Erudio Student Loans, CCJ and Warrant of Control Order from the Courts

[23121907]

Hi All,

 

I am desperate for help as I do not know what I could or should do next. Mine is a long tale which included a little procrastination and belief that it would somehow all go away but it has all come right to my door now.

 

It may well be easiest for me to start with where I am and work backwards as hopefully you guys ask me questions in order to give me a take on what I should do but before i do I will give you a little background.

 

I have several Student Loans most of which are in deferment but 2 loans that had been sold off to Erudio have been terminated and are now at a critical stage where I need to take action to stop Bailiffs from turning up to my door.

 

I received a Warrant of control from the courts/Dryden Fairfax Solicitors (DFS) which stated I need to respond before the beginning of Sept. I made several attempts to contact DFS with no joy on the phone so sent an email and eventually they called me back. I explained to them that I was unsure why this had happened as I have several loans currently deferred so this anomaly surely needs to be amended. They told me to contact Erudio as the accounts had been passed to them.

 

DFS said that they could not do anything about my query and that I needed to contact SLC. I have done some digging

 

I received a letter from the courts that said I must take action straightaway, I have been searching and searching for help and finally I hope I have found this space which I hope will help me one way or another.

 

Today I spoke with the courts who have said that in order to avoid Bailiff action one of 2 options must happen:

 

- I pay them a 1/3 of the outstanding balance

- I contact DFS and make an arrangement to pay

- I complete one of 2 form either a N44 to appeal or a N45 to declare my earnings before agreeing a payment plan

 

my main question is what is my best course of action at this stage.

In terms of full disclosure I emailed the SLC and Erudio with a SAR request yesterday in order to retrieve all of the correspondence they have held relating to all of my accounts. I do this in hope that there may be some sort of angle to prove that something was wrong with the way they handled the administration of my loans after they had sold them off to 3 separate companies. I also informed DFS of what I had done and also asked what I could do in order for them to halt any action whilst I awaited my SAR information. 

 

Historically, I have complained about this and SLC replied with what they said was their final answer. I then hunted for help but as with other things I just let it slide and here I am some 2 years later  in this situation where it has been escalated to the courts etc.

 

At that same time I raised queries across all  loans as I had missed deferring all of them. I was successful with Honours, Thesis but it seems at this point SLC Erudio had terminated the loan contract. 

 

Roll on 2 years of doing nothing and hoping that it would all go away I am in deferment with Thesis, and HSL but they are holding arrears for the months they say that I was not deferred. Erudio have cancelled the contract and I have received a Warrant of control from the courts.

 

This morning I received a reply from DFS - they sent an email which supposedly had a copy of the letter SLC had sent me as their final response, however, the attached letter was not for me it is for a completely different person (dare-say a data breach as   they have clearly sent me the wrong attachment).

 

Short timeline with Erudio

24th July 2019 - Erudio responded to my complaint. Saying that they had not received a DAF form. They do not speak with any of the other loan providers. In this letter they state that SLC give a different deferment date setup for the Erudio accounts than for the accounts held by the other providers, they did not know why but just stated that it was the case.

SLC advised them that there was a gap between Feb 2014 to Aug 2014

 

Monthly payments became due on the 10th of each month. They said that no plan was in place so the account began to accrue arrears and fell into default 4 months after. They claim arrears letters had been sent Jan 2019 and Jun 2019

- They say a NOD - notice of default was served on  13th Sept 2018 asking me to contact before the end of October to pay arrears.  They did not hear from me so the account was terminated no longer eligible for deferment or cancellation of rights

 

- They finish saying that I need to contact DFS and that they do not uphold my complaint. They also said that I had 6 months to respond  - which I didn't as I did not find anywhere to get any help with what they had said.

 

Any help will be so much appreciated as the figure is really large for me and I have never earned over the threshold in order to pay back the loans.

 

Many thanks

 

 

 

 

 

Edited September 30, 2021 by dx100uk
formatting/spacing only - no issue

[dx100uk]

when did you last successfully defer on the 2 loans in question?

[23121907]

They have said August 2018 in their final response but I am yet to receive the info from the SAR request so I haven't cross checked yet.

[dx100uk]

But you have definitely sent deferment forms for the 2 loans listed in the POC since 2013 sale to erudio?

 

You are confusing In your answers

 

Forget totally ALL the other loans they are irrelevant.

 

 

 

[dx100uk]

Oh and PS 

 

Forget worrying about silly court bailiff.. nothing they can do there is no right of forced entry on civil ccj debt.

 

Seems like you've been going around in circles trying to throw stuff at walls wasting your time 

 

Stop talking on the phone to the fleecers too..they will LIE!!

 

Have you access to the SLC webportal

 

 

 

 

 

 

 

 

[23121907]

Hi - I'm so glad that I have managed to find this portal.

I have sent deferments requests in yes... I am not sure if i have access to the SLC portal. Is there a way to find out?

 

[dx100uk]

go try to log in onth e slc site??

 

18 hours ago, 23121907 said:

SLC advised them that there was a gap between Feb 2014 to Aug 2014

wheres this info come from?

so a gap, with deferement before and after this GAP?

but elsewhere you say they terminated the loans..before this date

 

bottom line...if you could PROVE you DID NOT successfully defer since the sale to erudio(2013), the loans are both statute barred thats the way so many turn out.

 

i will gather the CCJ was sent to an old Address?

have you gotten a copy of the judgement and the claimform particulars of claim from northants bulk by email PDF.

 

we cant keep guessing we need those get threm today before the court closes at 4pm

 

so record your call ask them to read out the particulars of claim exactly as written, also ask the addess the claim was served too..

 

this sounds far to much like a py=urposelful backdoor ccj to an old address, that means erudio did not get any deferement forms as if they HAD the address would have been correct for you.....smell bet they are statute barred.

 

dx

 

 

[dx100uk]

did you ring the court today?

 

dx