Backdoor Erudio/Drydens CCJ - SLC Loan - now poss Bailiff Warrant issued?

[swanlot]

Hoping for some advice on how to tackle this.

 

I have a CCJ issued against me for what Erudio say is an upaid student loan debt

(I've never earned above their income threshold for repayments to be due) and have since received notice they've applied for a bailiff warrant.

 

Obviously I won't be opening the door to any such characters

but what is my best course of action,

to file a N245 form,

contact them directly

or something else?

 

Any help appreciated

[unclebulgaria67]

So have you moved address, without deferring the loans ? So they issued the court claim to old address and got CCJ by default as you could not defend.

 

What years are the student loans from ?

 

When did you last defer ?

 

 

[swanlot]

The years are from '97 to '99, last deferred 3 or 4 years ago I believe but they seemingly lost the paperwork. CCJ is on my current address but was obtained by default. I never actually graduated and as I say have never earned above their income threshold for repayments.

 

Thanks for the reply

[dx100uk]

so you ignored the court papers?

and did defer to erudio since 2013, was it excepted?

 

dx

 

[swanlot]

Pretty sure I have successfully deferred since 2013 yes

 

Communication from them has been sporadic at best, suffering from anxiety and depression and having other issues on my plate meant I was unable to deal with court papers at the time of issue.

Hence here we are.

Thanks again for the reply

[AndyOrch]

What date was the judgment ?

[swanlot]

November 2018

[AndyOrch]

And your not looking to set a side.....simply accepting judgment and wish to get a formal payment in place and suspend the warrant ?

[swanlot]

If it's possible to set aside that would be my preferred option.

 

The debt is several thousand pounds which I simply cannot afford to pay given my current income and virtually no savings.

 

The thought of being locked into paying this off despite not earning near the income threshold and unlikely to do so in future has honestly left me feeling extremely low.

 

I know now I should've been more attentive to previous letters but trying to deal with it now as best I can

[dx100uk]

for a set aside you need to satisfy two tests:

 

one.. a reason to set aside the judgement..i can't see one, you ignored the court claimform and I suspect the letter of claim and all previous letters.

two: a reason why you don't owe what is claimed in the original particulars of claim.

there is a possible answer to this by having not earned over the threshold

 

excuse my asking ...but how old are you?

 

dx

 

[swanlot]

I'm 41

 

So I will need to agree a repayment plan to stop the bailiff action? What is the best way to do this and can the debt amount be reduced?

Edited January 21, 2020 by swanlot

[AndyOrch]

File an N245..fee is £50...you cant reduce the judgment amount.

 

 

 

Andy