Backdoor Erudio CCJ - Now Warrant of control for unpaid Student Loans

[XYZ123XYZ]

Hello, 

I would like to seek advice on a warrant of control that I received yesterday requesting the payment of over £6.5k.

I do not believe I have received information regarding a CCJ and the last time I was in contact with SLC was around 2010 I think.

 

Feeling very stressed and anxious having become a new mum in the last year and just need some advice on what to do for the best.

Do not want bailiffs turning up and scaring me half to death.

 

I have moved several times and lost contact over the years.

However the control warrant has been sent to my current address and has my maiden name on it.

 

Please help and thank you in advance.

[unclebulgaria67]

Suggest phoning the Northants Bulk centre who deal with Court claims made online, to ask them for all of the information regarding the CCJ that has been obtained.  They should tell you the date it was applied for, what address the claim form was issued to, what the particulars of claim were and the date the CCJ was granted. They may be able to email you the details.

 

When did you last pay anything towards the student loan or defer repayment ?

 

The Enforcement Officers cannot break into your home, but they can look for items you own outside.  So you will have to be careful with Cars, Motorcycles parked near the property where you live.  So you might want to take care, while this is being resolved.  Never invite them into your home, as that will give them permission to enter again, if needed by any means.  

 

Come back to us, once you have the CCJ details.

[XYZ123XYZ]

Thank you. I think the last time I deferred was 2009 or 2010. 

[unclebulgaria67]

Phone the Northants Bulk Court on Monday and come back to us.

[dx100uk]

retitled and moved to financial legal issues.

 

follow this this thread:

 

and as advised 

comeback to us Monday with the details 

par chance.. is this a newlyns bailiff letter?

 

[XYZ123XYZ]

Thank you I'll do that.

 

The letter has come from the County Court Business Centre.

[XYZ123XYZ]

Hi everyone

, its taken me a while to phone northants bulk with all the craziness that's going on with coronavirus at the moment. 

 

They said a CCJ was filed in November 2018 and was sent to my current address. I didn't receive it but it's not looking good is it.T

 

They have sent me two lots of forms, one to try and set aside, the other to look a paying in installments.

 

I'm not sure what to do as I'm meant to do something by 24th March which doesn't give me much time.

 

I'm also isolating with my husband we're both trying to work from home with a one year old.

 

Is the current crisis grounds for more time to sort this out?

 

Thanks for any help or advice you may have.

[dx100uk]

Particular s of claim please

And

claimform issuance date?

 

makes no odds if it was sent correctly

if youve never deferred since 2009/10 it was already statute barredread that thread

[XYZ123XYZ]

This is what they sent to me and said the claim was issued November 2018:

 

Claimant: ERUDIO STUDENT LOANS LIMITED

 

Claimant solicitor: DRYDENS LIMITED (1788)

 

Telephone: 0113 8233377

 

Reference: xxxxxx

 

Judgment amount: £6416.01

 

Particulars of claim:

1. THE CLAIM IS FOR THE SUM OF £6,386.01 IN RESPECT OF MONIES OWING BY THE DEFENDANT ON A CREDIT AGREEMENT HELD BY THE DEFENDANT WITH STUDENT LOANS COMPANY UNDER ACCOUNT NUMBER xxxxxxxx UPON WHICH THE DEFENDANT FAILED TO MAINTAIN PAYMENTS.

 

2. A DEFAULT NOTICE WAS SERVED UPON THE DEFENDANT AND HAS NOT BEEN COMPLIED WITH.

 

3. THE BALANCE OWED WAS ASSIGNED FROM STUDENT LOANS COMPANY TO THE CLAIMANT, AND THE DEFENDANT HAS BEEN NOTIFIED OF THE ASSIGNMENT BY LETTER. CONTACT DRYDENSFAIRFAX SOLICITORS ON 0113 823 3402

[dx100uk]

Good all std.

 

Phone up drydens tomorrow

Quote the ccj number

demand they set aside the ccj by mutual consent free of charge to you as the debt was already statute barred upon issuance of the claim.

 

if they refuse then tell them you will filling to set aside the ccj as the debt was statute barred and that you will sue them for the £255 fee and all other costs for faising the n244 and financial compensation for the damage done to your credit worthiness.

 

Dx

[XYZ123XYZ]

Thank you I'll do that and come back to report what happened.

[XYZ123XYZ]

Hi I have phoned and they said that statute barred won't apply as the loan defaulted in July 2016 and the CCJ was issued December 2018. It seems my only option is to do an income expenditure and work out a payment plan.

[dx100uk]

oh dear, trying to pull the ole sb runs from defaulted date stunt are they .

well no that's not true as a defaulted date of july 2016 is wrong.

 

for the time you last deferred the ICO rules were that a debt must be defaulted between 3 - 6mts of the cause of action

that would have been the time when you last deferred and wrote to SLC doing so.

 

if you wish, ring SLC or if you can still get on the SLC Portal check when that was ...2009 you say was it?

 

dx

 

[XYZ123XYZ]

They are saying that there was a payment made in 2011. This must have been taken automatically from my account as I don't recall it.

[dx100uk]

who are they?

 

 

[XYZ123XYZ]

Sorry...Drydens

[dx100uk]

don't believe a word the fleecers say

they LIE esp on the phone

 

the loans were not sold till 2013

so if you did pay it would have been to SLC

go ring them and findout or use the SLC webportal if you still have access

many find they do.

 

how many payments?

when

what was the source (I'E PAYE as you were earning over the threshold?

 

dx

 

[XYZ123XYZ]

Thank you I'll give SLC a call and see what I can find out.

 

How am I with time on this?

The control warrant says payment by 24th March.

 

Ultimately it is my fault for not continuing to defer payment all those years ago which Drydens reminded me of.

They didn't have my current address on file, but then did seem to find it as it had been changed back to an old one in September 2018...strange?!

 

Do you know of any successes with this?

I feel it's hard to fight your case on the phone when you don't have the legal know how

[dx100uk]

you don't need legal know who

you just need the correct facts.

 

don't listen to anything the fleecers or their dogs say on the phone seriously.

you must remember they are only interested in payment

they seriously will say anything as its over the phone and as most people don't ever record their calls

they can say what they like to sc@m people out of money.

which they would never state in a letter as they'd get seriously fined for saying it by the relevant authorities.

 

as for the 'bailiff' deadline.

again read back what has been said here

there is no right of forced entry on consumer debt at all.

 

they'll pass it back to the claimant when they are unsuccessful

 

even if it does turn out you have paid, so negated the SB status there are ways to deal with it through the courts so a small repayment can be given and you get protection from any further grief.

 

dx