Erudio deferral delays intentional? Not responding

[Jhgf]

How long did it take for them to process your deferment paperwork?

Erudio not processing deferral paperwork on time - **RESOLVED ERUDIO ADMITTED MISTAKE** - Student loans/SLC - Consumer Action Group

I’m still waiting for mine.

Account showing arrears.

Should have deferred me on 19 May.

I submitted my paperwork electronically via portal on 5 April.  

Not taken anything yet, but I have a new collection date of 10 June. 

any answers appreciated 

[Jhgf]

 

 

I’m still waiting for them to process my deferment paperwork. 

Account showing arrears.

Should have deferred me on 19 May.

 

I submitted my paperwork electronically  via portal on 5 April.  

Not taken anything yet, but I have a new collection date of 10 June. 

 

any answers appreciated .

 

Curious that this is happening on 25th anniversary of first loan.

Never previously had problems deferring.

I’m well below the threshold. 

Edited May 19, 2022 by dx100uk
block of text spaced to paragraphs

[dx100uk]

so you've previously given erudio DD details etc or a card number?

 

dx

 

[Jhgf]

Thanks for replying.

All details are on the portal.

Completed deferment form, bank and contact details etc.

 I uploaded a P60 as evidence after filling in deferment form via portal. .

should have everything they need. 

[dx100uk]

On 19/05/2022 at 17:41, dx100uk said:

so you've previously given erudio DD details etc or a card number?

dx

 

 

[Jhgf]

Yes, and it’s clearly evident in online portal as I said and evident in my bank under direct debits ( although not currently active)

Edited May 19, 2022 by Jhgf

[dx100uk]

then go and cancel the DD on your banks online webportal now.

that part of their deferment form was ruled unlawful by the FCA/FOS way back in 2013 and the dd should have been cancelled/removed by them then

you got had.

as you have by using their forms anyway

 

if you read a good few threads here in the forum you started yours in

you will see we recommend using the old SLC form.

 

 

[Jhgf]

They haven’t taken any money yet, despite the arrears showing.

Cancelling my DD is not advisable.

That will just muddy the issue.

I’d rather let them take it and than deal with them, rather than putting myself in default ( whether it’s due to their oversight or not).

Thanks,

but I think I’ll try and contact directly. and then ombudsman. 

[dx100uk]

wrong! on every count.

you'll never get that moneyback if they do and it will prevent/null any chance of write off.

 

they are a DCA, never ever trust a dca!!

 

dx

 

[Badtimes123]

Don't mind if I jump in!

 

Jhgf - just to re-iterate a previous comment from dx, don't overlook this statement "..that part of their deferment form was ruled unlawful by the FCA/FOS way back in 2013 and the dd should have been cancelled/removed by them..." I added the emphasis

 

You should cancel the DD, follow the advice and read some other threads, otherwise ask yourself why are you on CAG?

TAKE CONTROL! don't trust DCA's

 

Good luck I'll just get back under my rock

Edited May 19, 2022 by Badtimes123
because I'm never happy with my first posts it seems..

[Jhgf]

My deferment is on record with their portal.

I’ve received no reply.

I have a chain of evidence.

Any  payment ( if indeed it is taken….it hasn’t been yet) will be unlawful.

As I’ve said they’ve taken no money and although they’ve detailed arrears the next contractual amount to be taken on 10/06 is still currently 0.0 pounds.

I’m guessing delays are causing some bottleneck with paper work.  

As I understand it you are obliged to provide DD details?  

Mine have not changed since original loan.

I’m not going to cancel DD at this point.

I’ll prove the error is theirs.

Easy in my case, with a robust volume of evidence.  

As I said will not muddy waters at this point until I’ve heard back vis a vis deferment.

They’re not going to nullify my 25 year write off.  

But thanks again for your input.

[Badtimes123]

I respect your conviction - keep us posted please!

 

BT

[Jhgf]

Will do

[dx100uk]

21 minutes ago, Jhgf said:

As I understand it you are obliged to provide DD details?  

 

no originally you never were to the SLC, the debt buyer erudio (Arrows DCA) unlawfully added that in to their deferment forms (along with numerous other unlawful requirements to defer) when they purchased the remaining old style loans not already sold off to Thesis (Link another DCA) .

 

they were subsequently taken over the coals for reportedly taken some £100'000 out of peoples bank accounts that they mostly never paid back after claiming a whole host of very dodgy reasons why they refused deferment or made up fake reasons to create arrears and take payments.

 

the whole story is here.

 

dx

 

[Jhgf]

I may have given permission at some point.  

Erudio took over some time ago now and I’ve had a fair bit of correspondence from them..

Either way it won’t really resolve this current issue. 

Deferment and my right to defer will still have to be dealt with.

I’ve had no problems up to this point.

I think better to deal as is rather than cancel DD ( rightly or not) and give them reasons to imply I deliberately opted for default.

Plus I can’t be asked to deal with debt collectors ( rightly or not appointed ) turning up like a bad penny trying to squeeze me for money I don’t owe them.

I’d rather deal with it, even if it is on their terms.

I think The clarity of their wrong doing is more easily exposed this way.

But again, thanks for taking the time to reply. 

[dx100uk]

you seem to be very very green and rather radicalised by these DCA's into believing the rubbish they put they put out.

the owner of your debt IS a DCA, in sheeps clothing, 

a DCA is NOT A BAILIFF

and have

ZERO legal powers on any debt - no matter what it's type.

i'm not sure where you got the idea a dca can just send someone to your door and demand money , they can't and are totally powerless anyway if they ever did.

please be careful what you are believing and accepting as reliable advice moving forward on this and any 'debt' you might have .

[Jhgf]

Um, okay, cool. Cheers.

[dx100uk]

14 minutes ago, Jhgf said:

I may have given permission at some point.  

just to clarify, under the terms of your loan, that your loan that you signed atthe time of take out..there is NO requirement to ever do so.

if you latterly did to erudio by blindly filling out one of their early deferment forms that had it in, that has been reseeded and cannot be enforced or held against you .

 

please be very careful not dismissive .

[Jhgf]

Dude, I appreciate the earnest advice, but It’s all good. I’ll keep you posted.

[dx100uk]

[Badtimes123]

Not sure why I'm still here actually but I'll try one more time:

 

You didn't even know if you were obliged regarding DD - you had to ask if you were! you were told you were not, in fact FAR from it..

 

DX = 16 years vet, 155k posts, unpaid volunteer with experience in this topic and nothing to gain from advising you

DCA's = famous for coercing, lying and stealing with everything to gain from you

Cancelling the DD and awaiting correspondence = zero risk

Not cancelling the DD and hoping they don't money grab = Some risk, not zero!

 

So you'll 'prove they are wrong' with your 'robust evidence' - may I ask who you plan to show this evidence to in order to prove they are wrong? because they won't care what you have to say, you know that right?

CAG advice is free

Cancelling the DD is free

Litigation is not free

 

I hope all this will turn out to be unneeded I do, but I thought it worth me typing a few more words so hopefully you'll ask yourself why you want to take any unnecessary risk..

Edited May 20, 2022 by Badtimes123
typos... naturally :D

[Jhgf]

Cheers,

if they don’t play ball perhaps I’ll cancel DD.

Out a few hundred quid.

Same position.

Used ombudsman ( free) lots of times for insurance companies, contractors etc.

Won each time.

I’m all good here . 

[dx100uk]

as the FOS globally ruled and issued directives against Erudio and the unlawful changes to their version of the SLC loan deferment forms, you should be safe should the worst happen. 

 

dx

 

[Jhgf]

Cheers dx

[Jhgf]

Went down the old complaint route.

They’re legally obliged ( FSA) to resolve it within three days or provide you with written confirmation by post.

If not resolved after certain amount  of time you can avail yourself of Ombudsman.

They’re also legally obliged to retain the information you provided to them.

A sternly worded but polite complaint outlining my situation seems to have done the trick.

Two business days later, account deferred and arrears removed. Roll on September. 25 year anniversary.

have a good one