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    • hi all. bit of advice please. I had a Three contract up until November last year. At £11pcm for 24mths. Paid every month on time via their online portal. When I ported over, I received a letter from Three thanking me for being a customer blah blah blah.. It also said IF I owed anything a final bill will be sent. No final bill ever received - I get a phone call around the first week in December form an Indian sounding man who was extremly difficult to understand. Said he was calling from Three, and wanted me to confirm my details - something of which I didnt as something didnt sit right. He said I could log into my account and review my bill as I owed money and then hung up. After the call I thought I'd best log into my account just in case.  Couldnt log in. Account access denied. Logged on to chat - they said as I ported over and I was no longer a customer my access was suspended. Couple of weeks later I had another call from a local area number and answered again it was some Indian guy telling me I owed money, wanting me to confirm details. I refused and he said details will be sent out to me to my email on account and my home address as it was important. Once again nothing.. 15th Dec I received an email from PastDue in my name RE Three. Email stated they were contacting me about Three an I should receive a letter soon regards to this matter. Says about visiting their website.  22nd Jan another email form Pastdue. Stating they have yet to receive a response to the letter, and they had already sent me an email about this. We will continue to contact you until this matter is resolved. Again asks me to login. 23rd Jan letter received dated 13th Jan. Titled "We are here to help keep your Three Services"  Claiming I owed "Airetime Balance £201.43" and contract period was 26/11/2019 to 25/11/2020 States "We have been appointed by Three to recover the amount of £201.43. If you pay this amount in full Three may be able to waive the cancellation fee and reconnect their service for you" - what cancellation fee / re connection??? I ended the contract giving the 30days notice and paying the last bill.. Then the normal crap about its important to pay. If I'm experiencing difficulties etc. Now both December and  January Credit reports from ClearScore, Credit Karma, Credit Expert, Totally Money and Equifax all show Three as Closed and balance as Zero. (Date Satisfied /closed 17th Nov, bal 0, last updated 30th Nov) I've had nothing from Three. As far as I'm concerned I owe nothing as no final bill and no access to the portal. Should I email PastDue and do a prove it & attach proof of Credit Reports being £0 or do I do something else?  
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Student Finance England Reject new application telling me to go pay Erudio on an SB'd SLC debt!


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I must withdraw from the course as Student Finance England will not fund my second degree which is an exception degree.

For I been told of an outstanding debt that I had no idea existed, which was sold to a third party from my original degree.

 

SFE told me that there no outstanding debt when doing my application but now informed me that they sold half my loan to a private company that put a block on my account.  I tried explaining that I never earn over the threshold so no payment was due, which sfe agreed but they say they can do nothing about the block on my account by Erudio. 

 

I rang Erudio to explain but they said will only remove if I fully pay even though I am under no legal obligation as I never earn the threshold, plus I cannot afford 8070 pounds. 

 

I spent hours telephoning looking for a solution with no luck, I contacted Student loans England, Student Finance England, the University credit and finance but no luck in finding a solution. But I really see a solution being found as I don't want to liable for course fees as I can't afford them without SFE loan. 

 

What makes it worse is the university stringed me along even though I phoned them on 28/10/2020 and raised this as a concern that finance not been received and she assured me the cut off point was 18/11/2020, I received my decision on 21/11/2020 i immediately withdrew from the course. 

 

when I rang the university to explain that these are circumstances out of my control,  and its not like I don't want to continue the degree there no finance she said well we charge you 2250 pounds because you two days over the cut off point. I told look at system notes I already telephone with concern and now they sending me invoices, totally stressed made appointment with Student union adviser I find it amazing they try to take advantage of me in this way.  If anyone has any advice please I would very much appreciate it.    

 

Just add I rang erudio whom informed me the debt was Stature barred in 2010 and they bought loan in 2015, and they only remove if I pay it in full which I cannot afford, this reason I have drop out. 

 

On my SLC loan every if up to date and there no outstanding balance there deferment till 2005 and then gap in 2018 it says   

Annual Unmatched customers/oversees/Not eligible to repay statement. 

 

I did move address erudio had my old address but slc had my new address. 

 

the lady said that since I did not fill in my deferment regardless if I can prove I never earn over the threshold that the debt had been statue barred, 

 

If anyone can tell how I handle the university whom going after for a whole term payment just cos I was two days over the tutor said she allow my withdrawal from the 18th but I don't know how the university will act.    

 

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your story is a wee bit confusing..

 

if the org SLC loan is now statute barred then it should be removed from your file.

 

erudio are a debt collection agency, do NOT pay them even if they say will remove the block to allow you to now continue your education.

 

as for the last fee, that's not fair either.

 

is this where you are at?

 

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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yes meeting tomorrow with student union finance advisor . 

 

What I read on here Student Loans Company /Student Finance England wont remove statue bar from record it will always remain till i paid that's what agent from student finance England said hence why my application for new finance rejected. 

 

erudio which brought part of the loan is the one that is statue barred not SLC one that one is fine and no payment outstanding.

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su adviser should be able to sort this out.

the debt is statute barred and yes ...as the Original creditor was SLC it will not remove it from Their books, however, it should not be showing on your record now.

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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its not showing on credit report. 

I show what they send me in letter when reject my application. 

I copy without my details below 

 

Dear  

 

Assessment of Application for Student Finance Academic Year 2020/21

 

We have considered your application and based on the information provided, you are not eligible to receive student finance because: •

You have arrears on a previous Student Loan.

The Regulations which govern how student finance is provided say that we cannot consider any student eligible to receive student finance if he or she is behind with repayments on an existing student loan.

 

If you have a Mortgage Style (MS) loan, please call your debt owner on the telephone number shown on the most recent correspondence that you have received from them. If you don’t know who your debt owner is, please go to www.gov.uk/repaying-your-student-loan for more information. If you have any Income Contingent Repayment (ICR) loans, please call 0300 100 0611 for advice. If you require more information about student finance visit www.gov.uk/studentfinance

Yours sincerely Student Finance England

 

This is what they replied when rejecting my application. 

 

So even though the debt been sold to erudio they will keep rejecting any new application. 

I have also Loan with SLC which is completely fine.

 

just add sorry it not on my statement

not on anything like that

but it been used block my new application by student loans even though it been sold. 

I had no idea to be honest at all it even existed as i still had slc finance and that showed as okay. 

 

Now i am more worried about the university try charge me 2250 pounds for being two days over the deadline, as soon as I was reject i withdrew from the course as I did quick research and noticed it be long process to even try and overturn decision. 

 

My tutor will sign me off on the deadline hopefully just the lady in credit control was saying does not matter two days over has me worried.  

Edited by Naruto
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1 hour ago, Naruto said:

You have arrears on a previous Student Loan.

 

you do NOT have any arrears on a previous loan.

that loan is Statute Barred.

 

you need to WRITE to Student Finance England and tell them this

STOP using the phone.

 

you also need to pull them up about telling people to blindly go ring the owner of the supposed debt and settle it

THAT IS WRONG .

 

show this thread to the SU adviser tomorrow 

i would really like him to read how wrong these people are demanding that you pay a statute barred loan to a debt collector !!

 

 

 

 

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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will do. 

Yeah was advised four times we will only proceed with your application if your pay the outstanding debt otherwise your new application will not be considered for student finance. 

 

That was student finance england even though the debt is with erudio. 

They said ring them up and pay debt then they will remove block from system and we can proceed reviewing your application again otherwise no finance from us as show outstanding debt.  Which i found weird how it outstanding if its statue barred.

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Erudio said it was SB'd...do you have this in writing.

and when did you last defer it? i will assume it was obviously before 2013 as that is when the Gov't sold them off.

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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Share on other sites
  • dx100uk changed the title to Student Finance England Reject new application telling me to go pay Erudio on an SB'd SLC debt!

last deferment was 2005 after that nothing till 2018 from SLC which had letter Annual Unmatched customers/oversees/Not eligible to repay statement this also for 2019. 

 

As i said earlier i din'td even know that eudio had brought my first loan. 

The 2005 loan still with SLC which is fine not in arrears as I never earn over threshold. 

 

The eudio loan had been stature barred in 2010 from what the erudio adviser told me.

I am sure she said they brought in 2015 maybe wrong can't remember completely.

 

I changed address and  went back to parents home and eudio was sending on old address but SLC had my original address 

 

what confuses me if loan was stature barred in 2010 why erudio saying they tried writing to me, as when the brought it was already stature barred 

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yes thats what i was eluding too earlier

an SB debt is still owed to the Original Creditor it just means they cant use court to do anything with it.

it's still on their books even though sold.

 

now if you could get erudio to state its dead and written off from their behalf and send that to SLC, then that should sort it i think

like the Thesis/link situation there

 

 

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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hi

 

thats the problem erudio never admit that they just stick with its stature barred and if want us to remove it you have pay it off otherwise will remain.  its like  a black mail tool for them plus they're not under obligation to write it off. 

 

also you mention they like debt collectors they no chance they write it off lol. 

I really appreciate the reply you sent help a lot to clear some of my misunderstandings. 

 

I let you know what happens with my meeting tomorrow with su. 

 stature barred by one company erudio and blocked by sfe who want me to pay it even though they know its stature barred its crazy lol

 

Hi

 

I talk the fanatic Student Union Adviser he said h reach out see if other colleagues come across same situation for the time being I have withdrawn from my degree 

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  • 4 weeks later...

and?

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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Hi

Just a thought, but are they still permitted to share the data after such a long time?

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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No reply from student union rep, but my own research show that regardless once status barred SFE can hold on record till cleared and can be used to decline new application till Eurido  remove.  On a positive note the University decided not to charge me.

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