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    • just to be clear here..... the DVLA do not send letters if a drivers licence address differs from any car's V5C that shows the same driver as it's registered keeper.
    • sorry she is a private individual, the cars are parking on her land. she can clamp the cars. only firms were outlawed from doing it bazza. thats what the victims of people dumping cars on their drives near airports did and they didn't not get prosecuted.    
    • The DVLA keeps two records of you. One as a driver and one for your car. If they differ you might find out in around a month when they will send you a reminder as well as to your other half for their car. If you receive nothing then you can be fairly sure that you were tailgating though wouldn't explain why they didn't pick up your car on one of drive past their cameras. However even if you do get a PCN later then your situation will not change. The current PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 which is the main law that covers private parking. It doesn't comply for two reasons. 1. Section 9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN states 47 minutes which are the arrival and departure times not the time you were actually parked. if you subtract the time you took to drive from the entrance. look for a parking place  park in it perhaps having to manoeuvre a couple of times to fit within the lines and unload the children reloading the children getting seat belts on  driving to the exit stopping for cars pedestrians on the way you may well find that the actual time you were parked was quite likely to be around ten minutes over the required time.  Motorists are allowed a MINIMUM of ten minutes Grace period [something that the rogues in the parking industry conveniently forget-the word minimum] . So it could be that you did not overstay. 2] Sectio9 [2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; Your PCN does not include the words in brackets and in 2a the Act included the word "must". Another fail. What those failures mean is that MET cannot transfer the liability to pay the charge from the driver to the keeper. Only the driver is now liable which is why we recommend our members not to appeal. It is so easy to reveal who was driving by saying "when I parked the car" than "when the driver parked the car".  As long as they don't know who was driving they have little chance of winning in court. This is partly because Courts do not accept that the driver and the keeper are the same person. And because anyone with a valid motor insurance policy is able to drive your cars. It is a shame that you are too far away to get photos of the car park signage. It is often poor and quite often the parking rogues lose in Court on their poor signage alone. I hope hat you can now relax and not panic about the PCN. You will receive many letters from Met, their unregulated debt collectors and sixth rate solicitors threatening you with ever higher amounts of money. The poor dears have never read the Act which states quite clearly that the maximum sum that can be charged is the amount on the signs. The Act has only been in force for 12 years so it may take a  few more years for the penny to drop.  You can safely ignore everything they send you unless or until they send you a Letter of Claim. Just come back to us if they do send one of those love letters to you and we will advise on a snotty letter to send them. In the meantime go on and enjoy your life. Continue reading other threads and if you do get any worrying letters let us know. 
    • Hopefully the ANPR cameras didn't pick up the two vehicles, but I don't think you're out of the woods just yet. MET's "work" consists of sending out hundreds of these invoices every week so yours might be a few days behind your partner's. There is also the matter of Royal Mail.  I once sold two second-hand books to someone on eBay.  Weirdly the cost of sending them separately was less than the cost of sending them in one parcel.  So to save a few bob I sent them seperately.  One turned up the next day.  One arrived after four days.  They were  sent from the same post office at the same time! But let's hope I'm being too pessimistic. Please update us of any developments.
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Erudio mortgage style student loan - when will they be wiped?


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After googling and finding a range of differing information, I was wondering if someone could confirm whether an mortgage style loan from Erudio Stufeht loans will ever be wiped?

I’ve deferred every year as I’ve never earned above the threshold to pay. My loans began in 96 and end in 98. 


I read that they are no longer wiped after 25 yrs, but wanted to confirm if that was true and if there are other circumstances under which they are wiped?

 

Thanks in advance.

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The original terms of your loan will still apply.  Nothing changed when the loans were sold.

 

If you don't have the original paperwork, then contact student loans.

 

I just don't think Erudio are contacting people when any write off period is reached.

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Last one should be written off in 2023, and you have deferred every year so should be no excuse for Erudio not to do so make sure you have a record of every deferrment you made

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We could do with some help from you.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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25yrs or aged 50.

 

though erudio will scam you and say you had arrears and block it.

 

dx

 

 

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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 thank you. I don’t have original paperwork and feel like Erudio will avoid supplying it, even if they meant to!

 

I guess I’ll just see what happens next year- but have a feeling it won’t end and I’ll be deferring until the day I die! 
 

Thank you for giving me a glimmer of hope that it may not be the case though. 

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ive moved you to the SLC forum

100's of threads here.

 

you should be able to see/get everything if you log in to the SLC website portal.

 

When are outstanding loans wiped?
HIGHER EDUCATION START DATE AGE AT WHICH LOAN IS WIPED DEATH UNFITNESS TO WORK
1990 – 1997 
(If aged under 40) (1)
Earlier of 25 years after your first payment of your last loan agreement (usually the start of your final year), or when you reach age 50 Yes Yes
1990 – 1997 
(If aged 40+) (1)
When you reach age 60 Yes Yes
1998 – 2005 (1998 – 2006 in Scotland) When you reach age 65

(In Dec 2018, this was changed to the earlier of “when you reach age 65 or 30 years from the April you graduated” - Scotland only)
Yes Yes
2006 – 2011 25 years from the first April of graduation (when you were first due to repay) Yes Yes
2007 – 2011
(Scotland)
35 years (in Dec 2018, the good news is this was reduced to 30 years) from the first April of graduation (when you were first due to repay) Yes Yes
2012+ England & Wales: 30 years from the first April after graduation (when you were first due to repay)
 
Scotland: 35 years (in Dec 2018, the good news is this was reduced to 30 years) from the first April of graduation (when you were first due to repay)
 
NI: 25 years from the first April of graduation (when you were first due to repay)
Yes Yes
(1) This is the age you were when your last agreement for a loan was made – usually your last year of study.

 

 

 

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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just clarify the above which is not IMHO 1000% accurate.

 

12.  The lender will cancel the borrower’s liability to repay the loan if the borrower—

(a)dies,

(b)is not behind on any repayments under any agreement for a student loan and—

(i)was under the age of 40 when his last agreement for a student loan was made and he reaches the age of 50 or when the last agreement for a student loan has been outstanding for not less than 25 years, whichever is the sooner, or

(ii)was aged 40 or older when his last agreement for a student loan was made and he reaches the age of 60, or

(c)if the borrower can show the lender that he gets a disability related benefit and because of his disability is permanently unfit for work.

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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  • 3 weeks later...

This is exactly what is on my terms, original are illegible but i have a reconstituted version

 

But i also saw the above online so was confused, mine definitely says this though

 

original terms of old style SL if anyone needs

Scannable Document on 3 Nov 2022 at 18_51_18.pdf

Edited by dx100uk
unnecessary previous post quote removed
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