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Erudio/Drydens - claim court form - poss SB'd - ADVICE NEEDED


cosmicgirl79
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that is our SB defence yes

simply copy and paste it into MCOL.

 

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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Have we said that?

  • 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... 

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Have we said do that?

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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there are over 15 erudio claimform threads here with how people have responded to their claim by entering a statute barred defence

you need to be reading up as part of the self help of CAG

as what to do

how to do it

whats next

how things progress through the differing stages of the claim

 

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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what have they got that they can respond too that counters your SB defence?

zilch.

 

as with every erudio claimform or PAPLOC thread on CAG

you solely got the claim because for whatever reason , to that date, everything was ignored.

 

once a response is made

they go away.

 

default CCJ avoided.

you must read up and understand how arrows [erudio!!] operate

 

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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  • 2 weeks later...

did you get an ack letter from the court that they have it?

 

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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1 hour ago, cosmicgirl79 said:

I filed the defence two weeks ago. I haven’t heard a thing. Is this usual? 

 

Well yes considering the claimant has 33 days to decide if they wish to proceed...you need to brush up here and read a few threads on what the normal process is.

 

Andy

We could do with some help from you.

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

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  • 4 weeks later...

read the letter the court sent you ack'in your defence

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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  • 2 weeks later...

Drydens have recently responded to my defence. 

 

It says: “Having now had the opportunity of discussing the Defence with our client, we enclose the following documentation addressing the issues you raise in the Defence and in support of the our client’s Claim against you:

 

The relevant limitation period in respect of this type of debt is 6 years pursuant to section 5 of the Limitation Act 1980 (“the act”). By section 29 of the act, there is fresh accrual of the relevant limitation period upon each part payment. We can confirm that the last payment was 18 April 2017 in the sum of £25.00. The limitation defence which you have filled is therefore, without merit”.

 

Then it goes onto say, “we are in a position to progress our client’s Claim against you and would therefore, invite you to now settle this matter without the need for further legal action."

 

Then it says I have 14 days to make the payment or contact their offices. 

 

I’m concerned that it is “14 days” from when the letter was dated, however the letter only arrived this Tuesday (3rd December) although it’s dated 19th November. There isn’t a date stamped on the envelope. 

 

I really don’t want to make contact with this organisation. What can I do? Thanks 
 

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ignore their timeline the claim is well stayed.

 

so have you paid erudio anything since they wrote to you in 2013 was it?

you've mentioned anything before?

 

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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opps why didn't you say so

are you sure this payment wasn't made against a differing account number than the number in their POC?

 

 

 

 

 

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 completely forgot, I didn’t think as it was Cap-quest. 

I checked and the payment matches with the number in the POC

I don’t want to call Dryden’s although I’m concerned about the “legal” action.

What do you think I should I do next? 

Nasty company!

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well the claim is stayed so don't panic for now.

 

is this the ONLY payment made

and how did capquest get this out of you?

by phone?

 

explain what caused you to make the payment and how you did it please

 

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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From looking at my emails - they wanted me to set up a plan..  I made three payments of £25 in 2017. Which I forgot about. So is that right that the SB claim is null? 

 

 I stopped because I thought I had defered. But then I realised they had taken over the loan from SLC. 

 

I'm not keen to call Drydens - what can I do next? 

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Who said you have to call anyone

Yes it might upset your defence..however..

 

So how did they con you into paying when you have never earned over the threshold??

Can we see these emails suitably redacted 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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They are only confirmation emails to say that I have made a payment. It doesn't have that much info on them. Is it worth calling Capquest? 

 

I also can't seem to find any paperwork from Capquest. I guess it was threatening letter - saying that Erudio have passed on my account. 

 

 

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no ringing these they up is what got you in this mess in the first place!!

why after 10yrs of being here....

having numerous DCA threads...

being told numerous times NOT to ever use the phone or email

you DO SO and get had blind!!

note to future readers..

.NEVER EVER RING OR TALK OR EMAIL A DCA OVER THE PHONE OR AT YOUR DOOR!!

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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The letter from Drydens is asking me to respond to their letter:

 

"we will have no alternative but to apply to the Court to lift the stay on the proceedings in order to progress the legal action commenced against you."

 

Obviously I don't want to ignore it. 

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