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


owk
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Ok so apparently the final hearing fee has been paid on time according to the court.

 

Do Erudio/Drydens normally take it this far? My last successful deferment as per SLC sar was 2011. I have not signed any Erudio paperwork or made any payments to them. Apart from their two dds made without my consent in March / April 14? Should I go ahead with the final hearing? Thanks again for your help! 

 


 

 

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As they do 

You have no choice, but the debt is statue barred So ...

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, my main focus is that any debt was statute barred before issuance of claim form
 

what is the exact legislation I need to quote in the final hearing please? 
Do you have any tips for the final hearing next week? Thank you!! 

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Section 5 of the Limitations Act.

 

WWW.LEGISLATION.GOV.UK

An Act to consolidate the Limitation Acts 1939 to 1980.

 

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Not really ...if its statute barred its statute barred.

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 OTHERS

 

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

 

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Thanks!
 

just to be clear

my last confirmed deferment with SLC 2011.

2012 I tried to defer and it wasn’t processed by SLC correctly.

Payments continued to be taken until sold to / assigned to Erudio  Nov 2013. 


no payments or forms signed to Erudio.

Ccj registered July 19.

phantom payment March and April 14 reversed by bank. 
Ccj set aside  April 2021.

 

Which bit means it’s statute barred before claimform issued? 

 


 


 

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said this more than 1yrs ago now.

 

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...

I’ve got my final hearing tomorrow will keep you posted. Will stick to your advice ..

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Yes stick to the truth.

Don't allow them to derail it by bringing in thinks like default notice issued date etc 

 

They can't register one years and years after its cause of action. ...Last deferral letter date. Utter bs 

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

I’m scared -but it’s nothing compared to other stuff going on in the world. I will post all afterwards either way in the hope it may assist others! 

Thanks 🙏 

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have you done a costs sheet?

 

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

I’m scared -but it’s nothing compared to other stuff going on in the world. I will post all afterwards either way in the hope it may assist others! 

Thanks 🙏 

 

No I haven’t done a Costs sheet??? 

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are you taking a day off work? with proof worth £90 

£19P/H LiP costs postage etc etc time doing WS etc etc.

 

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

Take one with 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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It’s a teams hearing can I send it in afterwards? 

Also I’ve found a missed payment from July 2013 and a letter of default from SLC is this worth a mention? 

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Remote hearing then 

You won't get time off work then.. do you work?.. had to take time off to have this hearing and the last one?

 

What did the judge say last time about costs..they normally advise. 

 

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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Costs reserved to final hearing I do some part time self employed work but that’s it. 

I’m not above the SLC threshold - only 1 year above  it since 2013 

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Adjournment for a face to face hearing in April, they came with none of their correct paperwork.Rep  saying they have not received all of the docs when judge had them. 
not seeming to recognise the statute barred situation. Maybe that will be better face to face? 

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Encouraging ...sound like they are in disarray...ding ding round 2

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 OTHERS

 

 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

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Quick fake some mode paperwork.....

 

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 months later...

Update of this Court Case 

Good afternoon

 

I can confirm that the initial breach occurred on 28 October 2016, as outlined in the attached Witness Statement.

 

I have also attached all of the Witness Statements issued in relation to your case.

 

It is our position that your defence does not raise any grounds with reasonable prospect of successfully defending the Claim and there is no good reason why the matter should be disposed of at trial. As such we would be prepared to offer you an arrangement under a Tomlin Order for repayment of the outstanding balance at an affordable amount.

 

If you would like us to draft a Tomlin Order, please confirm your offer of repayment by return.

 

 

****The court case is scheduled for July*** this does not seem correct in terms of dates to me with regards to initial breach? 
 
I  have not signed any paperwork received a default and they have conceded they did not contact me for two years after the sale. Should I send them a CPR request now? 
 
The court costs they have now added for themselves are over £1.5k and the original debt they say was £2.3K. 

 

 

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std intimidation letter they send in every case.

 

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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