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    • Hi Sneezer and thanks for your Site Donation which is much needed and much appreciated.   The info from the "Solicitor" makes sense if you were complaining about how CRS came to have your contact details. However, this is not relevant to your case. You didn't cancel properly and carried on paying for a gym you didn't use.   For the future, see the Guide here about how to cancel a contract properly and avoid trouble - https://www.consumeractiongroup.co.uk/topic/383678-cancelling-your-gym-agreement-get-it-right/     Come back anytime to update us but don't worry about CRS or anyone else who makes demands. Let us know if you need more for advice and reassurance.    
    • They were communicating with lawyers associated to me too   They can’t serve a SD on your lawyers, only you.   As I said earlier - the lawyer stopped communicating  around the date on the SD they incorrectly served.  And the bank told me the receiver was now handling things and not to deal with them anymore.   The receiver never asked me where I was.  But he did email and I did reply or he did get auto reply.   Since I did have email communication with them - I don't think they could say they did everything possible to find me,  All they had to do was ask!  And then we could have discussed the situation.    It almost is the reverse - they did nothing to try find me.  And if a PI is employed to do surveillance then he must have realised only one person - the wrong one - lived at the  wrong address.   Does anyone have any info re post #26 and #28 above?   The property is being marketed for sale and the receiver is negotiating offers, so there was no reason for me to expect bank/ lawyers to be trying to locate me to serve any papers.      Surely any loss to them has to be proven upon an agreed sale.  It hasn't sold yet,   They may still get a high enough offer to prevent any large debt?  There could then be a different discussion re terms of repayment?   So I was not expecting anyone to be trying to find me!   But this is a bit of a digression from what  should I be doing NOW? Should I send them an SAR?  If they do intend to serve me correctly this would be useful, yes?   I am sure they have added all sorts of unnecessary costs to the debt that could be challenged?   Also there is a question over if they even had a valid notice of assignment?  They would have to produce that in the SAR wouldn't they?   This was a real query for me ages ago but it never got pursued legally.
    • Expect them to bring up every communication and claim that you’ve been dodging them / not providing them with an address to serve to.......
    • They have email and phone - and they could have asked/ emailed me?  The research I have done shows creditor's can use email to serve.   They never asked me where I moved to. The knew they made me homeless but they were regularly communicating other things by email - so they could have asked. They didnt.  No idea how they found the elderly relative. tbh - I don't have a fixed abode.  
    • Do they have an address for you?   if not, how are you expecting them to bring it to your attention? And / or serve it in person??
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MBee

24 YR Student Loan - ResolveCall Chase visit

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Hi there 

My apologies if this is repetitive  but I hope you can help as I am besides myself with worry. 

 

Like many others on this forum, I too am being chased for a student loan taken out approximately in 1994 or 1995. 

I became mentally ill whereby I was hospitalised so did not complete my 2 yr study.   

 

Approximately last couple of years,  2 or 3  'nice' letters from CQ began to arrive offering me a reduced settlement rate, 

I followed advice  received from CB and ignored them as the debt was not on my Credit Report.

 

I received a letter on 16/12  stating that CQ will be referring my details to ResolveCall  for them to visit my property. 

Today, ResolveCall have written to me to confirm their intentions to attend my home within 7 days. 

- This has left me in a panic mode as I currently have a complex MH issue as well as a severe disability.

I am still  my MH medication and housebound.

 

Since 1995 I have moved twice . 

 I was again hospitalised in 1997 and unfortunately left me with a life long  physical disability. 

  I have been at my present property for over 20 years.

I have always been registered on the electoral register.

 

I don't remember ever making a payment or directly contacting the SLC or  being notified of any proceedings from SLC regarding the loan 

-   my carer back then was handling my financial  details so would assume they would have been contacted and notified them of my illness as I also had other debts (even with CQ) that were successfully managed and paid off. 

 

I am not sure what to do now as although your site has a wealth of information,

I cannot find anything that relates to my situation

 

. I am confused as to whether the loan is SB considering that it is almost over 25 years old. 

 

Many thanks in advance for all you help

MB

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resolve call are not bailiffs

simply ignore them.

 

when was the last time you deferred your loan?

more than 6yrs ago?

 

dx

 


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

 

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Thank you for your response. 

 

It's been over 20 - ish years since I had any contact with the SLC  informing them of my illness and never with Erudio/Capquest.

 

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But your loan was sold by the gov't to erudio in 2013

just send our sb letter to erudio

Its in the debt collection section of our library

 

Dx

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

 

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Thanks DX  and thanks for the link. 

 

1 last question before sending it though.  If the SLC have a gone ahead and obtained a 'backdoor CCJ'  before it was sold in 2013, would my loan still be SB?

 

Cheers

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but they haven't..

these fleecer most certainly would not be simply willy waving with powerless doorsteppers if there was a judgement against you.

 

sadly as has gone on since the 1970's people think DCA's have some kind of magical powers...

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

 

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Big Thanks!!

Will keep you updated for your speedy help!

 

M

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Hi All 

HAPPY NEW YEAR

Just a quick update, as advised I sent the SB letter to CQ by recorded delivery last week.  I also requested that their agents do not attend my property without an appointment which I was not going to make...  Today (06/01)  had a ResolveCall agent at my door (glad I have a CCTV intercom) so ignored him.  I guess he will attempt again pretty soon.

 

Stress levels are rising but hopefully this will be over soon.

Many thanks for your help again!

 

M

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did we say do that with the letter?

and waste money on recorded delivery ?

 

your SB letter should have simply gone to erudio by 1st class with free proof of posting from any po counter, though in this case its not needed as no legal protocols are in operation.

 

as for the silly stay away stuff, better to keep to CAG rather than stupid freeman of the land twaddle, as that shows you don't have a scoobies what you are actually talking about.


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

 

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Hi DX 

Thank you for your response  -  I  sent it as advised.  My carer posted it on my behalf as I am housebound and I wasn't aware of the free proof of posting.  The letter was addressed to Capquest and not Erudio.

 I can't remember ever receiving  anything from Erudio and assumed they were the same company as it has only been Capquest requesting money.  Was that also another error?  If so should I send the letter to Eurdio too?

 

Thanks M

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erudio are arrows DCA are capquest, all the same lot.

 

 


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

 

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Hi All 

 

I received this letter today  (attached) 

 

They say that the SLC was granted a judgement in 2002 - approximately 7 years after taking out the loan.  They say that the account will be on hold until 9/2/2020 what does that mean? Will this now appear on my credit file?

 

Thanks M

capquest 2_redacted.pdf

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oh a n old CCJ

well yes they are quite correct a debt cannot be SB'd if it has a CCJ...

 

however, as no-one let alone the claimant of the original CCJ has actually done anything with the judgement in over 6yrs

they would have to return to court to enforce it.

 

and

 

as they were not the original claimant.

the judge allowing enforcement by a debt buyer is unheard of after 18yrs.

 

ignore them.

 

dx

 


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

 

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Thank you DX 

 

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