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Erudio arrear's and want to apply for SAAS postgraduate loan


Rubyblue

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You cant have arrears once deferred. And so what, they are a fake penalty anyway.

 

it wont go near a court i bet my bottom dollar

 

and no 25yrs or aged 50yrs as you said yourself in one of your 1st posts

 

dont worry about all that nonsence

 

let things run.

 

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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Hi again. I received two letters today from Capquest today about two of my accounts (I have three). Both letters are the same.

 

Capquest confirm they spoke with me recently and note that "you confirmed you'd like some time to review your circumstances, and so we've placed your account on hold for 30 days".

 

It also says "If you are sending in documentation please ensure it is no older than 12 months". Obviously, all of my documentation is older than that as I have submitted deferral requests for 2020-21 and 2021-22, with payslips from that period.

 

The letters further note: "You will need to contact us by [date] to let us know what's happening. [...] by email, phone, or write to us at Capella Building, 60 York Street"

 

I already sent SLC deferral forms to the Erudio office in Camberley (GU15 9PA).

 

Should I send further photocopies to the Capella Building address?

 

Should I send a SLC deferral for 2022-23 with this year's pay slips? If so, to the Erudio or Capquest office.

 

What about my evidence?

Should I now send that to Capquest?

 

I now have an official letter from GP and letter from two therapists, confirming mental health issues for duration as well as letter from an MSP that helped our family through our issues as well as one from our social landlord.

 

 

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forget capquest same lot.

 

 

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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cant hurt you.

 

have you tried to access the webportal on the SLC website with your details

 

some can.

 

might be useful!!

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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Ok, I sent off most recent payslips with another deferral.

 

Yes, I can get into my SLC portal, thanks for the reminder

 

Hi, I was reading through some other threads and someone mentioned changing the following details on the old SLC deferral forms: "SLC" to "Erudio" and updating the income threshold.

 

Should I redo my deferral forms, or is this irrelevant

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well surely as the slc one is pre 2013 thats obv

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

erudio cant refuse them and have been told so by the FOS numerous times.

so what if it states an old threshold, you never have exceeded it, whatever its level across all the years.

 

not sure where you are reading those threads here on CAG? or elsewhere? to know the reasons behind why people are bothering to change the old SLC form. doesnt matter changed or not

 

you also should have picked up that SLC still remain in an overall 'admin' role to this day hence the portal.

 

 

 

 

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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Thanks for clarity. It was someone on here said they did it, they weren't advised to do so.

 

Yes, I've never been over threshold, or even close.

 

Yes, I saw that as well that SLC are in admin role. On SLC portal, I can only see my post-98 loan.

 

What should I be looking for on the SLC portal?

 

Should I do a SAR to SLC and Erudio just now?

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Wont hurt at this time to slc but not erudio as you need to see how they sort the present issue.

no rush pers i'd wait.

 

if all your loans were for the same 'qualifications ' they should all be a chain under the old scheme.

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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No why?

2 diff orgs

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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Ok, if there's anything I should look out for on the portal, please let me know

 

Thanks. 

 

 

Should I be doing anything just now, or just waiting? 

 

Can they put a decree on my credit file or would I get notification of this first and a chance to defend myself?

 

If I defended myself and was unsuccessful, would a decree go on my credit file?

 

Can it only be a  speculative claim they are making or is there a chance I could end up with a decree?

 

I'm sorry to keep asking questions..the more posts I read, the more anxious I become.

 

 

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Only the sheriff can judge that. If it ever went to court.

Stop stressing out about stupid court.

the number of Scottish student loan cases here can be counted on one hand i n 16yrs....enough!!  Move on with your life please

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

Hi, I still haven't heard back from Erudio about my backdated deferral. 

 

I asked above if I should send letters from mental health professionals etc. to Capquest and you said not to.

 

Should I send this evidence to Erudio though?

 

In the call I had with Erudio, before coming on here, the call handler asked me to send in as much evidence as possible. However, all I've sent is SLC  deferral forms and brief cover letter explaining reasons for failing to defer and notify change of address. 

 

The loan is "on hold" with Capquest until 12th march while Erudio deal with this. I know they're the same company.

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How many more times...

capquest are erudio, erudio are Arrows group.

 

Please stop stressing over a bunch of powerless fleecers ..

you might not ever hear at all again from them on their next attempt to scam someone dangling on an imaginary string.

 

 

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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  • 2 weeks later...

nothing

just a notice they are required to send as they consider themselves a creditor..

 

 

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

if the arrears are 'real'

don't believe anything they say .

 

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

Do you mean the arrears are not real because I have always been below the repayment threshold or they are not real simply because they are a DCA?

 

What will happen in four years time when my debt is due to be wiped if I haven't paid what they are calling arrears? I can't find threads where anyone describes this.

 

On a separate note, do you ever do awareness raising sessions or adult education sessions around these kinds of issues (paid, of course)?

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no thats what this forums is for.

 

you seem to be endlessly doing the job of the fleecers and finding ways you might come off worse.

 

you must remember they are not in the least bit concerned about you nor you situation, you are a single line in a spreadsheet that get automated crap thrown out because you might have done something 'wrong' on their automated system. 

 

when all is said and done with proof, time and again, you were are like 100'000's of others, for some reason a deferral failed to happen, when in all truth you were not above the threshold anyway and didn't owe anything.  let their silly system run it's course. if push comes to shove its an FOS complaint, and there are numerous example on their site and rulings, which deemed these situation and arrears unfair and the matter was resolved.

let the 25yrs keep ticking.

 

go enjoy your life

stop being a DCA mug.

 

dx

 

  • 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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Share on other sites

Hi, I received a text message from Capquest today saying "we recently sent you a settlement offer, you can discuss this offer with us by text."

 

I now notice there are various 'settlement offers' that went straight to my spam folder going back to Sept last year.

 

They are totally erratic, with settlements varying from one text to the next (3 monthly instalments of £1200 on one text and 3 monthly instalments of £300 or £500 in others!). 

 

I still haven't had a letter confirming my deferrals.

 

I imagine you're going to tell me to do nothing?

 

Edited by dx100uk
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