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Student Loan Erudio/DrydenFairFax - Moved Abroad

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HI,

 

I had 4 student loans - 1997/98/99/2001 - whilst at university in the UK.

 

Date of original agreement 1997.

 

I'm now 41 years old.

 

The last deferral I sent to SLC was 14/05/2012

I sent a letter and a deferral form on 14/05/2013 saying that I was moving country and to update my details - I guess they didn't receive this?!?!

 

My family in the UK then received:

On 19/10/2018 I received a letter from Shoosmiths saying my SLC had been sold to them in 2013 and offered me a payment deal or a CCJ would be issued.

 

On 15/02/2019 I sent Erudio a letter saying that I hadn't heard anything from the SLC company since I moved and that I didn't know my loan had been sold.

 

On 31/10/2019 I received a letter from Erudio saying my loan is now being dealt with by Drydensfairfax.

 

I haven't lived in the UK since 2007 and all I have is 1 x bank account which is registered to my family's address. I guess thats how they got this address.

 

Since I live in another country and have no plans on return to the UK, apart from vacation. Should I be concerned?

 

Thoughts or options....



 

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Send our sb letter from the debt collection section of our library


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

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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

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Sorry, what is SB?

Also If I ignore the letter I sent what will/could happen?

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statute barred..you last deferred more than 6yrs ago.

 

send it from your current address.

 

dx

 

 


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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Ok, so, is it best to send them a letter from my current address (not in the UK) rather than ignore it.

 

 

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3rd time...……...

kill it dead by declaring SB'd.

else you'll have a  ccj issued against where they think you reside in the UK and they'll have bailiffs at their door.


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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Thanks, but if they did receive my deferral on  14/05/2013 and I received a letter on 19/10/2018, that is only 5years and 5months.

 

hence my questions....

 

I'm guessing they didn’t receive my referral in 2013 otherwise they would have updated my address abroad. If that’s the case, yes it would be 6 years and I can send an SB.

 

My fear is if I send a letter from my address abroad they will know where I am.

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you should NEVER run from debt.

old wives tale that will come back to bite you.

p'haps not so relevant in your case mind.

 

letters in nor out don't count

its last time YOU signed anything 

if they didn't get your 2013 deferral, its even more SB'd...

 

please use our search and read all the erudio threads

esp

erudio claimform

or

erudio letter of clam.

 

you'll see the only reasonfor these letters [if you have yet to receive a letter of claim...

is to gander backdoor CCJ's BECAUSE people have ignore everything..

 

wise up!

 

dx

 

 

 


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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Firstly, Thanks for taking the time to reply.

 

Yeah, I signed the referral form in 2013, but whether they received that I don't know.

 

Also, yes, It sounds like I'm trying to run.

I'm not, I don't mind giving them my information but I'm annoyed that the SLC and Erudio never let you know they have received my mail plus they don't send yearly statements or inform when the debt has been moved to a new company.

 

I haven't received anything since 19/03/2013.

If they did receive this form why haven't they been sending me statements of referral letters to my new address.

 

I wrote all this in a letter to Erudio in Feb 2019, and again, no one said they received anything.

Now I receive a letter saying its being moved again. 

 

It's just frustrating... 

 

 

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no.. all remaining SLC loans not already farmed out were bulk sold by the gov't to erudio in 2013

they are part of the arrows group, shooes like drydens are simply solicitors for hire

so your loans have not been sold on multiple times. sols don't buy debts just act for their clients..in this case erudio.

there is no requirement to send any annual statements on dormant accounts.

 

its not frustrating, just you being unaware of how the debt sale industry operate.

 

 

 


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 is true, I have no idea... hence why I'm on a forum.

 

I didn't know they sold the loans to Erudio until 2018! That was the first I'd heard about my loan since 2013.

 

So why would Shoosmiths move my case on after only a year without dealing with it?

 

So, may I ask. If I send a SB to Dryden and they say 'actually you signed something on 19/03/2013 and we contacted you via Shoosmiths on 19/10/2018 meaning the SB won't cut it... '
 

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Not drydens unless yours is a letter of claim

Erudio.

 

03/2013 + 6 = 03/2019..sb'd.

Your later letter is immaterial


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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The letter is from Erudio and titled 'Notification of Account Transfer to a New Agency'

 

They say direct all enquires to Drysdenfairfax and have given me a new code.

 

Concerning the SB. The letter they sent me in 2018 wouldn't count as I didn't sign anything?

 

 

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as I already said.....……………………...


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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ok thanks.

 

Sorry my knowledge isn't great on these issues and I want to make sure I understand what is being said.

 

Again thanks for your knowledge

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Guess what, I received a letter of claim today from Drysdenfairfax 

 

‘This is a lower of claim sent to you in accordance with the pre-action protocol for debt claims. It is important that you read and understand the contents of this letter and understand it’s attachements’.

 

‘We have been instructed by, Erudio Student Loans Ltd, in relation to the above debt. If you do not provide proposals to repay this debt or respond as otherwise detailed in this letter, legal proceedings may be issued by a county court’

 

i sent them a letter last week but from the US so it will take a while to get there. They are quick to send this to my parents house!

 

 

 

 

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If youve sent our sb letter should sort it


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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