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    • look at the timeline in the poc carefully. the a/c was defaulted 30th april the A/C was not sold till 21st june, some 2mts later   I would suggest the £499 was refund of interest or charges or WHY from the OC, hence the different wording to the phantom £1 payment some further 6mts later they claim by you.   the MBNA SAR will most probably clarify the 1st part and should be arriving well in time for your bundle exchange   at that time 2012 -14 were you ever aware of what questioning a debt was all about ?? or were involved in any other debt whereby you used a CCA request etc or were in any kind of debt management etc etc.. we don't have old thread history to guess your background.        
    • get on to Lidl head office and the local press and lay it on with a trowel. Ask the council if there are any conditions in the planning consent that palce limits on parking times- many have a minimum of 2 or 3 hiours free parking and that cannot be changed arbitarily by either Lidl or the parking co. If there are conditions make a big fuss and tell Lidl that you will be going after the closure of their store if they dont tell Athena to wind their neck in   See the case of Tandridge and Caterham branch of Morrisons which was a Somerfield. In short 3 hours free parking  as a minimum, Morrisons chaged it by hiring parking cowboys who limited it to 1 hr when they took over the store and the council told them they would close the store for breach of planning consent if they didnt tell the parking co to do one. Parking co realised they would never make money like that so skulked off.
    • The POFA allows the parking co to create a KEERPER liability if certain conditions are net. POPLA have got the timings wrong as the parking co is allowed 12 days plus 2 days for service so they mut send out the NTK in time (28th) regardless of whether it drops on your doorstep within the 14 days. So they failed to create a keeper liability- this doesnt men that there wasnt a contract with the driver but they cant assume that the keeper and driver are one and the same but this has never stopped a parking co from persuing the person named by the DVLA even if the procsessing of your personal data is unlawful cos they ahve screwed up on their dates. tyhye just lie to the courts and hope.   The BPA will do nothing other than side with the person who pays their wages for the above reasons. they will waffle about assumed driver still a contract so someone ahs to pay and it will be you unless you name someone esle etc. All cobblers but they cant burst the bubble.   Better off saving ink and fighting the parking co if they want to start something but let them waste their time and money in the meanwhile. If the car aprk is local to you get some pictures of the entrance, the signs in there and piccies of any signsthat are different to the signage at the entrance. tell us about the event, the place, time what it is they said you did wrong etc
    • this is for the court claim one should be on your other thread please      
    • no, as numerous threads here regarding AP already shows, AP stays for anything upto 12yrs and kills the score and the account thus remains on file. a default notice should have been issued after the 3rd payment which did not meet the org payment terms of the signed agreement.   the ico is even down on record stating the same about this AP marker, it should not keep an account showing on credit files nor effect one's score whereby otherwise it would now have been removed or the score improved after 6yrs
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workhouse01

Erudio Termination Letter

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To cut a long story short

 

I have had nothing but stress from Erudio ever since my old student loan was sold to them in 2014.

 

First of all they did not send me deferment forms and then said I was in arrears,

I spent ages trying to sort that out until they agreed with deferment, but still tried to chase me for arrears.

After that and going backwards and forwards sending complaints they seemed to back off a bit for a couple of years or so.

 

I have managed to defer nearly every year since, despite not earning over threshold its always been a struggle and then they claim I haven't given them enough evidence!

 

Despite sending the required three months payslips which tells them how much I've earned to date! (clearly some not very bright people who work at Erudio). 

 

This year has been no different with them being difficult and using tactics that mean you miss the deadline and then they threaten you with termination of contract,

 

after having a baby in June I decided against my better judgement to apply for deferment online,

I think I may have tried this before,

there is never any acknowledgement that its been received and no way of tracking it either ( no paper trail) apart from records on my computer.

 

However, as you may appreciate the first few months of being a new parent are a bit of a blur and to be honest I thought I had applied for it and then it would just be a case of waiting for them to send confirmation and it would be deferred ( I am currently on statutory maternity pay )

 

none of this arrived and being completely stressed due to my daughter having to undergo heart surgery at 16 weeks I did not chase this up and well I guess it wasn't on the list of my priorities at the time, thinking it might just go through plain sailing, just for once like it did with SLC.

 

I do realise that Erudio are trying anything they can to stop me from going into the 25 year period where it will be written off.

The loans were 1997-99. 

 

They have sent a termination letter saying I need to pay the entire student loan back in 7 days and I now don't have any contractual rights and the loans will not be written off. 

 

Its not the first time, Erudio have tried to do this to be honest, but after getting advice they seem to back off, but this is new to me, and well my question is: 

 

Can they actually terminate the contract despite the original contract not being with them? 

 

I have written back to them to say I applied for deferment online, but this was never acknowledged

 

my question is

what can I do now, and what are my rights? 

 

I have spoken to CAB about them before but to be honest they are clueless depending on who you speak to and where, and sometimes say they are behaving within the law ! 

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as CAB always are.

 

can I just check one point, to date you haven't been duped by erudio into paying them anything have you?

 

dx

 


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No I haven't paid anything, even when they have said I am in arrears, I have managed to get them t back off - not sure how, but obviously not earning above the threshold and making various complaints about them...something obviously worked for a while. 

 

So any advice as to what I can do now? 

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Get your local MP involved after the election. If Erudio processes are causing terminations in this way, then this must be raised officially. 


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I was thinking this, as their behaviour has always been disgusting !

How do  I go about this?

and what can I do in the mean time to get them to back off? 

 

 

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well you are here now and we'll get you sorted.

 

1st..sadly you fell for their demands of everything and they tied you up in knots with no need for you to do most of what they asked.

 

I would now fill out this:

 

the org slc form and send it to them and only ever use those from now on.

 

inc a letter of complaint upon how they have treated you and that you do not accept your loans are terminated and that should they continue with this unlawful termination and not accept and confirm your deferment, you will be immediately be contacting the FOS without notice to them.

also note that the FOS have already reprimanded Erudio several times upon such actions.

 

 


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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Thank you for this! 

 

So just to clarify, whilst I am filing a complaint about them they cannot pursue this? 

 

Also can they legally just terminate the contract, will they still try and pursue this? 

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you need to get reading the Erudio threads here

the only reason this all happened is because 'something' was in their eyes ignored.

 

once 'whatever' they do is 'undone' and the 'debtor' makes contact...they go quiet

be that letter of claim, court case or termination.

 

just ENSURE you list all the relevant agreement numbers or Erudios' mass ref number on the SLC form.

 

stop falling into their pit of compliance and thinking they have some sort of magical powers.

 

 

 

 

 

 

 

 

 


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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