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    • Hi, this is my draft for submission on Thursday. Let me know what you think   I would like to appeal the decision to Strike Out the tribunal, for the reasons stated below.    I was approached by Maxwell Accountancy to make the claim for expenses during 3 tax years. I did not give FTR Ltd any such authority and nothing was ever mentioned about the EIS, I had never heard of it.  There are notes on my file where I called in and asked for other tax years to be opened up because I believed I was claiming expenses linked to those tax years on my call to HMRC that was all that was mentioned.   My earnings in those 3 tax years wasn’t enough to justify making the investments FTR Ltd say I made.  The Ltd Co they say I invested in has the same director as FTR Ltd.  What was it that prompted HMRC to investigate my case?  Was it because the officer thought that the amount of investment outweighed what was possible on my salary?  Did the officer doubt my ability to afford such an at-risk investment. No checks were made whatsoever.   Any information delivered by an approved method of electronic communications on behalf of any person shall be deemed to have been delivered by him unless he proves that it was delivered without knowledge or connivance. The funds were requested to be sent to a nominated bank account given by FTR Ltd in a bank account in their name, I didn’t authorise them to do that, and subsequently I found out 12 months later that I only received 1 third of the full amount.   I did not see, review or sign any form for any claim with Alan Maxwell of Maxwells Accountancy. Nor did I see any return from HMRC to say I had claimed to having made any investment under the EIS.  Nor did I see what was claimed by FTR Ltd.  The loss sustained by HMRC was brought about by FTR Ltd and they were facilitated by HMRC’s policy of pay now and check later.   The amount of people who have now been affected by an EIS type fraud is rising and I can refer to other cases where they have not been struck out and have been successful in getting to Tribunal.   
    • Are you sure you can get student finance from Student Finance England for the Course you are completing ?   Is the basis of your thread that you want to defer the previous loan debt from October 2019 to the current date, so you can apply for student finance, if available ?  That seems like a very long shot !   Read the terms of your original loans to see whether they include any terms about backdating deferment. I suspect that the legislation Government passed for these loan types, included strict rules regarding deferment.   If you are not sure, why not contact Student Finance England to ask about backdating deferment rules for loans taken out 1994-1996.    
    • Sorry for being a bit jumbled   For the years after the sell off (2013)  to 2019, when my account was terminated, I had successfully deferred every year to Erudio. I had never had any issues in those intermediate years, only until this termination due to their online portal.   I've read many of your advice guidance and comments and yes, now  I'm fully aware now what these muppets are! Grurr.... Thank you!  
    • Just wow, everyday I read something on this forum that shocks me, fleecers EVERYWHERE.   Very pleased to see your posts go from negative to positive gtn!   As you've learned, CAG holds the truth, most other 'advice' places are mules and shills for the financial industry.   I've no doubt these remaining accounts will poof and disappear very soon if you keep coming back here and following the guidance at every juncture.   Everyone at CAG is an unpaid volunteer and the site doesn't generate a profit - consider donating should you ever be in a financial situation to do so without leaving yourself short, it really helps with costs of site hosting and maintenance.   This thread really made me smile, good luck closing out the remaining vultures and moving on with your life   BT
    • story is a wee bit jumbled... but i will guess you've not ever successfully deferred at all to erudio since the mass gov't sale of all these loans to them. (Erudio is Arrows DCA in sheeps clothing, part of the same group are capquest and ofcourse their in house sols dryden fairfax - hence the outsourced comment - its not actually going anywhere...).....is this correct?      
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1st offer what now, advice please!!


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If you know this aleady then please ignore!


Depending on what stage you are at, i.e prelim you have to wait till the deadline of 14 days expires if that is the time you have given them. Then send Letter before Action, giving them another 14 days to reply and then finally you can go to MCOL! Stick to your deadlines it is important!


Milly X:)

CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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