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Erudio PAP Response

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Evening people,

 

Some time ago (7-8 months) I received a PAP letter from Drysdens regarding some mortgage style student loans.

 

I followed the advice on this forum and sent the reply back using the forms disputing the debt.

I also sent a CCA request to Erudio using the template.

 

As mentioned above 7-8 months have passed with nothing but a letter acknowledging my comments in the PAP.

Now I have received all the statements, CCA’s etc and are now asking for payment by Jan 2020.

 

Since Erudio took over I have never deferred but have made payments in the past.

No payments have been made for at least 2-3 years from myself.

 

What’s my next steps and has anybody else had the same?

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are you saying you made payments to erudio but never sent them a deferment form?

how come, expand your story upon the early years please

 

when did you last defer and when and who did you pay and why?

 

dx

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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when Erudio took over I started to pay them.

The reason for this was they seemed to want to change the terms by having you sign the deferment form.

from memory if you attempted to defer and sign the form, the terms and conditions mentioned recording details of a deferment with CRA’s and the questioning was more intrusive then with the SLC.

As I didn’t know any better I started paying them what they wanted.

 

I stopped paying them in June 2016 when I realised Erudio Student Loans no longer had a CCL which was checked on the FCA website at the time.

 

The last time I deferred was with the SLC which was June 2013 and SLC sold up in November 2013.

 

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shame ...looks like you woke up late to researching things, the FOS ruled against their deferment form in what they wanted/could do on many fronts .

erudio are part of the arrows [dca] group and covered by the group licence.

you weren't talking on the phone to them during the time you started to pay were you?

 

I would assume you like others have never earned over the threshold?

 

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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