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    • Great thanks! I have refined it -    ‘Dear Prosecutions Manager,   I would first of all like to start my response by saying how deeply sorry I am. I realise my actions were wrong and it is in no way representative of how much respect I have for Southeastern and their staff.  I am remorseful about the poor decision I have made. I’d like to try and explain my circumstances at the time I evaded my fare. I have recently returned to work but I have been on reduced pay for a while due to COVID-19 which led to me committing the incident mentioned. Additionally, I have been under stress as both my parents have been diagnosed with long term illnesses during the pandemic and I have been concerned about travelling and exposing them to COVID-19. Although I don’t live with them, they have been reliant on me during the pandemic to collect shopping, medication and support them throughout hospital and doctor’s appointments. The extra pressure has taken a toll on my mental health and I have consequently made a careless choice. I was so ashamed of myself when I was stopped by the Revenue Protection Officer and since then, I have ensured I have paid full fare for every journey I have made. The consequences of my actions have weighed heavily on my mind since. I am concerned that a possible prosecution would ruin any future employment opportunities and I would really like to settle this out of court with a contribution towards the administration costs as compensation for my actions. I am regretful of the extra pressure and inconvenience caused to all involved and would like to make amends.. I’d like to end this letter by saying that I understand the gravity of my actions and will never travel without a valid ticket in future. I thank you for taking the time to read my response and I appreciate any leniency you can show in this matter.’
    • Hopefully this has done it, thank you for your help   Evergreens.pdf
    • In 2016 my business was subject to a fraud regarding a Rolex watch which we had taken in as part exchange from a local and well known customer. We took his steel Rolex and he paid a few thousand £s extra and bought a pre owned gold one from us.  Having bought his watch, part of the deal was we would not sell it until he returned from over wintering  in Australia after a few months. Upon his return he was planning to either part exchange the pre owned gold one back and buy a brand new version of it,  or he might like to simply  buy his original one back.  The watch therefore sat in my safe for nearly a year. At which point we attempted to contact the customer only to find his obituary. He was ill before he travelled so we suspect he knew he might not return.   It was a few weeks before Christmas so we put his (which was now ours) watch in the window (as it was) to sell and sold it within a few days. Had it not sold before Christmas we  would have sent it to Rolex for service and refurbishment, and subsequently offer it for a higher price in the spring (Rolex would also have identified it as fake). Two years later the customer that bought the watch returned it quite upset after he had sent it to a national watch buyer to sell, but was told it was a high end counterfeit (ie not your $20 Chinese throwaway, but one purposely manufactured to deceive).   After some checking ourselves, we refunded the customer and spoke with our insurers.   Our business insurance provided all risks cover with a few exclusions (terrorism etc) and was a very well known policy that many/most UK retail jewellers take up. Indeed we had held the policy for many years.  Fraud is an insured risk.   It is my view that a customer selling us a fake watch is a fraud. The broker enquired with underwriters and they have said it is not covered. I am not satisfied and have asked the broker to send me the wording of the policy so I can read the exclusions. I am told they have searched their archive but cannot find the policy so cannot send it to me. They have asked me if I have my copy? I haven't found my policy document either and fear I threw it away upon renewal. But wonder, if I do keep looking, whether it would be a good tactic to let them have my copy. We have been renovating the house for a year and the attic is absolutely chock a block with stuff, a thorough search through the old books would take a week or more.  I have suggested if they cannot find the wording sold with my policy they should settle the claim. Clearly they cannot reject the claim without the wording? It sounds odd to me that they even need to retrieve the policy to find the wording.    I am quite certain a claim for fraud is an insured risk. I guess somebody has to judge whether the transaction was fraudulent first though. I am quite happy to issue a summons if the insurers reject my claim by trying to suggest the risk was not covered (unless it obviously isn't), which is why we need the wording.   Comments and a strategy would be very useful to understand whether or how to proceed. The claim is for £3500.
    • So let’s say you won’t get more than 1 hour for lunch, so 48Hr/wk is your paid hours. That gives you 2496Hrs/yr at £20k yours hourly rate is £8.01/Hr.    if you are 21 or 22 you should be on £8.36 23 or over takes you to £8.91   so unless you are younger than 21 you are below minimum wage and they are breaking the law if those are the hours you are contracted for. 
    • you read UPLOAD use jpg to redact then convert and merge to PDF.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
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Erudio debt management


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Early 90s student loan - SLC. Sold to Erudio . Deferred every year for 23 years.

Then Erudio didn’t send me a referral form the next year.

I rang and they eventually did.

 

The following year I had moved house ,  again no forwarded deferral form came (I had that Royal Mail  forwarding thing in place )

I rang them again and was told I didn’t have an account with them so had no need to defer.  

The man on the phone checked twice and then told me to ring Honors loans to see if I was with them .

I naively thought as it was around 25 years since the first loan was up maybe they had written them all off, I also thought great . 


Fast forward 2 years ish - Erudio start sending me full amount demands (sent onto me by the people at my previous address) and BTW now your loan is not eligible to be written off due to age or longevity as you are in arrears . By then I am furious, upset  and feeling conned.

 

I went to ombudsmen but because I couldn’t prove I made the call (I had free calls at that time and they only kept records of those that incurred a cost - also I had 141’d before I rang them) and erudio couldn’t find their record ... I was therefore not successful.  I clearly remember the call and I absolutely made it.

 So next I did the stupid thing ... They didn’t have my address , they didn’t have my up to date name , they didn’t have any bank account details so I did nothing, didn’t pay anything and seethed. Silence reigned for approx 4 years . 

 

Next I receive a letter to my correct address but still an incorrect (old) name, from both Erudio and Drydensfairfax solicitors asking for a large amount of money and a date by which I must provide this. This date has now just passed. 

 

Do I respond or ignore ?

I can find no links on any of my credit reports to the name I have now and the name they have.  

They do though have my address , I have no idea how, I assume it was from the people who live at my last address).

 

Am I really going to have to make an instalment plan to pay these people who I feel conned me into defaulting on this loan.

I never and still do not earn the amount required to start payments . 


Do I put my hands up and send them a request for the original credit agreement and then open myself up to whatever they do next ? or do I imagine they are still fishing ? As I am sure many others are I am finding this shockingly stressful, both the monetary concerns and just the absolute unfairness of the whole system !!

 

Please advise . 
 

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What year did you last defer payment?

 

Stay OFF the phone from now on, as you have found out to your cost, unless you have everything in writing you have absolutely no evidence, unless you are able to record your calls?

 

Deferring payment ''could'' be seen as acknowledgement of the deb, so when exactly was this?

 

Have you ever written to them acknowledging this debt at all?

 

 

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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yep last deferment date please?

 

 

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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ok so not SB's then

 

is this a letter of claim with a reply pack or just a std threat-o-gram please

 

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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can you scan just the letter to PDF please just to be sure

read upload carefully.

 

but safe to say you won't be paying anything

 

 

 

 

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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thst not a letter of claim 

its just a std threat-o-gram that DCA's send out either themselves or get their dogs to do it.

 

erudio are arrows DCA in sheeps clothing

no dca are bailiffs

and have 

zero legal powers on any debt no matter what oy's type.

 

let it run.

 

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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ok well TBH you've blindly been following their lead some of which has done you no favours in a way

but

it's better you understand the complete picture.

 

there are 100's of threads here 

the more you read the stronger we become

thats far better than simply telling you 

so what if they do issue a court claim....as you won't understand why i say that.

 

a dca has no more powers than you or i

anyone can issue a speculative claim against anyone if they think they are owed money

 

the reason why you have that letter is because they don't have your correct address in WRITING from you.

they are hoping it too gets ignored and they might issue a request for northants bulk to raise a claim against you using the last informed address to them or SLC you did in writing

 

hoping for a default undefended rubberstamped judgement where no human is involved and nothing is checked - a roboclaim.

 

having re read above, i revise my advice.

simple write to drydens

 

re dryden ref number

 

please note my correct address as above

 

thankyou.

 

thats it .

 

then let it run until or unless you get a letter of claim with a reply pack.

that is NOT a court claim. but should be replied too.

 

go read a few threads here in this forum you found on CAG.

get upto speed.

 

then comeback with any questions.

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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you should NEVER run away from debt in this new millennia digital age.

 

that includes debts on your credit file even if they should no longer show

before you know it  backdoor ccj will be attained

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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 if other details match and this is as a result of say a marriage then yes.

CCJ's are not against an address.

 

 

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

thanks for your help, I’ve sent the letter.

I am worried though that I won’t know what to ignore and what to not?

 

Will the notice of claim be marked as such ans can I post back on here if I get one? 


Also- how do I know I haven’t had a CCJ already ?

I just can’t quite understand why they would wait this long ?

thanks 

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On 23/10/2020 at 20:18, dx100uk said:

thst not a letter of claim 

its just a std threat-o-gram that DCA's send out either themselves or get their dogs to do it.

 

erudio are arrows DCA in sheeps clothing

no dca are bailiffs

and have 

zero legal powers on any debt no matter what oy's type.

 

let it run.

 

dx

 

 

On 23/10/2020 at 20:33, dx100uk said:

then let it run until or unless you get a letter of claim with a reply pack.

that is NOT a court claim. but should be replied too.

 

go read a few threads here in this forum you found on CAG.

get upto speed.

 

said it twice now - a letter of claim..click and read

 

fleecers leave things until near SB date so as to wrack up maximum interest they can get on the debt

 

as long as all your debt owner on any debt that you might have used/paid within say the last 7 yrs have in writing been told of your correct and current address, and all of your old addresses are showing on your credit file as linked addresses then you should be ok.

 

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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  • 2 weeks later...

Hello, I have a letter of claim

now, the amounts I owe against each year don’t look right but I can’t be sure as I don’t have any of the original paperwork . Which template do I use from

the letter of claim thread please? And am I disputing or asking for more details ? 
thanks 

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click letter of claim

follow post 2

 

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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  • 2 weeks later...

read all the posts in the CCA link

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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