Erudio letters

[sabilisacranga]

Hello.

 

I'd like some advice. I live overseas and have Erudio loans. Deferred them until 2013 or 2014. Then moved and forgot about debt.

I rang up and checked with Erudio that my account was in arrears. I sent off new deferment form in 2014 I think with new address.

I didn't hear from them until 2020, they had written to my old address and postman had forwarded it. They have asked me to repay. They've recently chased me again about this.

 

I have no proof that I sent them my new address, I'm not sure what to do. Are they likely to take me to court if I live abroad?

 

Thanks for advice

[AndyOrch]

Welcome to the Forum.

 

I have moved your topic to the relevant forum ..... Student loans/SLC.

 

Please continue to post here.

[dx100uk]

if you've not deferred since 2013 the debt is statute barred.

as long as it's not a letter of claim you are safe to ignore their threats.

 

send them our SB letter from the debt collection section of our library from your present address abroad.

[sabilisacranga]

Thanks for your help.

 

I wondered what a letter of claim looks like.  What does that mean exactly?

 

Also, I'm pretty sure I deferred in 2013 last. Is there any way  to check as I don't trust Erudio. Years ago when I called them, the service was so strange and unprofessional. 

 

 

[dx100uk]

it will be entitled letter of claim and from dryden fairfax solicitors

but thats pretty immaterial even if you did get one

 

the loans will all be statute barred now that date runs from when you SENT your last successful deferment form.

 

100's of threads here on the same issue 

just send 'em our SB letter and put them to bed.

[sabilisacranga]

Thanks.

 

However, I.have checked my records and I have realised that I sent deferral forms in 2015. That means I'm still not in SB.

 

However,  when I sent my forms in 2015 I would have updated Erudio with my new address. I never heard anything from them until 2020 and they wrote to my old address. 

 

Does this seem dodgy to you?

If it had been successfully deferred, then surely all correspondence would have been sent to my new address.

It could well have been incompetence rather than trickery from their side. 

 

Is it still worth sending a SB?

 

Thanks for advice

[dx100uk]

the possible confusion gets worse.

 

can you still access the SLC portal?

[sabilisacranga]

I'm not sure how to do that. Is that a website for Student Loans original company? 

[dx100uk]

yes we've often found the slc also still hold all deferment records too as they are still have an over-arching administration role on record keeping regardless to the sale of all the remaining mortgage style loans by the Gov't in 2013/4 to arrows DCA (erudio are one of their group trading names as such)

worth a try.

[sabilisacranga]

It would be good to find out about when the loans were deferred last, but I'm having trouble finding the right website. Do you have a link?

 

I suppose it's possible that they deferred the loans but didn't update my address. If that is the case, would I have any legal standing or would it have been my responsibility to contact them?

 

I made the decision not to call Erudio a long time ago, but if they don't respond to my letters I'm not sure what to do with them.

[dx100uk]

There is only one gov't site

https://www.gov.uk/sign-in-to-manage-your-student-loan-balance

 

You never ring a dca ever.

 

[sabilisacranga]

Thanks. Yes, this was the one I tried and they had nothing on me. I imagine they won't be of much help if I call them.

Is it worth writing to them?

 

I'm curious as to what Erudio are playing here. One idea is that they have waited 5 years before contacting me and asking for money because they know the debts will be statute barred soon, however, it makes no sense to write at an old address. 

 

I'm not sure whether to bang off a SB letter and wait or play the waiting game and see if they file a CCJ?

 

 

[dx100uk]

They cant file a ccj

They can raise a speculative roboclaim through northants bulk 

 

Id cover your backside and simply write to erudio stating please note my correct address as above

 

lets see what goes

[sabilisacranga]

Ok, I'll write to them.  How would this cover my back though?

 

If the debt isn't SB'd, then wouldn't I be liable to pay it wherever I lived?

 

 

 

 

[dx100uk]

court letters 9/10 won't get redirected by royal mail if the come from a court

most state do not redirect.

 

simply protecting yourself from backdoor craftiness by erudio.

 

9/10 these letters are sent as a phishing attempt to see if you reply 

then they'll send the letter of claim knowing you wont

i suggest you get reading other erudio threads here

use our search top right.

 

you should/might get a letter of claim come back here if you do

till then radio silence on your behalf after address letter you'll send today

 

then we'll deal with the Poss SB issue.

 

do not use email ever

do not speck on the phone ever.

 

 

 

 

[sabilisacranga]

Thanks for your help.

 

I have found the threads to be very helpful.  It's astounding the amount of stress this company causes. I never had anything like this from the original SLC in Glasgow

 

 

 

 

[dx100uk]

they will use any tactics they can to scam payment out of people.

thats what a DCA does.

 

they bought the debt for about 10P=£1, then they threaten by various methods to get the full amount (not their discounted sum) out of mugs.

 

sadly 99.9% of people think a dca has some magical powers and are Bailiffs etc etc, they are NOT and have absolutely ZERO legal powers on ANY debt , no matter what it's type. 

 

they only have exact same powers you and i have if we think someone owes us money.

 

the stress is only caused because people don't ever read their letters CAREFULLY. they never say WILL anything, just threat-o-grams with may, could, might etc etc

 

don't get scammed!!

 

dx