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    • Hello. So I’ve found this high-end turntable on some Dutch Gumtree equivalent. Seller seemed like a nice guy who's agreed to go through the trouble of posting it to the UK. So I’ve paid with PayPal opting for buyer’s protection. 4 days later I’ve got a phone call that the courier is at the gates to the estate. I've ran to the lift all excited. As I stood waiting for the lift I saw through the window the courier taking out the box and dropping it on its side (it has to be carried horizontally). I hoped it's not my turntable...but it was. When I came down I was upset and asked him why in the world would he drop it on its side when it clearly says ''handle with care'' and there are clear arrows on the box indicating that it has to stay horizontal. All he said was - ''sorry, you can refuse it if you want''. I've told him that I’d like to report this and asked him for a form to do it and asked what the procedure is. Their van was blocking the gate and there were other cars so I’ve asked him to park the van and he just snapped a pic of a parcel on the ground (they don't need a signature because of pandemic), jumped in the van and left... I was just standing there in disbelief. I waited a bit maybe he'll turn around and come back but he didn't, I went onto the app and all I’ve found was that parcel status has changed to 'delivered' and there was a picture of it on the ground uploaded.  Couldn't find any way to report what has happened on their app, apart from leaving a feedback for the driver. Took it home opened the box hoping the damage would be minor. so the acrylic lid (£250) is broken, the tonearm (£1310) has been broken off, the cable (£250) is ripped off, the motor speeds are off, the plinth and the deck have scratches (don't know how to evaluate that).  Phoned dpd- got no reply, went onto their chat system and was told to just send the pictures of the damage to the guy in Netherlands as he has to start the case as he was the one ordering the delivery. The seller has been really cooperative. And after hours on the phone he's got a reply asking him to send photos of the damage and the damage costs which he's done, after two weeks they have send him a form to fill, which he's done and it's been almost 2 weeks since. No reply. It's been really annoying as I’ve spend a lot of money and don't know what the situation is. I have 'PayPal buyer’s protection' but I don't want the guy who's sold it to me to be out of his pocket as it's not his fault that the courier was so incompetent. What are my options? Can I do anything on my part to speed this process up and what would my options be if dpd wouldn't agree to pay the adequate compensation? Thank you
    • What happened BRS, contacted me after the accident and wanted to repair the damage i agreed i told them don't you want to go through the insurance they said no !. I said ok you can repair the damage, they asked me for more details about the damage so they could post the job on mybuilder.com. Anyway i emailed them giving them details of the damage and they never replied and ignored me.   It was only when i done a askmid and got the insurance details of 2 policies running on the vehicle and contacted Allianz the first on the list, BRS contacted me saying sorry for the lack of communication i went on holiday and left it with another staff member who failed to contact you.   BRS offered to say they want to repair the damage i said "NO" you messed me about the first time and now i want the security of going through the insurance.     I did give them one last opportunity under my terms i told them to pay ***** (fair amount)into my account and that would settle the matter and i would sign a agreement that the damages are paid in full. There reply was "that is not how we do things here and to contact their insurance" and conveniently never gave me the insurer responsible.
    • Check this and read about a Notice Of Correction     
    • There can be many reasons for dual insurance, depending on the use of the vehicle, certain hires, contracts etc, - nothing our of the ordinary there, just get the firm to confirm which one, as above don't let them dictate, they are in the wrong.    I would use you own insurers , and always advise this in cases where there is an impact claim for a  wall or similar.    Reason being is the third parties liability is for indemnity only which realistically is to pay for the damaged part of the wall and that only, they don't even have to pay for a builder, just the cost to repair, leaving you to deal and fend for yourself.    Your home  insurance cover will be on a new for old basis, giving further allowance if there any grey areas in regards to block matching, matching items (say for the welding) potential wear and tear contributing etc,    - more chance of getting more of the wall done than just the section that is damaged - plus it gives you a much better right of recourse if anything goes wrong, especially if you get a cash settlement or they use dodgy bob the builder.    Your insurer will want the third party details and will chase the responsible underwriter for their recovery, you may be able to piggy back on that. The reason for their hesitance in confirming about claiming back the XS will be due to the fact they are a home claims team and don't do an awful lot of recovery of losses compared to a motor claims department, and generally don't have as much experience on a day to day basis (or certainly not the front line staff). 
    • Give them time-amoebas are a little short on brain power to work sarcasm out. I wrote a letter similar to yours to Parking Eye and they wrote back to confirm they had received my appeal! 
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RC710

Student loan - Erudio income threshold

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Hello

 

Apologies, I could not see how to post in a student loan topic area. 
 

I wonder if anyone can offer some advice?

 

I took out 4 student loans between 1997 and 2000. They have since been sold to Erudio to manage.  I have never paid anything back, deferred every year due to working part time, earning under the threshold. 
 

My current deferment is due to end in a few days.  

I have, since Feb 2020 been doing additional hours to cover maternity leave.

 

I have a letter from my employer stating that these additional hours cease at the end of Nov 2020.  

So between June 2020 and Nov I will earn over the monthly threshold figure, but below the annual figure from June to June 2021.  

 

I called Erudio to discuss this, and was told that had I just sent my P.60 for the last financial tax year, I would have been able to defer, but my phone call counted as a “disclosure”.

 

I did understand that doing the increased hours would put me over the monthly figure but Erudio also said they go on an annual figure and my husband is about to lose his job, and hence me double checking if there is anything I can do to challenge this? 

I’d appreciate anyone’s thoughts or experience.

 

RC

 

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Never speak to these people over the phone they will say any old rubbish. All communication should be in writing.

 

I would send a letter along the lines of.

 

Dear XYZ

 

I an unable to make any payments because my spouse has just  lost his job due to the Covid 19 pandemic. This means our income has dropped X% and Our family finances are in crisis. Therefore I will be unable to make any payments for the foreseeable future. 

 

Kind Regards

 

RC


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

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I have moved you thread to the slc forum.

 

have a read of a good few erudio threads here.

 

as said above, never ever ring these fleecers

they are a DCA and absolutely zero legal powers to do anything.

 

pers i'd use the SLC original deferment forum you'll find here

https://www.consumeractiongroup.co.uk/forum/257-student-loansslc/

 

if you've given erudio DD details in the past

i'd tell you bank to block them.

 

dx


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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