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    • Ok another update and its all rather confusing, ive been trying to work this out for hours now and I cannot make any sense from it all.   Apparently the meter was put in on the 1st of April, I was sure it was July. However what makes sense is that I gave a reading in August, which I thought was for the month but it was for the quarter. I must of written it down wrong for a monthly reading, when it should have been written down as a quarter reading. I may have wrote the date down wrong when to read the meter.  However I do know that I contacted bulb a week before the meter went in, that I am very sure of. Which would of been about the 27th, They have it registered that I gave a reading on the 29th of March. However they have an opening reading from the 12th of March.    Im confused with that date as I know I contacted them a few days before and they put the meter in as an emergency and was definitely done the following week. Despite my memory being shot at the moment I do have some dates written down and the date of the change is on my meter. However its a little hard to read, it does look like the 1st of the 4th but it can also look like the 1st of the 7th. I was with 2 previous companies so July would make better sense. I moved into the property mid January, EON was the provider and I changed that within the first month so would have been February, then I went with OVO and changed them as they couldnt provide the normal meter for about 6 months at the time so changed to Scottish power. I know I was with them for at least a month before I contacted Bulb as they also couldnt change the meter to a credit meter.    So April doesnt seem to fit here. Im still trying to find any paperwork I might have to verify all this but I know everything was done via phone and online. I wish everything went back to paper bills, it was so much easier to try and trace back.    Anyway they have done a closing account for the prepayment and im a little confused at this.   The charges from the 12th of March 2019 to the 4th of April 2019 are £376.91.     Now I know that there is no way I put this amount in the prepayment meter. I had no heating on in that month, I remember it was such a mild Spring and I rarely had any heating on as this bungalow is very well insulated. The most I topped up in just one week was £25. So how they can justify that amount, I cant even guess.    Im worried they will use this amount to estimate my usage. I still cant get to read my meter, even if I stand on a ladder as its so high up and it just looks like a bunch of zeros, Ive even taken a photo but it still looks like a bunch of zeros, even when blown up. It was hard to balance on a step ladder as it was with one hand trying to take a photo, so not the best.   Ive managed to get into a link they sent me, its a portal. The balance is showing nil owing. and there are no statements showing.    So basically all they have sent is a closing balance on the prepayment meter and log in details for a portal with zero balance. Ive requested the meter be read. Which I keep asking for, but my landlord will come and try read it for me so I can send it.  Im just worried when I do im going to get such a large bill I cant pay. These people just seem so elusive on what I should do despite asking these questions. The only answers im getting doesnt seem to make any sense.    I know its partly my fault, I should of kept at them, but its not been an easy couple of years. 
    • But they added £60 on top of the £100 before court costs Thanks though, how do i file a defence , do i do it by hand?
    • If the hire purchase agreement ends in your husband's name then it will be your husband who will have to bring any complaints, bring any legal proceedings – et cetera. Write to Blue Motor Finance in the way that I have suggested. Point out that you have asserted your rights under the consumer rights act to reject the vehicle and that is the end of the matter. Tell them to start making arrangements to refund your the money and tell them that you won't stand for any nonsense. If you have pointed out to them already tell them that there will be legal proceedings unless they sorted out extremely quickly. What have you done to get rid of the car? If you've got Blue Motor Finance's prevarication in an email that that is excellent and you will use that against them. This thread has already been tweeted out to them and they will see the tweet on Monday and they will understand that they are been discussed on social media – and that it doesn't look very good. I'm sorry to say that you have to keep the pressure on very hard. You expect this of these kind of car dealers. You don't expect it of a regulated finance company – but am afraid that some of the poorer ones do act like this all too often. You can certainly call them if you want. What you definitely want to see what a reference number and if you call them tell them that it is a complaint. You can also tell them that they are been discussed on social media. Please keep us updated. I'm afraid that this is unlikely to be the end of it.  
    • So got the official judgement  sealed on 15th June , but refers to handed down 9th June    doesn’t say when to pay by - is it 14 days of the 9th or 15th (to stop any enforcement) or 28 days from 15th or 9th to stop it appearing on credit file ?   also I’m hoping it’s the legal jargon -    bur says each defendant is to pay  £25,000 and interest £1644    I know I brought his up before , but it’s just legal jargon for each defendant is liable to pay for the £25,0”” and £1644    rhey don’t actually order us to pay 54,000 for a  25k claim ???!!    
    • My apologies it’s Lumb’s with an S in Brigg North Lincs. As per my invoices anyway!   the upgrade free is for an entirely different machine so replacing the one we have with another machine that is deemed appropriate for our site as it holds water within the machine. 
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Erudio / CapQuest & Old Style Student Loan

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Hi all,

This is my first post on your awesome site.

I have been reading posts for two solid days, and like so many others am just after some clarity on what to do next.


Regarding my Old Style Student Loans (1993,94 & 95)

Between 1996 and 2012 either successfully deferred or correct payments made. 

The last payment I made was in 2012.


Deferment applied for in late 2012.

All forms, statements, evidence sent to Student Loans Company. Sadly I have no proof of this.

Thought nothing more of it. Did not get a refusal of deferment so assumed all ok. 


In 2015 I get a NOTICE OF SUMS IN ARREARS from Erudio. 

Having spoken with Erudio they told me that my Loans were Terminated in December 2014, then passed to Capquest. 

Erudio said that without any proof of me sending in my application to the Student Loans Company to defer, there was nothing they could do.


Erudio still send annual statements. 

Capquest send emails and texts advising me to use their portal which does not work.

They have sent two settlement offers, the best one being a 70% reduction in 2017. 

The Loan total amount is £1,156.52.


I have had no paperwork from Capquest since 2019. 

Erudio have my correct address so there is no pile of unopened letters at a previous address.


Apologies for not being able to find the answers on the many posts you have on this subject.


I have options but which ones would you now advise and in which order should I do them? 


A lawyer friend said I may have a case for an UNFAIR RELATIONSHIP with Erudio as the loan should have been marked as deferred back in 2014 when they took it on?


I have read your previous advice about asking for a Subject Access Report - who from in my case?

Erudio - or can you ask for one from Student Loans Company? Or both?


No payments have been made since 2012 as stated, and I have not written to Capquest 'admitting' liability for the debt. 


Both the 25 year loan limit and me reaching 50 years old have now happened

- but as I have read this does not apply to my loan in the state it is now.


Should I send the STATUTE BARRED template letter first to Capquest?

Or first try to prove the loan was deferred when Erudio took it on? 


Again I am unclear if its even possible to backdate deferment, or even worth telling Erudio I will take this matter further, etc.


I know it was spoken about in other posts but I could not find the final answer.

At no point has any paperwork from Erudio or Capquest mentioned 'Further Action'.


With regards to the Statute Barring, am I right in saying the DEFAULT date is the date of the Erudio Loan Termination which as mentioned is Dec 2014?


I hope I have included all the relevant details here for you to be able to comment.


Many many thanks in advance.

The G 99


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erudio, capquest, arrows, drydens...all the same lot.


send erudio our SB letter.


the 70% discount is a very telling letter and is useful information to others 

as for the default.

its not correct debt buyers can register a default months even years after last payment/acknowledgement the credit


report all texts to spam (7726)

block and bounce all emails




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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