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    • It's a very simple answer It,s a tradition me and a few of my long term mates go the pub to watch the football all day on boxing day and on new years day and our number one rule is we don't take our phones.! We don't see each other as we used to with us all leading different lives and having families but that is the one thing we have all promised too do until the day we die.! So it was quite normal for me not to have my phone and no need to worry about it because xmas and new year is the inky time of the year that I get a complete break from work zero emails zero phone calls.Its the only time in a whole year I completely have a break.
    • St Greta would love a canal with solar powered narrowboats.........
    • Name of the Claimant ? Erudio Student Loans Ltd   Date of issue – 9th Jan 2020   Particulars of Claim   What is the claim for – the reason they have issued the claim? 1.The claimant claims £10,100 for monies due from the defendant   2.The debt was pursuant to a regulated agreement(s) between the defendant and The Student Loans Comedy Limited. Each agreement had an individual account number as follows  XXX XXX XXX XXX   3.The defendant failed to make payments as per the terms resulting in the agreements being terminated. Notice of such is served by a Default or Termination Notice subject to the terms of the agreements.   4. The debt was assigned to the claimant on XX/XX/2013, with a notice provided to the Defendant. A new master reference number XXX was also applied upon assignment 5. The claimant has complied with the Pre Action Protocol for Debt claims.   What is the total value of the claim? £10,100  Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? No    Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes, possibly more than once. This claim form has been sent to my home address   Did you inform the claimant of your change of address? No, I have never heard of Erudio before I received this claim form.  I did notify The Student Loans Company Ltd about my address change though. Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Student Loans   When did you enter into the original agreement before or after April 2007 ? Before.   Do you recall how you entered into the agreement...On line /In branch/By post ? I think I signed the forms in person, although it would have been about 25 years ago so I can't be positive.   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? No   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. It says that the debt was assigned.   Were you aware the account had been assigned – did you receive a Notice of Assignment? No, I have never received any notice of assignment   Did you receive a Default Notice from the original creditor? Not to my knowledge   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Not that I remember   Why did you cease payments? I always returned Deferrment notices to The Student Loans Company as I never earned enough to have to start repaying these loans. I still haven't. But the SLC stopped sending deferment notices to me, and in fact stopped sending anything to me. I don't know when the last time I had any communication from them.   What was the date of your last payment? I've never paid     Was there a dispute with the original creditor that remains unresolved? Not to my knowledge    Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No I did not   This is for a huge amount of money, and I've never heard of Erudio before I received this. I do sometimes have problems with my post at my home address.  I really appreciate all help that anyone can give with this. My ideal outcome on this would be that they drop the court action and I send them Deferment notices for the future.
    • Hi Andy,   We were never notified with regards to this holiday no communication after they went into Admin. last week was the first time we heard anything at all and it was from RC themselves. I called them last night and explained everything and it looks like everything going to be okay we will only  lose the deposit which is a small price to pay I guess compared to £2000 I will update if I hear any more.   thank you Hb and Andy both for your  help   regards otb
    • yep, the UK is a bumpy twisty crowded ISLAND whos layout and transport infrastructure is best suited to Sea and Road. The rivers are generally to narrow and shallow, let alone steep, and the flat plains are simply to small and crowded to house a big rail system like Europe, China, India, Africa, Australia ............   So its smaller lots via road or ship em to the nearest port   Our railways are narrow and a bit cramped because they NEED to be. Canals were our infrastructure   When putting in just a couple hundred miles of track disrupts half the country for a decade or more, and costs a not so small nations national debt - its the wrong choice.
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PDL Cashfloat / Wester Circle - Default Notice being Threatened

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A friend of mine took out a loan with Cashfloat/Western Circle for £300 in September and was due to make the first payment in October. 

She didn't make this payment and when I told her about this wonderful site she hit them with an IRL claim

- they have already added some £155 in interest and charges  to date.


She is constantly receiving text messages about making a payment when there is an outstanding complaint against them. 

She has offered £10 a month and all charges and interest to be frozen but as the letter was sent at the end of October they have 8 weeks to respond.


Today she has received a text message threatening her with a Default Notice and adding this to her credit file unless they come to a new agreement. 

It states that a Notice of Default will be sent to her home address and also her email address.


She doesn't use the internet much so I said I would ask on here to see if there is anything she can do to stop this. 

Her next payment isn't due until the 29th November.


Any help or guidance would be appreciated as she's getting really worried about this with them threatening her with a Default Notice.


Thanks Jo 

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block the text /report as spam


block and bounce their email AD's


if her IRL complaint is successful the default must be removed


only converse ever in writing.





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Thanks, they have just emailed this to her.


DEFAULT NOTICE under Section 87 (I) of the Consumer Credit Act 1974
This is a Default Notice served under Section 87(1) of the Consumer Credit Act 1974.
In breach of clause [3] of the Agreement, reference XXXX, you have failed to pay the monthly instalments which fell due on 31-10-2019 on time and in accordance with the terms of the Agreement.
To avoid further action, please pay the arrears to us, which total XXXX by 04-12-2019.
If the action required by this notice is taken before the date shown no further enforcement action will be taken in respect of the breach.
If you do not take the action required by this notice before the date shown then the further action set out below may be taken against you.
If you fail to pay XXXX on or before 04-12-2019, we will enforce our rights and:
  • Send you a letter terminating your Agreement;
  • Demand you pay the balance due under the Agreement to us;
  • Report your default and non-payment to credit reference agencies; and
  • Issue legal proceedings and request Judgment for the balance due under the Agreement.
If the arrears are not discharged and the Agreement is terminated, you must make payment of the balance referred to above as a lump sum. If that lump sum payment is not made on 04-12-2019 balance will be recalculated as at the date when such payment is actually made or to be made.

In your own interests, you are strongly urged to contact us by telephone on 0203 757 1933.
If you have difficulty in paying any sum owing under the Agreement or taking any other action required by this Notice, you can apply to the Court which may make an order allowing you more time.

You should be aware that if we take you to Court and get a Judgment against you requiring you to pay us the money you owe us under the agreement, you may have to pay us both the amount of the Judgment and interest under the agreement on all the sums owed by you at the date of the Judgment until you have paid these in full. 
If you are not sure what to do, you should get help as soon as possible. For example you should contact a solicitor or your local Citizens' Advice Bureau.
This notice should include a copy of the current FCA's information sheet on default. This contains important information about your rights and where to go for support and advice.

If it is not included, you should contact us to get one.
If you would like to speak to us to discuss your arrears or the content of this notice, please contact us on 0203 757 1933
We look forward to hearing from you.

Yours Sincerely,

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A number of already existing PD loans that she has an arrangement to pay with and she's taken this one out - as the saying goes robbing peter to pay paul!

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Hi - just to update you on this.


My friend has now managed to stop the Default by agreeing to a repayment plan of £10 per month whilst she went through the IRL claim.  They have this week rejected the claim.


The original loan was for £300 taken out in September, they have added £210 in interest and charges since she couldn't make the payment due at the end of October!


Can she at least get the interest charges refunded so that it reverts back to the £300 - or is this not possible?



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off to the fos

PDL's always refuse IRL.




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Amazing thank you - will work with over the weekend via the pack on here :-)


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