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Erudio backdoor CCJ - 1 of 3 old Student Loans


anna K
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Hello,  

I hope someone can help, I made a complaint to Erudio see below:


I have looked at my student loan account with the Student Loans Company and I have always successfully deferred all 3 loans when the deferment application has been sent from them - I was never aware of any loan being sold to Erudio. My last successful deferment of the Loan with Erudio was in 2018 when I was at my current address. 

After that time the SLC sent me letters with only 2  loans on it and I did not notice that the 3rd one was missing. I do not understand why Erudio took this action as you would have had my current address on file as I had successfully deferred via SLC every year. 

I have always deferred via Student loans company and I was never notified of Erudio terminating my loan within 2 months of my deferment ending which I find shocking as I have been penalised from deferring since 2018.

 I have asked many times since then for this to be investigated over the past few years with Erudio but the call centre advisors have always asked me to contact SLC who have always asked to refer back to Erudio. They have sent me a response which I have attached,

please could someone advise what I can do?

I stupidly rang them and arranged to pay £5 per month by DD, I have cancelled this now. 

I also believe they doctored the so called 2 letters they sent to my previous address in 2015.

Drysden supposedly sent a letter to my previous address in October 2018 sending a default notice given to you under Section 87(1) of the Consumer Credit Act 1974.

I have attached their response letter - should I just ignore them now?

Erudio complaints.pdf

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Welcome to the forum anna K

I have moved your topic to the Financial legal Issues forum.

Please continue to post here.

 

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  • dx100uk changed the title to Erudio backdoor CCJ - 1 of 3 old Student Loans

you've only told us half the story

thread title updated.

you moved.

you failed to defer to erudio.

they used an old address to attain a backdoor CCJ.

just like 100's of people here, get reading erudio backdoor ccj threads here.

it puzzles me why only one of your loans was sold to erudio.....

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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Thanks for replying,

the other 2 loans were sold to Thesis and they made contact and address was changed.

The 3rd weirdly was sold to Erudio but like others I was never notified.

The SLC account shows a letter that's was sent to my previous address about migrating to Thesis. Nothing about Erudio...

The other threads are really useful and my next stop will be to the FCA

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ah link dca

so 2 with link

one with arrows.

when did you move?

i wouldnt bother with the FCA, where did you get that idea from??

 

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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I moved in 2016 but I deferred using SLC forms and Erudio loan was deferred until 2018. I stupidly missed one loan missing out of the 3 every time I deffered my other 2 loans with them.

Then Drysden/Fairfax started sending me there lovely letters a few years later.

My silly idea about FCA was after searching on Google in desperation.

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well stop using google. READ HERE ONLY.

your story or your explanation is rather garbled and not consistent.

the loans would have all been sold off late 2013 to whomever so well before your move.

but you continued to defer thru SLC and sent forms to SLC directly? until when?

and what year did you start to 'accidently' not inc this erudio loan on the forms to SLC?

it seems to me the bottom line here is you did not inform your debt owners of a change of address, regardless to you still deferring thru SLC after the move. though i'm puzzled why SLC informed Link and they wrote and you updated them, but erudio are claiming slc didnt inform them of the move and decided to send their NOA to your OLD address..typical erudio move to gain a backdoor CCJ. 100's of threads here exactly the same as yours.

Erudio are quite correct in that its YOUR responsibility to write to all creditors of any debt when you move, regardless to you knowing or not of a sale to a dca.

the erudio letter mention sar 's. did you sar SLC and when?

the bottom line is the CCJ is there for 6yrs regardless to whatever you do. id let that run.

i dont think you ever had/have anything to complain about nor grounds to set aside the ccj which has only 2yrs now to run before its removed from your credit file. UNLESS you can prove SLC informed erudio of your correct address and when... SLC SAR?

it should be noted that that does not stop your natural age write off criteria. 25yrs or you reaching 50?

so how old are you now? and when did you take these out.

 

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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I have always sent deferrments directly to SLC, the 2 loans with Thesis are in deferment and the last deferment with Erudio was in 2018. My assumption was that all the loans were with Thesis.

I never received any information about Erudio until the letters starting coming in from their solicitors to my new address.

I had a brain injury in 2020 so I can't remember the exact date of SAR but it would have been around 2021.

The CCJ is not on my credit file and I have checked with the courts there is nothing on my file.

I turn 50 March 2025, but they say my loan won't be wiped out as I have arrears

The loans were from 1996/97/98

Thanks for taking time out to respond.

 

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ah another little lie from erudio. a CCJ.

you say you got letters from drydens, did they mention the claim/ccj number?

did you check with northants bulk it exists if you know the claim number?

did you check trustonline.org using your old address to see if it shows...get to the bottom of if a CCJ exists please.

18 minutes ago, anna K said:

the last deferment with Erudio was in 2018.

so forms went to slc for all three loans until 2018?

then you mentioned:

1 hour ago, anna K said:

I stupidly missed one loan missing out of the 3 every time I deferred my other 2 loans with them.

by them you mean the forms to SLC? from when did this happen?

18 minutes ago, anna K said:

I turn 50 March 2025, but they say my loan won't be wiped out as I have arrears

utter rubbish!

the last loan was 1998 so already over the 25yrs write off criteria

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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Thanks DX for all of your responses and for making me check online,

they issued a CCJ in July 2019 which is listed as unsatisfactory at my previous address but nothing on my credit file.

I also cancelled my direct debit today so Erudio have tried to ring me but I am ignoring.

I have arrears with Thesis and they say that the loans won't be cleared unless the arrears are paid. Is this correct?

Sorry to answer your previous questions:

SLC sent me and continue to send me the deferment application forms every year with the loans and up until 2018 all 3 loans were on their forms.

Then just 2 after that.

 

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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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  • 1 month later...

how's this going?

 

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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