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99' Student loan. Erudio & Drydens Solicitors. Do I have to repay debt? County Court Threat.


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Hi,

I wondered if anyone could advise on this.

 

I have read similar articles on here but find it very difficult to follow threads.

'Am quite muddled with this so will just state the facts as I come across them.

 

I have a 1999 Erudio student loan which I understand should be written off in 2024.

I did opt to repay £30/mon back in Aug 2018 but left work shortly afterwards and I applied to defer (with evidence) in April 2020 sending a letter as advised on CAG stating that I did not accept their November 2019 termination of the agreement.

Should I follow through with contacting the Financial Ombudsman as I threatened in my letter? 

 

I received a letter on 9th Nov 2020 from Drydens Fairfax Solicitors (Erudio transferred management of the account to Drydens 3/11/20) stating I owe £628 and threatening a County Court Judgement if I don't provide proposals to repay or respond. Letter includes personal expenditure 'financial questionnaire' and a reply form with options (agree I owe, agree I owe some, dispute debt, I will pay, I won't pay, I'm getting advice) . 

 

Could anyone advise what I should do?

My application to defer I think was rejected on the grounds that the owed money was from a previous undeferred time period. 

 

Any help much appreciated. 

 

 

 

 

 

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Subject access requests ( SAR ) to SLC and Erudio to get hold of your data records might be next step .

 

SAR might be helpful in answering questions you.

We could do with some help from you.

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you mean you have a letter of claim?

 

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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it will be entitled Letter of claim

 

does the reply form look like this:

 

reply form pap.pdf

 

before erudio scammed you into paying 

when was the last deferment form sent to anyone?

 

 

5 hours ago, Crumpet3000 said:

sending a letter as advised on CAG stating that I did not accept their November 2019 termination of the agreement.

 

really? where? i suspect you mean send the old slc deferment form?

seems like you've been entering into pointless letter tennis without coming here first!...and drydens smell a mug to fund their xmas party drinks bill on your free money as they have already spoofed you into paying before....

 

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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3 hours ago, Crumpet3000 said:

I have a 1999 Erudio student loan which I understand should be written off in 2024.

 

It won't be written off if you are behind on any payments or have not deferred correcty so unless you can successfully challenge termination of the agreement in November 2019, it will never be written off.

 

The Education (Student Loans) Regulations 1998, Schedule 2, paragraph 12:

 

"12.  The lender will cancel the borrower’s liability to repay the loan if the borrower—

 

(a)dies,

 

(b)is not behind on any repayments under any agreement for a student loan and—

(i)was under the age of 40 when his last agreement for a student loan was made and he reaches the age of 50 or when the last agreement for a student loan has been outstanding for not less than 25 years, whichever is the sooner, or

(ii)was aged 40 or older when his last agreement for a student loan was made and he reaches the age of 60, or

 

(c)if the borrower can show the lender that he gets a disability related benefit and because of his disability is permanently unfit for work."

 

https://www.legislation.gov.uk/uksi/1998/211/schedule/2/made

 

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Could have already been sb'd depending on last deferment to slc...

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

Hi DX. Sorry, yes I do have a letter of claim from Drydens and the form does look like the one you attached. 

What does this mean? 

 

Ok Will Goodfellow. Thank-you. 

I don't know if the repayments I am behind on are legitimate or not. That's what i was hoping to find out on here. 

 

 

I applied to defer on April 2020 

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Last before then?

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

did you ever defer to erudio since they bought the debt?
 

go up onto the SLC Webportal you should still be able to log in

have a look at what is there

 

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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Share on other sites

ok good

get the info monday and we'll move you fwd.

 

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...

Well, I've heard back from the financial ombudsmen concerning my Erudio complaint. They have contacted Erudio who should be in touch with me soon.  The Ombudsmen didn't indicate what they sent to Erudio. 

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how are the SAR s progressing?

 

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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Share on other sites

Sorry. Yes, I see from an earlier message from Uncle Bulagia. I didn't pursue this. It didn't seem a popular idea. On SLC website, I couldn't see info back that far. 

 

The Ombudsman email states that Erudio 'have a chance to put things right for me first' which hopefully means F.O. will step in if Erudio don't behave. 

Edited by Crumpet3000
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On 06/12/2020 at 10:54, unclebulgaria67 said:

Subject access requests ( SAR ) to SLC and Erudio to get hold of your data records might be next step .

 

SAR might be helpful in answering questions you.

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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Share on other sites

id rather you also scan up the fos reply too.

 

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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Share on other sites

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