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    • Well we can't predict what the judge will believe. PE will say that they responded in the deadline and you will say they don't. Nobody can tell what a random DJ will decide. However if you go for an OOC settlement you should still be able to get some money
    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
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    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
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Erudio/Drydens Claimform - old SLC Student loans - ignored everything to date


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  • 6 months later...
  • dx100uk changed the title to Erudio/Drydens Claimform - old SLC Student loans - ignored everything to date

nothing

 

whatever appeal you made to them is immaterial.

 

you filed the SB defence

the claim is now well stayed.

 

should the fleecers wish to lift the stay it will cost them £255 and you'll get notification from THE COURT that they have.

 

until/if they do that (very remote) you are quite safe to ignore all their bluff and bluster.

 

dx

 

  • Like 1

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... 

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  • 3 months later...

I have now received a court summons from my local court

evidently my defence failed,

 

I have no idea what to do

- I can't afford to pay what I owe

 

I assume I tell them that and say how much I can. 

 

As you may have guessed I have no experience of things like this.

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eh?

you filed your defence in jan!!

they had 28days to continue the case

they didn't

 

 its been stayed since jan..

 

how can you now have an n157? form your local court?

 

scan up what you have received please..

 

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... 

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Share on other sites

How can you be at the disclosures stage when youve never received an n180 directions questionnaire

nor an n157 notice of allocation??

 

something is not right here..

unless its erudio sending you what they would file if they used an n244 to attempt to lift the stay?

 

you said this was from The court not erudio??...

 

So its an n244+bundle from the court because an n244 has been raised and gives a hearing date with 7days to object if you disagree

 

Please clarify??

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... 

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I don't know what half those terms mean, 

I'll be honest I buried my head in the sand rather foolishly thinking it would go away

I have no idea if I received relevant correspondence and didn't take any action,

 

What i have received now is from my county court civil justice centre,  

 

Yes it is an N244

 

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simply erudio raising an N244 (as eluded too in post 28) to lift the stay on the old case because they think issuing a Default Notice default notice in September 2018 sets the SB clock date... it DOESN'T and is of any use when you last deferred your loan by early 2013. 

 

pers i'd be writing to the court and objecting to the N244, but let andyotch comment upon the correct response...

when is the hearing date? 

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... 

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Tuesday?

what date is the letter from the court informing you of the claimant N244 etc etc?

 

was this sent to your parents address weeks ago? and you've only just got 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... 

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No it was sent to my address came about 3 days ago- I ignored it

- I know I only panicked today when i got an email  from the court asking for my telephone number to do the meeting link.

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what date in on the letter you got 3 days ago from the court?

is this simply a on papers hearing like the attachment

 

court keans stay lift.pdf

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... 

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Share on other sites

Can you scan redact and upload a copy of the N244 and witness statement in support of their application. You will have to prepare your statement in response with objection and reasons....this must normally be served not less than 7 days but due to the current climate you will be allowed leeway,

 

Andy

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N244 and witness statement  please not the above thats from last year.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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so they are trying the old BMW v Hart dodge that the sb date is Default notice + 14 days when the last time the defendant acknowleged the debt was by deferment to SLC in 2013 and the default issued by erudio is some 5yrs after that date...nice try.

 

I've a feeling a letter has conveniently gone missing as I expect you were supposed to fwd your WS to drydens for them to be merged as one bundle for the judge.

 

quick line about how hart doesn't apply andy?

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... 

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 BMW v Hart was a HP agreement with the inclusion in its T&Cs with regards to the effect and service of the DN ...which runs from the termination notice/date.....not the default notice date plus 14 days.

 

CLAIMANTS RESPONSE TO DEFENCE
20 In response to the Defendants Defence, the Claimant maintains that the debt IS due and owing and answers the points raised below
The debt which is the subject at the proceedings is not statute barred As set out above, the agreement was terminated In October 2018 Limitation did not start to accrue until termination and as such, the claim was comfortably within limitation when It was Issued (BMW Financlal Services -v- Hart [2012] EWCA C,V 1959)

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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Have you made a start on your response to the claimants statement ?  You only have 7 days.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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Barely. I'm totally lost this is all completely foreign to me,  I'm worried I don't have a leg to stand on with having ignored so much.  I can only remember that I did try and defer in 2014 yet there seems to be no mention of this.  

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the fact you tried to defer in 2014 is immaterial.forget about 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... 

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Share on other sites

you are not understanding this very well.;)

 

its not to your advantage to state you made contact in 2014 regardless to it being immaterial.

 

not a lot you ned to say

the debt is statute barred.

 

though obv it might be an idea to briefly counter their hart reference that it is not.

 

 

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... 

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