4.The debt was assigned to the claimant on 22.11.2013 with a notice provided to the defendant.

A new master reference number xxx was also applied on assignment.

 

5.The claimant has complied with the Pre-Action Protocol for Debt Claims.

 

 

Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? Yes but I read it too late 

 

Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes

 

Did you inform the claimant of your change of address? I’m unsure


Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? STUDENT LOAN - OLD STYLE 

 

When did you enter into the original agreement before or after April 2007 ? Before loans were taken out in 98,99,00,01

 

Do you recall how you entered into the agreement...On line /In branch/By post ?  By post

 

Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) No, nothing

 

Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim.- to Erudio and now Drydens. 

 

Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes I think so - but they didn't give me a chance to defer. 

 

Did you receive a Default Notice from the original creditor? Yes 

 

Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes I think so 

 

Why did you cease payments? I wasn’t working for a while, I was earning under the required amount. Working on a temporary basis. I deferred. 

 

What was the date of your last payment?I honestly can’t remember

 

Was there a dispute with the original creditor that remains unresolved? I don’t know the last date I deferred payment 

 

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? They never contacted me 

--------------------------------------------------------------------------------------------------------------------------------------------------

Hi, I received a county court claim form on Friday - the claimant is Erudio student loans, I have the old style student loan. However, I have had gaps in communication from Erudio - now Dryden solicitors. I think I last deferred in 2013/2104. 


On the claim form it says "the debt was assigned to the claimant on 22/11/2013" - does this mean that the debt is now statute-barred?

I contacted Drydens solicitors this afternoon and they could not tell me the last date I deferred in their records.

 

I'm wondering how to fill in the claim form. Advice would be highly appreciated as I'm aware I have very little time. 

 

Thanks Claire 

 

Link to post
Share on other sites

As with all these youve not deferred with erudio so your last deferment was apr 2013 so sb'd

But ring slc or pop up on the slc portal now and check

Drydens are sols for their clients erudio (arrows dca) they are not debt buyers and have not and cant buy debts or raise a claim

You dont use the forns

You do not have 'little time'

Do you homework FIRST......

Use our custom google search box after hitting the top CAG squares logo

Type in erudio claimform and read ALL the threads that get listed!!

get upto speed .

also note your corrected defence filing date

 

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

Read up on those claimforms, then you will have a better idea,  as DX indicates apr 13 is last deferment  if that is correct  it looks like the Statute barred Defence can be used, that would kill their claim stone dead, but check in here before doing anything further.

  • Thanks 1

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!

Link to post
Share on other sites

Thanks for your response and kind assistance. I will happily donate to the site. 

 

The court forms are just throwing me - and making me nervous. I need to get smart quick! 

 

i need to respond to the claim form with a line about statute barred - so i'll fill in the AOS section and then defence? 

 

What do I write exactly? 

 

Best wishes, Claire 

Link to post
Share on other sites

You must acknowledge service by Friday 4th October  4.00pm...you are simply acknowledging service and stating your plea...defend all...you do  not submit your defence at this stage....your defence is not due until Friday 18th Oct ..4.00pm.

 

Andy

  • Like 1

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Yes once you have registered to use the MCOL on line service...the instructions are contained within the claim pack which also contains your password....

 

Drydens dont expect you to understand the process or  defend it.Don't forget to utilise the CPR 31.14 request if you require any further documents.

  • Like 1

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

sorry my link didn't print$

 

pop up on the MCOL website detailed on the claimform.
.
 register as an individual
 note the long gateway number given
 then log in
.
 select respond to a claim and select the start AOS box.
.
 then using the details required from the claimform
.
 defend all
 leave jurisdiction unticked
 you DO NOT file a defence at this time
 click thru to the end
 confirm and exit MCOL.
.
.
 get a CCA Request running to the claimant
https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/
 leave the £1PO blank and uncrossed
.
.
 get a CPR 31:14 request running to the solicitors [if one is not listed send to the claimant]
.
.

https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/
.
.
type your name ONLY

no need to sign anything
.
you DO NOT await the return of paperwork.
you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]
 

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 once again for all the comments, and support. The whole thing has completely thrown me - but I feel wiser and more confident. 

 

I have logged into SLC online today and the only correspondence info I can see is that they sent me an end of deferment pack on 02/12/2013 and the deferment end date was 27/01/14 - does this mean that is it not SB? 

 

In the claim form it says "The debt was assigned to the claimant on 22.11.2013 with a notice provided to the defendant"

 

 

Link to post
Share on other sites

so you sent the deferment off just prior to 27/01/13 that's the sb date - your LAST signed communication ….

as I said statute barred

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

Yes thanks for clarifying - so it says actually that Repayment of your loan(s) is currently deferred for a period ending on 27 December 2013.

 

Tonight I will fill in the AOS section. 

 

Do I need to request a CPR 31.14 and a CCA from Drydens? When do I fill in the defence section? 

 

 

Link to post
Share on other sites

all you need to do is detailed in post 11

  • Like 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

you follow this:

 

pop up on the MCOL website detailed on the claimform.
.
 register as an individual
 note the long gateway number given
 then log in
.
 select respond to a claim and select the start AOS box.
.
 then using the details required from the claimform
.
 defend all
 leave jurisdiction unticked
 you DO NOT file a defence at this time
 click thru to the end
 confirm and exit MCOL.
.
.
 get a CCA Request running to the claimant
https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/
 leave the £1PO blank and uncrossed
.
.
 get a CPR 31:14 request running to the solicitors [if one is not listed send to the claimant]
.
.

https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/
.
.
type your name ONLY

no need to sign anything
.
you DO NOT await the return of paperwork.
you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]

 

 

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

I have just posted the the CPR and CCA letters.

 

Filled in the AOS - defend all, unticked jurisdiction. Submitted. 

 

When do I fill in the defence exactly? I'm unsure what to do next? I have read the posts but can't find anything about the defence - as in when to submit it. 

 

Thank you 😁

 

p.s how do we donate something to this site? I realise some of these issues on this board can affect mental health, relationships, careers. It has been insightful indeed. This site is definitely important. 

Link to post
Share on other sites

defence date  is at the bottom of my last post or post 8

to give us some pennies click donate here or in your last post

  • Like 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

Thanks so much for responding so swiftly. 

 

I can't see anything about what to write in the defence. I'm think I'm looking at the wrong section.

 

Also, I can't see when do I send it.. i.e either immediately or wait until a certain date? I have until the 7th October. Do I send it now? I have just filled in the AOS and put defend ALL but left it unticked. 

Link to post
Share on other sites

seems like we have to repeat everything 3 times for you.

 

READ your thread from post 1again  its all here already.

 

Use our custom google search box after hitting the top CAG squares logo

Type in erudio claimform and read ALL the threads that get listed!!

 

get upto speed .

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

I’m looking at the other posts and different threads. It’s getting clearer for me. The only thing I can’t seem to understand is when to file the defence. So I’ve read to do it at the same time of sending the AOS and then I have also read not to send it just yet. 

 

I’m concerned I’ll make a mistake. Just being extra cautious. 

Link to post
Share on other sites

On ‎24‎/‎09‎/‎2019 at 10:11, Andyorch said:

You must acknowledge service by Friday 4th October  4.00pm...you are simply acknowledging service and stating your plea...defend all...you do  not submit your defence at this stage....your defence is not due until Friday 18th Oct ..4.00pm.

 

Andy

this is from post 8 here in YOUR THREAD..^^^

nowhere on CAG does it say file defence and AOS at the sametime

 

however we sometimes say once established a debt is statute barred

there is no harm in filing our SB defence before the 33 day deadline

 

here id the search you were recommended to do earlier

 

https://cse.google.com/cse?cx=partner-pub-8889411648654839:3134625398&q=erudio claimform&oq=erudio claimform&gs_l=partner-generic.12...19719.28207.0.43333.16.16.0.0.0.0.75.1136.16.16.0.gsnos%2Cn%3D13...0.8481j5062617j16...1.34.partner-generic..16.0.0.hoLL886XqKM

dx

 

  • 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

Thanks for this - sooo much - I have been very confused. 

 

I wasn't sure if there was an official timeline. And is it compulsory to file the defence? i have read many mixed threads. 

 

So it doesn't make any difference what date I file the defence as long as I do before the deadline. 

Link to post
Share on other sites

well stick to cag only you wont get confused

 

you must file before the deadline.

 

all court claims have been the same for 100's of yrs not sure how you can ever find that confusing.

 

 

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

  • 3 weeks later...

Hi, 

I sent the CCA request and CPR 31.14 - I sent this almost two weeks ago on the 2nd October. I have not heard from either. 

 

This is what I’m planning to add in the defence which I will tonight - it is due by Friday 18th OctOber this week. I just wondered if what I’ve written below is ok? Thanks to all for advice and wise words. 

 

1 The Claimant's claim was issued on (insert date).

 2 The Defendant contends that the Claimant's claim so issued is a claim in contract and is statute barred pursuant to the provisions of section 5 of the limitation act 1980. 

 

If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any cause of action for breach accrued for the benefit of the Claimant.

 

 3 The Claimant's claim to be entitled to payment of £[insert figure from their POC]  or any other sum, or relief of any kind is denied.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...