Erudio student loans - account terminated for failure to defer

[dx100uk]

i would yes

[RyanO]

Ha, yes, thought so. Thank you 

[honeybee13]

Thread reopened.

 

HB

[RyanO]

For the record, almost two years after being informed account terminated by Erudio, it’s been passed to Capquest (I realise that essentially means shifted to another office). Letter by post and a text message, both yesterday. 

 

To recap, the last thing I sent was a deferral form in Feb 21, backdated to Oct 20, which they ignored, and have always earned well under the threshold so have never made any repayments in 22 years.
 

Assume it’s right to block number and ignore everything until a letter of claim. 
 

 

[dx100uk]

yep.

 

they never learn.

[RyanO]

 I assume they do have original agreements.

I haven’t received a PAP and am, by my calculations four years away from being SB.

I have no plans to offer a settlement or set up a payment plan. 

[RyanO]

I think they must be getting desperate. Text message this morning offering a 50% settlement 

[dx100uk]

Block report as spam to 7726.

 

Dx

[RyanO]

Letter from Erudio informing passed on (sent downstairs) to Dryden Fairfax 

[dx100uk]

desk near the bog with a bloke in a different coloured skirt.

 

dx

 

[RyanO]

PAPLOC just arrived, as anticipated I guess. Will follow instructions to dispute based on: 

deferment sent over two years ago but not processed 

Always deferred as under threshold 

 

Will check back in here when drafted. Anything else you think I should do, request, add, at this stage? 
 

thanks 

[dx100uk]

sounds fine.

 

dx

 

[RyanO]

Evening, 

draft of dispute: 

Please be advised that I dispute the alleged debt (original Account No. xxxxxxxxxxxxx), including any alleged arrears, for the reasons detailed below: 

Having for nineteen years already legitimately deferred repayments on three student loans taken out with the Student Loans Company between 1998 and 2000, a deferment form was completed and forwarded to Erudio as usual, accompanied by details of income, in October 2020. This was not processed for whatever reason. A copy was resent to Erudio, which they received on 15/02/21, but also received no response. 

My income remains, as Erudio are aware, substantially below the threshold, as per my original agreement with the Student Loans  Company, whereby repayments become due. 

The debt purchaser (Erudio) has yet to provide any or all of the required documentation. 

 

[dx100uk]

no dont give away your playing cards

simply respond as advised

dont forget the CCA request (use their mass number).

 

dx

 

[RyanO]

Great, thanks. So just sat last deferment not processed and remain under threshold. 
 

and to be clear, CCA request to Erudio? 

[dx100uk]

listen, and i'll be quite frank here....

you've been registered more than a year here now, i cant see that other than running off to all and sundry other orgs for advice and previously ringing the they and giving all kinds of useful information to them that they will have on record about you still...that you have ever bothered to read any other erudio threads HERE.?

you still seem to think these they have some magical powers over you that you must always spill the beans and do the worst thing possible to screw yourself up further...because you dont understand the overall picture. nor appear to read or understand the stickies here either.

you do NOT even hint at any issues you might have with them to PROTECT yourself should this eventually end up before a judge.

do not play your cards...keep the they in the dark.

follow the std tried and tested methods deployed 1000's of times to tie them up in knots and keep them guessing.

so use the default reason you have already seen and pointed too.

it does matter who the CCA goes too, erudio or their bloke at a diff desk near the bog who wears a skirt of another colour. you call. all the same lot.

 

dx

[RyanO]

Ok thank you. I shall be briefer and simply state, as advised, that my last application to defer went unprocessed and that I remain under the threshold. 

[dx100uk]

no stop giving the game away

 

just follow post 2 of letter of claim<<clickme

use the default statement there only.

 

dx

 

[RyanO]

So default statement is just “debt purchaser is yet to provide….” 
 

A few posts back I suggested those as my reasons to dispute and you said sounds fine. Sorry, I want to get it right and I’m not finding it clear  
 

 

[dx100uk]

but you were adding to it by giving away clues as to how you might defence if you ever need to by saying stuff like...

 

3 hours ago, RyanO said:

that my last application to defer went unprocessed and that I remain under the threshold. 

dont give them extra time months/years to FAKE paperwork up.

 

 

[RyanO]

Thank you. So 

I dispute this debt because..recommended reason as advised from your thread and add the debt purchaser has yet to provide any or all of the required documentation.

I.E no reason. All I’m doing is asking for extra documentation 

[dx100uk]

I dispute this debt because the debt purchaser has yet to provide any or all of the required documentation.

[RyanO]

Thank you. Appreciated. I realise I’m being a pain. 

[honeybee13]

Thread reopened.

HB

[RyanO]

Just thought I should update, although nothing major. 
 

Responded end of March to PAPLOC sent by Dryden and CCA request to Erudio. 
 

Drydens wrote a couple of weeks later to say that account has been placed on temporary hold. 
 

No response by Erudio to CCA request but early May they sent three separate notices of sums in arrears (one for each loan) where they appear to have ‘refunded’ the postal order as credit. 

Edited July 3, 2023 by RyanO
Typo