Jump to content


Student Loan Erudio/DrydenFairFax - Moved Abroad


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

Thread Locked

because no one has posted on it for the last 1618 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 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....



 

Link to post
Share on other sites

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

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

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

 

send it from your current address.

 

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... 

Link to post
Share on other sites

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 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, 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.

Link to post
Share on other sites

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 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

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... 

 

 

Link to post
Share on other sites

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 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

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... '
 

Link to post
Share on other sites

Not drydens unless yours is a letter of claim

Erudio.

 

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

Your later letter is immaterial

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

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?

 

 

Link to post
Share on other sites

as I already said.....……………………...

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

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!

 

 

 

 

Link to post
Share on other sites

If youve sent our sb letter should sort it

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 told my family to return the letters stating 'NOT AT THIS ADDRESS'. 

 

I sent Drydensfairfax an SB with my change of address on (I now live in the US) 1 week ago via email and post and haven't heard a thing.

 

I'm hoping that fixes the issue. I hate that they keep ignoring me and not accepting receipt of my mail.

 

One thing I'm worried about is them issuing a CCJ against the address and causing my family issues.

Link to post
Share on other sites

then don't get the mail returned.

simply get them to open and scan the letters and send to you.

 

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... 

Link to post
Share on other sites

return to sender new address XXXX usa.

 

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

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...