Erudio debt management

[Secretsquirrel19]

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 . 
 

[Bazooka Boo]

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?

 

 

[dx100uk]

yep last deferment date please?

 

 

[Secretsquirrel19]

Hi, I last deferred in 2016. 
 

thanks 

[dx100uk]

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

 

[Secretsquirrel19]

It was a letter telling me to pay the full amount in 5 days and enclosing a form where I was to put all my incoming and outgoings should I be unable to pay it all at once 

[dx100uk]

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

 

 

 

 

[Secretsquirrel19]

Does this work? 

 

 

I think I’ve done it ... sorry for delay, I required assistance

SS Letter Oct 2020-1.pdf

[dx100uk]

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

 

[Secretsquirrel19]

Ok, thank you . Is there a point at which that changes ? Can they take me to court? 
 

thanks 

[dx100uk]

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.

[Secretsquirrel19]

Ok thanks, feels so counter intuitive to confirm they found me - will read some more threads 

 

thanks 

[dx100uk]

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

[Secretsquirrel19]

And would a back door CCJ at an address where I don’t live and in a name I don’t use affect me ? Bearing in mind I have no alias on my credit file ? 

[dx100uk]

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

CCJ's are not against an address.

 

 

[Secretsquirrel19]

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 

[dx100uk]

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

 

[Secretsquirrel19]

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 

[dx100uk]

click letter of claim

follow post 2

 

dx

 

[Secretsquirrel19]

Hi

i am completing my letter of claim and have ticked box D answer I. So, I also send a CCA request - do I make this under section 77? Which one is student loan under ? 
 

thanks 

 

[dx100uk]

read all the posts in the CCA link