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Erudio/Drydens Claimform - old SLC Loans - not defered since Erudio took over

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Name of the Claimant ? Erudio Student Loans

 

Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to.27.02.20 

(Have applied for 14 days to submit defence, so deadline 31.03.20)

 

Particulars of Claim

 

What is the claim for – 

 

  1. The Claimant claims £2,500. for monies due from the Defendant.

  2. This debt was pursuant to a regulated agreement(s) between the Defendant and The Student Loans Company Limited. Each agreement had an individual account number as follows: xxxx xxxx xxxx 

  3. The Defendant failed to make payments as per the terms resulting in the agreement(s)being terminated. Notice of such is served by a Default or Termination Notice subject to the terms of the agreement(s).

  4. The debt was assigned to the Claimant on 22/11/2013, with a notice provided to the Defendant. A new master reference number xxxxx was also applied upon assignment.

  5. The Claimant has complied with the Pre-Action Protocol for Debt Claims.

 

 

 

What is the total value of the claim? £2,500

 

Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes

 

Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes

 

Did you inform the claimant of your change of address? Yes

 

Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Student Loan

 

When did you enter into the original agreement before or after April 2007 ? Before, 1996

 

Do you recall how you entered into the agreement...On line /In branch/By post ? No

 

Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? No

 

Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser

 

Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes

 

Did you receive a Default Notice from the original creditor? No

 

Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes, I believe so

 

Why did you cease payments? In deferment/earning below deferment threshold

 

What was the date of your last payment? Pre 2013

 

Was there a dispute with the original creditor that remains unresolved? No

 

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan?  No

 

Hello

 

I am looking for some advice regarding mortgage style student loans from the SLC. 

 

It was in deferment until Erudio took over the accounts in Sept 2014. I have never earned above the repayment threshold.

 

Since then, I ignored their deferment forms, subsequently had lots of backdated ‘Remedy of Account’ notices, letter saying account had ‘matured’, then transfer of account to Capquest (with discount offer), and now Drydens, with a subsequent County Court Claim form. 

 

I have only just found this site. The deadline to submit a defence is 31.03.20.

 

I am rapidly reading the advice and similar posts on this site in order to hopefully submit a defence, but is it now too late to bother sending the CCA to Erudio and CPR 31:14 to the solicitors? 

 

Thank you in advance for any help offered. 

 

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if you have never deferred to Erudio then the debt, as with most of these erudio/Dryden claims is statute barred.

don't bother with CCA/CPR

simple file our SB defence on MCOL now

 

The following defence is all you need if it is SB

 

 1 The Claimant's claim was issued on (insert date).

 2 The Defendant contends that the Claimant's claim so issued is a claim in contract and is statute barred pursuant to the provisions of section 5 of the limitation act 1980. 
.
If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any cause of action for breach accrued for the benefit of the Claimant.
.
 3 The Claimant's claim to be entitled to payment of £[insert figure from their POC]  or any other sum, or relief of any kind is denied.
..
..ends..


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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Thank you for your help dx.

 

I've just unearthed an email asking for a deferment form (that was never returned to them) a few months inside the 6 years. Would this amount to written acknowledgement of the debt? Is this still SB?

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nope, the date of your last deferment letter direct to slc is when the clock starts

 

 


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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OK thanks again, much appreciated.

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