Erudio Backdoor CCJ

[JJ101]

my SLC default notice was 10th March 2008
my first payment to erudio was 3 March 2015 7 years later, does that have any bearing?

[The GodMother]

So you made payment 7 years after default. I thought, under old rules. They cant take you to court after the 6 years as its SB  

[dx100uk]

Without scrolling back..out herding sheep.. Sorry

There was a period of 6yrs whereby no payment were made nor any deferment forms accepted??

 

Dx

[JJ101]

SLC default notice was 10th March 2008
18/8/ 2009 last deferment with SLC
22/10/2009 last payment to SLC
3/3/2015 first payment to Erudio
5 years 4 months between payments ...damnv

[dx100uk]

Why did you pay slc money in 2009 when you were deferred already?

[JJ101]

deferred with arrears - had letters (Smith Lawson) chasing arrears and calling me

 

do I need to cancel the set aside and pay the debt?

[dx100uk]

If you were deferred and had deferred correctly up until that time, you cant have arrears. There was a default from slc in 2008, why was that? If these arrears were from then why did they not chase until 18mts later??

 

doesnt make sense why you had arrears to pay and got scammed on the phone ?? To pay them smith lawson..and they were scammers at that time on suppose d slc debt.

 

Dx

[JJ101]

note from account re 22/10/2009 payment of £5 - constant calls, unemployed, struggled to pay.

Memo Number(58) Date Written - 09 SEP 09
PD/SLC
Borr is unemployed and on JSA. He has been sent an IED and I told him NOT to complete it.

this is only for people who are earning.

Borr can only afford £5 so ARR of £5x6 and he has taken our bank dets to set this up from 28 Sept.

harassed, yes, conned, yes

 

Memo Number(54) Date Written - 24 JUL 09
cust adv going to send additional paperwork to defer the loan, going to call back and make an arr.

Memo Number(55) Date Written - 17 AUG 09
report
actioned daf.

Memo Number(56) Date Written - 21 AUG 09
OTC to borr, req IED letter

the above notes from SLC prove, application to defer, deferment, further harassment requesting money when deferred and on JSA

 

22/08/2008 
Note
Correspondence type: Deferment Acceptance Letter with arrears

[dx100uk]

payments made under duress

[JJ101]

do I wait for the next court date and present my timeline with under duress as defence?

Sorry, dont know next steps and worry i will now loose.

 

do i discuss with Drysdens and try and agree something out of court?

[dx100uk]

you await if there is a hearing going fwd.

 

there is a clear 7yrs gap without payment nor deferral, the debt was statute barred before you started making payments, the debt was thus statute barred before the issuance of the CCJ claimform.

 

yours is not the next move IF there ever is one

[JJ101]

SLC default notice was 10th March 2008
18/8/ 2009 last deferment with SLC
22/10/2009 last payment to SLC
3/3/2015 first payment to Erudio

where is the 7 year gap, just need to get it clear in my head as its making me ill?

thank you for your help

[dx100uk]

On 15/02/2022 at 13:45, JJ101 said:

I forgot all about the payments, I was suffering with mental health problems, had gone through a messy divorce and was trying to get access to my kids. I was also getting calls and letters to pay and agreed anything to stop it.

Apologies I missed it.

So a good excuse you were coerced under duress to make the payments. What they should have done is allowed you to defer and to backdate it. Then no arrears would have existed .

 

nice to see them admitting they cant issue a default notice at last and it should have been a demand for full payment.

 

why did they also not make a greater effort to find & use the correct address for the claimform eh? 

 

Stand a good chance imho

 

dx

[JJ101]

New court date set for June. I need to respond to the statement from them in court and am unsure how too?

 

 

 

 

 

 

[dx100uk]

no you need to do a statement?

 

scan up what the court has sent in full please

 

dx

 

[dx100uk]

and?

 

[JJ101]

Here you go

 

General Form of Judgment or Order.pdf

[dx100uk]

what date was that..you only need to remove your pers details not every place numbers or anything else is quoted

and please logically name you file not just scan 12345

 

dx

[JJ101]

Apologies. Date was 26th February

 

 

 

 

 

 

[JJ101]

Do I need to rescan? 

[dx100uk]

If that is all the pages

it doesnt say you have to do anything

[JJ101]

Thank you

[JJ101]

last hearing the judge mentioned their statement and asked me ;what do you have to say to me?

I feel i need to prepare a response?
J

 

letter received today, together with income and expenditure form

 

 

corrected and attached, sorry

Y158878 - Letter to Def (5 April 22).pdf

[dx100uk]

On 21/02/2022 at 21:47, dx100uk said:

So a good excuse you were coerced under duress to make the payments. What they should have done is allowed you to defer and to backdate it. Then no arrears would have existed .

 

nice to see them admitting they cant issue a default notice at last and it should have been a demand for full payment.

 

why did they also not make a greater effort to find & use the correct address for the claimform eh? 

 

Stand a good chance imho

 

dx

 

On 21/02/2022 at 13:33, JJ101 said:

note from account re 22/10/2009 payment of £5 - constant calls, unemployed, struggled to pay.

Memo Number(58) Date Written - 09 SEP 09
PD/SLC
Borr is unemployed and on JSA. He has been sent an IED and I told him NOT to complete it.

this is only for people who are earning.

Borr can only afford £5 so ARR of £5x6 and he has taken our bank dets to set this up from 28 Sept.

harassed, yes, conned, yes

 

Memo Number(54) Date Written - 24 JUL 09
cust adv going to send additional paperwork to defer the loan, going to call back and make an arr.

Memo Number(55) Date Written - 17 AUG 09
report
actioned daf.

Memo Number(56) Date Written - 21 AUG 09
OTC to borr, req IED letter

the above notes from SLC prove, application to defer, deferment, further harassment requesting money when deferred and on JSA

 

22/08/2008 
Note
Correspondence type: Deferment Acceptance Letter with arrears

 

On 15/02/2022 at 17:50, dx100uk said:

If you were deferred and had deferred correctly up until that time, you cant have arrears. There was a default from slc in 2008, why was that? If these arrears were from then why did they not chase until 18mts later??

 

doesnt make sense why you had arrears to pay and got scammed on the phone ?? To pay them smith lawson..and they were scammers at that time on suppose d slc debt.

 

Dx

pretty sure you need to do a statement for the N244 hearing..

 

the above stuff is worthy of note.

use it as a base for you 'story' 

 

have you a date when you must file one?

 

dx

 

[JJ101]

thanks for reply,
I have not been asked to do one, just have the second hearing date