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    • we also need aLL the exhibits too. please. you dont respond to them no. thread title updated.
    • Looking for some help and advice please. My fiancé purchased an engagement ring from H Samuel on the 8th May 2023. He opted for their design service as I love rainbow moonstones and diamonds, and he wanted it to be unique. He collected the ring on 20th June 2023, the cost was £1626.00 Shortly after, he proposed and I began wearing the ring. Within a matter of weeks, I noticed the main stone had fallen out. I was devastated. We took it back to the H Samuel store and was told that they would send it back to the people who made the ring, for their advice. If they felt it was damaged by me, we would need to pay for the repair. I was horrified as I had only worn it for a few weeks and had done nothing, that could be considered damaging it! I pointed out that this was an engagement ring and they had known this all along. An engagement ring needs to be robust as it is meant to be worn all the time. They took the ring from me and sent it away. They had it for over a month and then came back to me to say they would repair it free of charge on this occasion. When I collected the ring, they had replaced the original moonstone with one which was completely different. It really didn't look very attractive at all. A plain white stone with no colour and resembled a lump of plastic. I was so upset.  I told them I was unhappy with the look of the stone and it wasn't what we had wanted when we had the ring designed. They took it back and after another month, contacted me to say I could collect it. They had replaced the stone and the ring looked a lot better. I began wearing it again, but after a few weeks I noticed the stone was loose again. I had to take the ring off because i was frightened of losing the stone again and have not been able to wear it since.   I contacted H Samuel again, but this time requested a refund. The ring is clearly not fit for purpose as it can not be worn for more than a few weeks without the stone coming loose or falling out. The manager said that it was my fault as I had damaged the ring and they were unable to do anything else. There was no damage to the ring and this seemed to me to be just a way of avoiding doing anything. I took the ring to an independent jeweller who told me that the design was flawed and they agreed the ring wasn't fit for purpose as an engagement ring. The jeweller put that in writing for me and also confirmed that there was no sign of any damage that could account for the stone coming loose. I sent an email to the manager of H Samuels, attached the email from the jeweller and several pictures of the ring, showing that the stone had come lose again. I requested a refund as I has given them ample opportunity to fix the ring but it was not fit for purpose and could not be worn with confidence. He responded by saying they wanted to take the ring back to assess it. I replied that they had already had it twice and I do not believe they could do an impartial report on their own work. I suggested that if they were not prepared to accept the word of the jeweller I had already seen, we could agree upon another independent jeweller and have another report done, which we would agree to abide by the findings. He completely ignored this suggestion and has not given me a refund.   Getting engaged should have been one of the most special times of our live, but H Samuel have completely ruined it. We have both been through so much hurt and upset over this and just want our money back, so we can buy a ring that I can actually wear. I seem to be going around in circles here and it is clear, they don't care and do not intend to help. I am just looking for advice on what to do next please?  
    • it is NOT A FINE.....this is an extremely important point to understand no-one bar a magistrate in a magistrates criminal court can ever fine anyone for anything. Private Parking Tickets (speculative invoices) are NOT a criminal matter, merely a speculative contractual Civil matter hence they can only try a speculative monetary claim via the civil county court system (which is no more a legal powers matter than what any member of Joe Public can do). Until/unless they do raise a county court claim a CCJ and win, there are not ANY enforcement powers they can undertake other than using a DCA, whom are legally powerless and are not BAILIFFS. Penalty Charge Notices issued by local authorities etc were decriminalised years ago - meaning they no longer can progress a claim to the magistrates court to enforce, but go directly to legal enforcement via a real BAILIFF themselves. 10'000 of people waste £m's paying private parking companies because they think they are FINES...and the media do not help either. the more people read the above the less income this shark industry get. ............. also there is no such things as the OWNER in private Parking Speculative Invoice  its the REgistered Keeper on the cars V5C. dx  
    • Today we received a copy of the claimants N244 application for Summary Judgement. I have uploaded a redacted copy. Outstanding amount is wrong as mentioned before and no mention about the incorrectly caculated and duplicated interest under section 69 within the PoC mentioned in our defence. Looks like they want our defence struck out. The claimants solicitor asks us to acknowledge safe receipt. The envelope was already open when it arrived (I guess was not stuck down properly). N244 application for summary judgement.pdf
    • Thanks for all the help which I’ve learnt more in the last few days from the people on here, I only wish I’d come here sooner. like I’ve said before I’ll take all the advice to heart and try and get these problems sorted. ill keep you informed and will ask for help where it’s needed. cheers.   
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Backdoor Erudio CCJ - old SLC Loans - i Moved

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I took out a student loan in 1997, 1998 and 99 under the Student Loans scheme, which was later passed to Erudio to manage.

I have never earnt enough to pass the threshold for repayment, and have deferred without problems with SLC and Erudio for years.

There was a point after 2015 where things went wrong and I'm not sure of the dates, because I had a new baby, cancer, lupus and was in and out of hospital over and over again.

I do recall a phone call with Erudio during this time where they told me that if the cancer was diagnosed as terminal and I could prove it with a letter from my consultant, they'd wipe my loan(!), but thankfully that didn't transpire.

During this time they repeatedly refused my deferments or didn't acknowledge receipt which pushed me into arrears.

Then, one day, they stopped contacting me at all and I forgot to chase them to find out what was going on.

However, in June 2019 I replied to a court demand to acknowledge service of a claim form from them - I can only find a pdf of the form I returned saying I intended to defend the case, although I'm sure I sent a full written defence back to them.

The case was filed together with my defence in July 2019, and then "stayed" in August 2019, although there's no record of why it was stayed.

In June 2021 I moved house and despite having a redirect on my post for a year, heard nothing from them and so didn't remember that I should have updated my address with them. Also Covid was quite the thing at the time, and my ill health and disabilities meant I was considered vulnerable and therefore life was, in general, quite stressful - I lost track of quite a lot of things during this time.

The stay was lifted on 16/10/2023, again with no contact from them to me, due to a "request for judgement".

A hearing was apparently held on 02/01/24, of which I wasn't aware, no contact having been made with me.

On 15/01/24 I received an email into my spam box which contained a link for a remote hearing for the judgement, I didn't see this email until 20 minutes after the time of the hearing, and the judge issued a CCJ against me on the basis of "the Defendant's conduct in failing to engage being unreasonable" including the other side's costs.

I am in the process of filling out an N244 form to ask the judge to reopen the case to allow me to defend myself on the basis that they haven't contacted me or otherwise alerted me to the process until the day of the hearing for the judgment.

Erudio previously have held my phone number and email, neither of which have changed, and so to claim that they couldn't contact me seems specious at best.

Can I get some general advice from you as to how I can best represent myself on paper against this CCJ, and either reach a settlement I can pay, or get this matter removed from my financial record entirely.

It doesn't seem very lawful that Erudio can use my old postal address to issue the claim, and not try any other means of contact since.

Am I wrong?

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Welcome to the forum.

I have moved your topic to the correct forum Financial Legal Issues.


We could do with some help from you.



Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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  • dx100uk changed the title to Backdoor Erudio CCJ - old SLC Loans - i Moved

not a lot you can do sadly.

you didn't inform them of  your new address.

they quite legally filed to an old address

thread title updated.

1 hour ago, GrumpyOlWoman said:

During this time they repeatedly refused my deferments or didn't acknowledge receipt which pushed me into arrears.

expand please why did they refuse deferment.


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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They refused deferment on the grounds that I was out of their time limits

- they would wait until the last minute to let me know that they hadn't received my forms or needed further information, and this happened every time.

I appealed each time but was repeatedly unsuccessful.

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yea that brief description doesnt really help.

have you still got all these communications?

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 possibly do still have everything from Erudio, but it will be in a box I need to dig out.

Do you think I should contact Erudio directly at this point and explain and request that I have all of the information regarding to their case against me?

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i wouln't be tipping them off a poss set aside is coming.




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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