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    • just to be clear here..... the DVLA do not send letters if a drivers licence address differs from any car's V5C that shows the same driver as it's registered keeper.
    • sorry she is a private individual, the cars are parking on her land. she can clamp the cars. only firms were outlawed from doing it bazza. thats what the victims of people dumping cars on their drives near airports did and they didn't not get prosecuted.    
    • The DVLA keeps two records of you. One as a driver and one for your car. If they differ you might find out in around a month when they will send you a reminder as well as to your other half for their car. If you receive nothing then you can be fairly sure that you were tailgating though wouldn't explain why they didn't pick up your car on one of drive past their cameras. However even if you do get a PCN later then your situation will not change. The current PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 which is the main law that covers private parking. It doesn't comply for two reasons. 1. Section 9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN states 47 minutes which are the arrival and departure times not the time you were actually parked. if you subtract the time you took to drive from the entrance. look for a parking place  park in it perhaps having to manoeuvre a couple of times to fit within the lines and unload the children reloading the children getting seat belts on  driving to the exit stopping for cars pedestrians on the way you may well find that the actual time you were parked was quite likely to be around ten minutes over the required time.  Motorists are allowed a MINIMUM of ten minutes Grace period [something that the rogues in the parking industry conveniently forget-the word minimum] . So it could be that you did not overstay. 2] Sectio9 [2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; Your PCN does not include the words in brackets and in 2a the Act included the word "must". Another fail. What those failures mean is that MET cannot transfer the liability to pay the charge from the driver to the keeper. Only the driver is now liable which is why we recommend our members not to appeal. It is so easy to reveal who was driving by saying "when I parked the car" than "when the driver parked the car".  As long as they don't know who was driving they have little chance of winning in court. This is partly because Courts do not accept that the driver and the keeper are the same person. And because anyone with a valid motor insurance policy is able to drive your cars. It is a shame that you are too far away to get photos of the car park signage. It is often poor and quite often the parking rogues lose in Court on their poor signage alone. I hope hat you can now relax and not panic about the PCN. You will receive many letters from Met, their unregulated debt collectors and sixth rate solicitors threatening you with ever higher amounts of money. The poor dears have never read the Act which states quite clearly that the maximum sum that can be charged is the amount on the signs. The Act has only been in force for 12 years so it may take a  few more years for the penny to drop.  You can safely ignore everything they send you unless or until they send you a Letter of Claim. Just come back to us if they do send one of those love letters to you and we will advise on a snotty letter to send them. In the meantime go on and enjoy your life. Continue reading other threads and if you do get any worrying letters let us know. 
    • Hopefully the ANPR cameras didn't pick up the two vehicles, but I don't think you're out of the woods just yet. MET's "work" consists of sending out hundreds of these invoices every week so yours might be a few days behind your partner's. There is also the matter of Royal Mail.  I once sold two second-hand books to someone on eBay.  Weirdly the cost of sending them separately was less than the cost of sending them in one parcel.  So to save a few bob I sent them seperately.  One turned up the next day.  One arrived after four days.  They were  sent from the same post office at the same time! But let's hope I'm being too pessimistic. Please update us of any developments.
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Erudio student loans - account terminated for failure to defer


RyanO
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i would yes

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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  • 1 year later...

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
 

 

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yep.

 

they never learn.

  • Like 1

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 weeks later...
  • 1 month later...

Block report as spam to 7726.

 

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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  • 4 weeks later...

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

 

dx

 

  • Haha 2

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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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 

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sounds fine.

 

dx

 

  • Thanks 1

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

  • 2 weeks later...

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. 

 

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no dont give away your playing cards

simply respond as advised

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

 

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

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

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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:frusty:

no stop giving the game away

 

just follow post 2 of letter of claim<<clickme

use the default statement there only.

 

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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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  
 

 

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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.

 

 

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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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 

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

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 months later...

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 by RyanO
Typo
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