Jump to content


  • Tweets

  • Posts

    • best to be sure it is a N279. not that they pull any underhand stunts of course   but we have seen it. your bal is now £0 but we'll still attend court as you'll probably not as we've said we've closed the account and we'll get a judgement by default. dx  
    • Sorry, last bit They had ticked that they wanted the application dealt with without a hearing, so is there any relevance that a date and time to attend said hearing has been sent out ?
    • I've not seen it personally but I think that's the letter Dad has had from Overdales. I'll see it tomorrow. It states balance: zero
    • Agreed as you clearly have little faith in your star runners, mind you - I have less - conditional on the welcher clause I defined being part, and that we are talking about the three defined candidates: Tice Farage and Anderson - not anyone anywhere as reform might (outside chance) get someone decent to run somewhere. If any of the three dont run - they count as a loss.   welcher clause. "If either of us loses and doesn't pay - we agree the site admin will change the welchers avatar permanently to a cows ass - specific cows ass avatar chosen by the winner - with veto by site on any too offensive - requiring another to be chosen  (or of course, DP likely allows you can delete your account and all your worthless posts to cheapskate chicken out and we'll just laugh) "
    • This is the full details, note they have made an error (1) in that paragraph 5 stated 14 days before hearing not 7. Surely a company of their size would proof read and shouldn't make basic errors like that 1) The Claimant respectfully applies for an extension of time to comply with paragraph 5 of the Order of Deputy District Judge XXX dated XX March 2024 i.e. the evidence upon which the parties intend to rely shall be filed and served not later than 7-days before the hearing. 2) The Claimant seeks a short extension of time allow them to further and properly investigate data provided to them by Royal Mail which is of importance to the proceedings and determination of the Claim. 3) The Claimant and Royal Mail have an information sharing agreement. Under the agreement, Royal Mail has provided data to the Claimant in respect of the matters forming the basis of these proceedings. The Claimant requires more time to consider this data and reconcile it against their own records. The Claimant may need to seek clarification and assurances from Royal Mail before they can be confident the data is correct and relevant to the proceedings i.e. available to be submitted as evidence. 4) The Claimant's witness is currently out of the office on annual leave and this was not relayed to DWF Law until after the event which has caused a further unfortunate delay. 5) The Court has directed parties to file and serve any evidence upon which they intend to rely not later than 14- days before the hearing i.e. by 4pm on 6 June 2024. Regrettably, the Claimant will have insufficient time to finalise their witness evidence and supporting exhibits as directed. We therefore respectfully apply to extend the time for filing/serving evidence so that the evidence upon which the parties intend to rely by filed and served not later than 7-days before the hearing i.e. by 4pm on 13 June 2024. 6) This application is a pre-emptive one for an extension of time made prior to the expiry of the deadline. In considering the application, the Court is required to exercise its broad case management powers and consider the overriding objective. 7) In circumstances where applications are made in time, the Court should be reticent to refuse reasonable applications for extensions of time which neither imperil hearing dates nor disrupt proceedings, pursuant to Hallam Estates v Baker [2014] EWCA Civ 661. 😎 It is respectfully submitted that the application is made pursuant to the provisions of CPR 3.1(2)(a) and in accordance with the overriding objective to ensure the parties are on an equal footing when presenting their cases to the Court. The requested extension of time does not put the hearing at risk and granting the Application will not be disruptive to the proceedings.   They have asked for extension Because 2) The Claimant requires additional time to consider and reconcile data received from Royal Mail which is relevant to these proceedings against their own data and records in order to submit detailed evidence in support of this Claim.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Erudio/Drydens SLC Loan CCJ - Advice Please - Set a Side claim proceeding.


owk
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 709 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I need them SLC to confirm that, they emailed to say they would keep my paperwork  had on file  - for me to give birth in December and start maternity leave.  My husband posted/ scanned over the new signed deferral form on my behalf to go with the letter from my employer.  This will be hard to prove I guess but he 100% did it. In fact I remember asking him in the hospital - it is clear. 

Link to post
Share on other sites

Evening,

 

Would there be any reason why on Erudio N.O.A my SLC account number is completely different?  I have two other SLC account numbers as for some reason they had a duplicate account for me.. 

 

Is this the new master reference - if so why still call it SLC Account number on the Notice of Assignment ?

 

There is a long Erudio customer reference number on other paperwork, so its not that? 

Link to post
Share on other sites

i've just been through the emails concerning this 

SLC did not indicate they would automictically resubmit your deferment in December 2012, they clearly stated they would simply hold the documents you had sent on file and you would then need re-apply for deferment again, that you did not do as far as i can see, so any payments taken were not taken 'in error'. 

 

as for 'paperwork' issues like that you state above , they can play no part as the CCJ trumps any paperwork wriggles over enforceability.

 

this set aside hearing could fail.

 

 

 

 

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... 

Link to post
Share on other sites

I’m not sure if I can prove this but it was 100 % true. Do you have any advice for me? I had to wait my December payslip - and it was probably faxed over, or posted. There is no way I could have that record now. 

 

Link to post
Share on other sites

so you are indicating a new deferment form was submitted in december ? if so i would expect such evidence to be in the comms log of the SLC SAR.

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... 

Link to post
Share on other sites

I agree it would often be in the comms sections but SLC did/ not do not record all comms and phonecalls.  I have evidence of this. 

 

I have two or three email conversations not recorded on my SAR, and I know during April May 2014 I would have called them trying to find out what was going on and asking who Erudio were etc.. I thought  they were a Link or Thesis and were all just trying to grab what they could. 
 

In May 2014 I must have rang Student Loan Company and it was then they set up a new  DD for what I now know to be Honours Student Loans only and I have a 334.00 payment which I must have believed were the  Erudio arrears leading up to that time. I was probably not even earning the threshold but was pleased to be back on track and not have Erudio on my case. 

 

I seem to remember I thought the Erudio chaos was dying down and SLC were servicing borrowers as before. 

 

I have 36 letters in my Erudio SAR - and nothing from them between  March 2014 - 2016 no statements no letters of arrears just a N.O.A with a dodgy assignment number which is nothing like my Student Loans 2 numbers, and no it wasn't the very long Erudio Master Reference! (Yes SLC  even had a duplicate account for me.) 

 

I think the absence of these letters mean an awful lot of non- compliance during that period by Erudio, I had no idea of my balance or status. 

 

I also have a request to Defer on SLC SAR  2015 with only the Honours Loan on it - so much for shared loans being processed by the SLC. 

 

I will see how I get on next week, I appreciate the interest you have shown, after 12,13 decent years of either payment or deferral with a reasonable company I wasn't expecting the might of Erudio.. I will have to accept my fate I am afraid.. 

 

 

 

Link to post
Share on other sites

11 hours ago, owk said:

I have two or three email conversations not recorded on my SAR,

you mean

 

 

SLC EMail.pdf

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... 

Link to post
Share on other sites

Might be best we see them?

 

what day are you in court or is it zoom/phone

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... 

Link to post
Share on other sites

let us know how you get on eitherway.

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... 

Link to post
Share on other sites

Yes of course. I was  in touch with SLC yesterday  they have confirmed they have an open investigation running due to duplicate accounts and errors - they said the judge can call them! Not sure if he/she will do that... 

Link to post
Share on other sites

i think it best you construct something that quickly and concisely you can readout to the judge when he asks for your input.

your N244 set aside reasons, which is all he will go by, are at the very least...confusing. however this can be put to your advantage in proving to the judge that since 16th nov 2020, you have diligently tried to get to the bottom of this 'debt'.

 

"sir, since the 16th nov 2020 when i filed my set aside form N244, i have send no less that 2 Subject Access Requests and various telephone calls and emails to both the parties involved in this case and the student loan company.

 

Through these, and firstly, i wish to clarify one matter.

i mentioned in the N244 that i was sure any outstanding balance has been paid off. it has since transpired that my statement appears to be incorrect and the outstanding balance i paid was a totally unrelated Honours Student Loan nothing to do with this case.

 

This has led SLC to tell me that there are duplicate accounts in my name, which there should not be and these accounts also have errors. i have re contacted SLC this very morning and the investigations are still on going. 

 

however, it is clear from the data i have to date that SLC took payments during the period xxx - xxxx which they should not have done as they failed to process a deferment form which covered that period. as thus my last deferment was xxxx the debt i now realise was statute barred at the issuance of the original claimform.

 

 

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... 

Link to post
Share on other sites

you cant hide post.

 

pm if you wish 

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... 

Link to post
Share on other sites

click my username or avatar ...hit message

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... 

Link to post
Share on other sites

  • 2 weeks later...

you need to post what you sent by PM to this thread

there is no reason to hide your natural questions on the N244 

pm is solely for private information not questions

PM advice helps no-one bar you and thats not what CAG is about.

 

please update your thread

 

 

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... 

Link to post
Share on other sites

Hi - it’s been 1 week  yesterday  since the court  hearing and I’ve still  had nothing in writing from the court.
I’ve rang the court - no answer - and I’ve had an email saying instructions would be sent out to me. 
I’m actually feeling pretty stressed out about it. 
It was set aside - but I need to provide a signed statement within 14 days. 


Drydens said something about costs at the end of the hearing - but I’m not exactly sure what was decided. 

 

Link to post
Share on other sites

3 hours ago, dx100uk said:

you need to post what you sent by PM to this thread

then people can answer 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... 

Link to post
Share on other sites

3 hours ago, owk said:

Hi - it’s been 1 week  yesterday  since the court  hearing and I’ve still  had nothing in writing from the court.
I’ve rang the court - no answer - and I’ve had an email saying instructions would be sent out to me. 
I’m actually feeling pretty stressed out about it. 
It was set aside - but I need to provide a signed statement within 14 days. 


Drydens said something about costs at the end of the hearing - but I’m not exactly sure what was decided. 

 

 

It will be 14 days form the date of Order ...when it eventually turns up...but there is nothing to stop you preparing your draft statement in the meantime.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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

Link to post
Share on other sites

Hi .. It's been set aside

 

It was so frightening.. I was a nervous wreck. Thank you for your paragraph, I didn't have much time to speak in the hearing. 

 

All parties said they did not have my updated witness statement ( with results of my SLC SAR and bank statements - even though I hand delivered it to the court yesterday. The county  court has not been answering the) phones for two weeks so I had to go down there.

 

I spoke to a lovely man who said he would ensure it got into the right hands - but it didn't. 

 

I also emailed updated Witness Statement it to Drydens this am, and some of my evidence.

 

My gut feeling was the woman from Drydens was not being truthful when she said she did not have it. 

 

I need to submit a defence to the court and have 14 days I believe to do so, the call just finished - will I hear from the court?

 

The Judge wants to see a few clearly spaced out paragraphs and a signed witness statement.

 

Drydens  said something about costs, the Judge ask if I understood.. which I didn't, how will I know what's what - will I receive paperwork from the court do you think? 

 

I need to calm down from it all today but I am going to chase SLC tomorrow for the results of their investigation, apparently there is a special team from Erudio that they are working together on with SLC and they are in contact. 

 

I want them to confirm exactly how much has been paid and who to- (link, thesis SLC?)  I would be happy if based on the evidence Student Loan Company accept that mistakes have been made on their part, and put me back in deferral minus any arrears. I will fight this cause as I believe I have been wronged by poor adminat SLC and the devil that is Erudio. 

 

I do not want to have to deal with Drydens again, the CCJ has always been my major issue, as I have recently been made a Director of my husbands business and he would have gone nuts. 

 

I would like to be of help to other posters, but I am too scared to add any information today, the woman from Drydens was so mean. Thank you for your help, you have been very sceptical of my situation but I knew I have been wronged, bullied by Erudio and treated so very poorly by SLC.   I will of course be donating. 

  • Like 1
Link to post
Share on other sites

Thanks Andy, I have a statement prepared - as I was assuming 14 days from hearing.. but is that posted... emailed... ?? 

 

I already sent updated witness statements in - with my evidence, which I’ve been told were given to the court usher - but all parties said they didn’t have them on the day. Do I change that?? Is there a certain format I need to follow? 
 

I’m going to chase SLC tomorrow who are investigating it with Erudio, I cannot imagine this will be concluded by next week. 

Link to post
Share on other sites

Have I got this right your posts are somewhat confusing......your teleconf hearing was last Thurs ? 

 

The claim was set a side but you have not received the court order confirming directions that a statement must be submitted within 14 days of last weeks hearing ?

 

Post your draft witness statement here for opinion....lets see if it requires any tweaks and a polish.

 

 

 

.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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

Link to post
Share on other sites

Sorry if confusing
 

 - It was a tele hearing  on 30th March. 
I was told in the hearing it was set aside - but the judge wanted a witness statement signed a few paragraphs - as he wasn’t going to read through all of my evidence?? 

I expected to receive written confirmation a few days later - but nothing.. I’ve chased the court who have said I will be sent info out and to ring them if I don’t understand. 
I will redact and post statement drafted first thing -

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...