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Student Loan & Capquest


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Hello,

I have a mortgage style student loan which began in 1997.

My course finished in 2000 and from what I can remember I deferred no more than 3 times before I moved away and had no contact since.

this would have been 2003 at the latest.

 

Capquest is now chasing me for the debt.

I sent a statute-barred letter but they have replied saying the debt isn't statute-barred as it only defaulted in 2017.

I would like advice on how to proceed, please?

I would have thought the cause of action' would start 12 months after the last deferment

I spoke to the National Debt Helpline, but they advised me to get legal advice before I respond

 

From what I understand SLC sold the student loans around 2014 to Erudio?

What I do know is that Erudio defaulted me in Jan 2017 (according to Capquest)

I have not receive a CCJ in the past for this.

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Hi and Welcome to the Forum.

 

I have moved your topic to the relevant forum  Student loans/SLC  Please continue to post here to your topic..

 

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 OTHERS

 

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

 

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Hi,

 

Ignore powerless Capquest.  Send an SAR to Erudio. This will show everything that you need to know and will expose any untruths.

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 OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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

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the Gov't sold all mortgage style loans to the Arrows Group of companies (erudio, capquest etc etc are trading names) in 2013

you last deferred more than 6yrs ago so they are statute barred

 

the defaulted date is immaterial and capquest know this but think one more letter might scam you.

 

there have been no successful court wins by the group regarding this issue.

 

they have your correct address now, so you've protected against a backdoor CCJ.

 

all you need to do.

 

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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pers i'd send nothing and do nothing.

 

it only gives them a sense of grandeur.

 

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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Oh cool, never knew that. Ignore Capquest then. I still have Capquest sending me ridiculous texts despite  being more than  a year Statute Barred now. I just ignore them!

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 OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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

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  • 2 weeks later...

I will keep this thread updated when anything changes.  

 

I have received an e-mail from Capquest offering a settlement figure.  They didn't state what that firgure was though, just for me to get in touch

 

I will ignore.

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Good plan. Capquest don't care if it's statute barred, they will keep sending you inane Emails, letters and texts until the heat death of the universe. Pay them no heed!

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 OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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

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