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    • So neither of you want to sell? What is it you need advice on then? Nothing needs doing as far as the ownership of the house is concerned if neither of you wants to sell.   Although I can see that both living under one roof may be a problem you first need to decide between you what you want to achieve. Neither of you can make the other sell or move out.   Are you both still paying the mortgage 50/50 each month?
    • Happpy Erudio Friday!!!    I never received a default and nothing has appeared on my credit file? What does this mean? 
    • Thank you for your email. As previously advised, your queries relate to your most recent complaint and as such your correspondence will be processed by our Complaints Team.   Following review of your email dated 18 May 2022, my understanding is that you are alleging that there was a delay in issuing the Default Notice in order to prolong the limitation period. Therefore I felt it was essential for me to fully understand the chronology of the account before addressing this dispute.    Our client’s records show that the last deferment date was the 24 April 2011. The relevant limitation period in respect of this type of claim is 6 years pursuant to section 5 of the Limitation Act meaning that based on your last deferment date, the account would not have been considered Statute Barred until the 24 April 2017. However a Default was registered against you on the 12 January 2017, and pursuant to section 29(5) of the Limitation Act, the relevant limitation period accrues afresh on the date of default.    When a student loan account reaches its 60th month and there is still an outstanding balance, the account matures. This means it will exit the Terms and Conditions of the agreement and the balance becomes due in full. The maturity date is moved on by 12 months with each deferment period meaning that this account matured on the 31 March 2016. The Subject Access Request supplied to you by Erudio enclosed a number of letters that were issued to you throughout 2016, in which they clearly informed you that your account was in arrears. These letters made it clear that the client wished to work with you to agree an affordable repayment arrangement and that failure to do so may result in a Default being registered against you. Unfortunately, they were unable to reach an amicable resolution resulting in a Default being registered on the 12 January 2017.   As such, whilst I apologise if you feel that our client deliberately delayed issuing the Default in order to prolong the limitation period, I assure you that is not the case. As set out above, Erudio are contractually obligated to allow a 60 month period between the last deferment date and the account maturity date and acted in a fair and reasonable manner by allowing an additional 10 months after the account maturity date to give you the opportunity to resolve the matter before the Default Notice was issued.
    • Yeah OK no worries but I did send NCO some letters which you deemed as freeman twaddle or whatever you said previously.   I'll include everything NCO related and start putting things together.
    • Hi All,   I have looked at totally money, equifax and experian and its not on those but it is on the clear score credit file,   I have asked for another copy of the high court writ, it seems to of disappeared of my email server.   The only thing i am worried about is that they have a writ that i would assume gives them powers of entry etc, i had asked them prior to there visit by email to CES not to just come and turn up without a prior appointment but yes they did just turn up.   The Mrs is really worried that if i don't make the payment next Friday or if I make a set aside claim that they will be back with vengeance.   Regards
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gordylar vs HSBC ****WON****


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Get in there.

full offer received.

Arrived home today saw the letter from DG and thought it would be about the judgment. Imagine my surprise it was a full offer from 6 years from the date of my claim with mcol. :D .


Gobsmacked I think at this moment.

Will certainly make a donation to this site as soon as funds are in acccount.


Mam Lattie, Sis Netty



and to all the others who have helped me along the way.




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:!::-) :-) :-) :-)

i just didn't think this day could get any better.

i might cry! i am so happy for you.

mrs gordy must be ecstatic! give her a big hug and kiss from me!

details pleeze - i'm a glutton for punishment - no mention of the hoopla over the pressed button - just a full offer - nothing off! i'm gobsmacked and very, very pleased for you.

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just because you're special - don't think you'll get away with starting another thread! we want this whole story together - get a mod to merge it and get it moved to the success stories - the whole story needs to be together to get a clear picture from beginning to end - you naughty boy!

you rich naughty boy!

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congratulations gordy.!!! well deserved...

[FONT=Comic Sans MS][SIZE=1][COLOR=purple]S.A.R. sent 30 October-reply received 10 november[/COLOR][/SIZE][/FONT] [FONT=Comic Sans MS][SIZE=1][COLOR=purple]Prelim letter sent 28 november- no reply[/COLOR][/SIZE][/FONT] [FONT=Comic Sans MS][SIZE=1][COLOR=purple]LBA sent 13 december- no reply[/COLOR][/SIZE][/FONT] [FONT=Comic Sans MS][SIZE=1][COLOR=purple]MCOL filed 30 december- issued 02/01/07[/COLOR][/SIZE][/FONT] [FONT=Comic Sans MS][SIZE=1][COLOR=#800080]loveletter from colin received 02/01/07-saying will get in touch on feb 9[/COLOR][/SIZE][/FONT] [FONT=Comic Sans MS][SIZE=1][COLOR=#800080]acknowledged claim on 4 jan- has until 1 feb to defend.[/COLOR][/SIZE][/FONT] [FONT=Comic Sans MS][SIZE=1][COLOR=#800080]defence entered 31 jan 2007[/COLOR][/SIZE][/FONT] [FONT=Comic Sans MS][SIZE=1][COLOR=#800080]offer received 1-2-2007... still waiting for the moolah though:cool: ...[/COLOR][/SIZE][/FONT] [FONT=Comic Sans MS][SIZE=1][COLOR=#800080]and moolah arrives 1-march 2007!!! Praise the Lord!!!![/COLOR][/SIZE][/FONT]

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Well Done I Cant Wait For My Big Day

If i've been helpful in any way....then tip my scales over there!

MCOL Filed 26th Feb 07


Defended 26th March 07:rolleyes:

PRT @ Cambridge 13th July 07:wink:

1st May Full Offer:grin:

Cheque arrived 16th May8)




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Cheers guys a great day yesterday,

now just need to cross out all the garbage about the confidentiality and the agreeing not to make further claims. Might tell them that I will agree to no further claims against my account, if they agree not to make any further UNLAWFUL charges :D , will also offer my silence for a small fee :D .



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Well done!

It must be so satisfying to be a winner! Bet you cant wait for the cheque? How long did it take you from Prelim to now? if you dont mind me asking?

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It certainly is,

and you will be very soon too microdotster,

Sent off my first letter on the 21/12/2006.

was a bit unsure at the start, but when I joined this site it sort of empowers you and give you the confidence to deal with this and to get your loot back off the looters that are the banks.

Good luck with your cliam where are you at the mo with yours?

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Ive just issued my MCOL for £2.4k and waiting for to be served. Also doing a claim on (sc)Abbey for £5k, MCOL is due for this on Monday. :D



Wow just realised you settled in just over 2 months, thats pretty good going!

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use this as a starting point (and don't halt the claim until you see the money)



Dear Whoever

Ref: Your Offer of Settlement


Account: xxxxxxxx

Sort Code xx-xx-xx

Claim No: XXXXX in XXXX County Court


I acknowledge receipt of your letter date xx/xx/xx and your settlement offer of £XXX


I accept your offer as full and final settlement only for this claim of bank charges made on my account between xx/xx/xx and xx/xx/xx(dates of first and last charge)


I accept this offer without prejudice and I reserve the right to make any further claims should you apply future charges that may be considered unlawful under common law or in violation of the Unfair Terms in Consumer Contracts Regulations 1999 or Unfair Contract Terms Act 1977.


I will be willing to withdraw my claim upon receipt of unconditional full settlement of my claim.


I am also not prepared to agree to any confidentially clauses you try to impose, unless of course your client wishes to make an offer of due consideration in addition to the amount of £xxxxx, in order to be afforded this privilege by myself.


I trust that you will find this arrangement acceptable.


Yours Sincerely

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Thanks Lattie,

mrs gordy was over the moon, she never really believed that we would get the money back, but she did start to wonder after the first offer and then realised it was a distinct possibility after the second offer. Then after my exploits with the judgment button thought that I had cocked it all up. Then when I showed her the letter from DG yesterday she asked if I wanted steak for dinner and an early night...............!!!!!!!!!!!!!!!!!!


Then I woke up.



Ha Ha Ha.....only joking on the last bit.


p.s pm'd a mod earlier too.

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Will probably have it paid into my account then move it on wont hav eto wait for the cheque to clear, never can tell with HSBC it might bounce, then I would have to charge them :lol: .

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Well done Gordy.

Thread title duly ammended as req.and 2 threads merged.

Another happy HSBCer !!!!

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.



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