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    • ok best shot..   you need to reply to that letter of claim.   for debt covered by the consumer credit act:   send a cca request along with the completed form:   NOTE ONLY USE THE ATTACHED FORM below DO NOT USE THE FORM SUPPLIED BY THE DCA IN THEIR PAP LETTER!! DO NOT USE OR GIVE THEM YOUR EMAIL/PHONE NUMBER. USE ROYAL MAIL 1st class - get free proof of posting from any PO counter   box D tick   I dispute this debt because ..i refer you to our previous communications and my previous respond to your previous Letter of Claim. i am over 50yrs and have deferred as required to meet the age write off.    box I tick   I also require you to supply the following..   All signed agreements Copies All my deferment sent to either yourselves, the SLC or the SAAS to date. Copies of all communications bothways in whatever format to/from Erudio, Capquest, yourselves and Me A copy of the any Default Notices A copy of the Notice of Assignment A complete set of statements detailing exactly how the sum you allege is owed has accrued detailing: All Transactions. Any additional charges, be them by the original creditor or you xxxx the debt purchaser or any predecessor DCA. Details of all contractual interest added by whom and on what date. List of ALL Payments made toward the Agreement   no need to do the financial statement etc anything else or send anything else bar the above do NOT give them your phone nor email PRINT your name never sign the form   staple the £1  PO to the CCA request and send it to the debt purchaser return the completed PAP form below to the solicitors that sent it to you attain free proof of posting for BOTH at any PO counter 1st class mail will do. recorded is a waste of money   reply form PAP.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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Backdoor Erudio CCJ - old Student Loans


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Hi,

 

I took out a student loan in 1998 and 1999 which has not been paid.   I wrote to tell  Student Loans in 2011 that I changed address when I moved and I've never earned enough to pay the loan. The last deferral I made was in 2011.

 

Today I get notification on my phone (same number from before 2011) that the debt was passed to Dryden in 2017 and a CCJ was issued last November in my old name and address. The debt has now grown to £4700. 

 

I have spoken to Dryden and all they can offer me is 30 days grace. 

I did contact the National Debtline who didn't really help.

I know it was stupid of me to not get back in contact after I moved and I thought it got written off at age 50. (I'm 53)
 

Any suggestions as this was a bit of a shock today and I am really panicking as to what to do.

 

Thanks

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have you a copy of the judgement and the claimform?

i will bet the loans were already statute barred upon claim issuance 

 

100's of like threads here 

use our search top right

 

backdoor CCJ  erudio 

 

stop talking on the phone to the fleecers too!

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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  • dx100uk changed the title to Backdoor Erudio CCJ - old Student Loans

Hi,

 

Thanks for replying. I don't have a copy of either the judgment or the claim form as apparently they sent it to my old address in my previous name.  I've never seen them at all.

 

I refused to give them my current address as I didn't think that was a wise move.

I've researched a little and not sure that 1998 loans can be statute barred like other debts.

I am a bit stressed over it all though, so I'm not sure of anything at the moment :-(

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you need to ring northants bulk and ask for a copy of the judgement and the claimform by email pdf.

it is quite usual for them to not have a copy of the claimform.

so you need to record the call and ask them to read out the particulars of claim and the address it was sent too.

 

On 22/01/2021 at 22:34, Badgergirl25 said:

I refused to give them my current address as I didn't think that was a wise move.

 

old wives tales , if you have a debt owing that shows on your credit file or you know exists from say the last 7yrs you should NEVER move without WRITtING to the debt owner with your new address.

never run from debt which falls within the above .

 

On 22/01/2021 at 22:34, Badgergirl25 said:

I've researched a little and not sure that 1998 loans can be statute barred like other debts.

 

all mortgage style SLC loans that were not deferred with erudio following the gov't sale in 2013 and that did not have a court claim raised within 6yrs are SB'd.

 

drydens simply did this because they wrote to your old address, got no response, and knew they'd get a default roboclaim CCJ where no human checks anything.

 

shot yourself in the foot.

 

 

 

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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Thanks for your help - I will call Northants on Monday and record the call

 

I did inform Student Loans of my change of address when I moved, but I'd never heard or Erudio or Drydens before yesterday.

 

I didn't want to give my new address to Drydens yesterday as I was scared that they would send someone to my door.

 

I did call Erudio and explained the situation and they asked me to call Drydens to ask to speak to a supervisor to raise a query with Erudio, which I did. They have placed a hold on the case for the time being.

 

I have looked at my BTEC certificate and it is dated July 1998 and it was a two-year HND. It looks like I got my years muddled and that the loan must have been taken out in 1996 and 1997 so it pre-dates 1998 as that is when I got my qualification.  

 

After I get the details of the claim on Monday, what should I do next?

 

Again, thank you for your help in this.

 

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there is no need to be frightened of a DCA or their pet solicitors.

a DCA is NOT A BAILIFF

and have 

ZERO legal powers on ANY debt no matter what it's type

and most certainly have ZERO powers even with a CCJ.

 

how did you inform SLC of your present address before these debts were sold to erudio?

 

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 dont need a copy of the letter. just proof.

it might pay you to sar SLC as if they had your correct address on record before loan sales to erudio , that will add another very strong string to your bow toward setting aside this backdoor CCJ and the arrows you'll fire at Arrows :pound:(Erudio are arrows DCA in sheeps clothing)

 

you also might like many others find that you still have access to the online SLC portal.

that could be useful with info. like deferral dates etc and address and what they knew and when.

 

at present you are in the info gathering stage, the more of that you can get the better.

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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I did call student loans and they don't have any record of anything and no details were coming up with the old Student Loans reference number. They were the ones who told me that the loan would have been taken over by Erudia and asked me to call them instead.

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send slc an 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... 

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Thanks. What should I put in the SAR to SLC? I've just looked at templates but they don't really relate. 

 

I've found this one. Is it too harsh?

 

[Your name and full postal address]

[Your contact number]

[Your email address]

 

23 January 2021

 

Student Loans Company Limited
100 Bothwell Street
Glasgow
G2 7JD

 

Dear Sir or Madam

 

Subject access request

 

(removed - dx)

 

Yours faithfully,

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just click sar

 

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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ive not heard of issues with any addresses used.

but why not check their website

 

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.

I've sent the SAR to SLC and called Northampton CC.

They won't give me any details of the CCJ as I don't know the case number.

I'm not sure how to get the reference except by calling Dryden.

Should I join Dryden's web portal to get the details? 

 

I forgot to add, nothing is showing on my Clearscore credit score

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is you old address showing in linked addresses on your credit file?

 

pop up on trustonline.org

use your old name and address

see if anything shows.

 

 

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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used too?

thats not right

if it was there then the CCJ would have shown then...

addresses and CCJ dont just get removed on a whim.

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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Clearscore Only uses data from Equifax.  Ideally you want to see all 3 reports i'd recommend checkmyfile.com 

 

 

"I feel sorry for people who don't drink. When they wake up in the morning, that's as good as they're going to feel all day.”

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as said before you NEVER ring a DCA or their dogs ever ..they will LIE TO YOU.

 

trustonline.org

using your old name and address.

get the CCJ numer

then go ring northants bulk as advised earlier.

 

 

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,

I've gone to checkmyfile on their month free thing. It does show on there with Transunion.

 

Case heard on 9 November 2020 against xxx

 

 

Living at xxxOLD ADDRESSxxx

 

Case reference - xxx (County Court Business Centre)

 

Court Judgment of £4,707

 

Court Judgment still active

 

 

Court Judgment not disputed

 
 

 

5 Years, 41 Weeks Until Removal (Nov 2026)

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On 23/01/2021 at 02:16, dx100uk said:

you need to ring northants bulk and ask for a copy of the judgement and the claimform by email pdf.

it is quite usual for them to not have a copy of the claimform.

so you need to record the call and ask them to read out the particulars of claim and the address it was sent too.

 

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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I’ve had the particulars read out whilst recording and had them emailed across. They suggested an N244 but I said I will deal with it. I also said no to a copy of the judgment as they wanted £10. I hope that was right.

 

Oops, I forgot to get the address it was sent to but that was mentioned whilst clearing security and recorded. 

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really gone up that much used to be £3 the went upto £5 but i'd not heard it was now £10!!

but which was it sent too? this could be important.

 

complete this now we know a bit more:

You have received a Court Claim ISSUED IN ENGLAND & WALES What you need to do - Financial Legal Issues - Consumer Action Group

 

 

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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