I spoke to Erudio a few hours ago and they confirmed on the phone they have my current address and that they previously had an old address that was changed with them on 10th May 2017. I queried why have Drydens sent all the paperwork etc to my old address which you have confirmed with me was changed on 10th May 2017 (this was basis of my complaint but thats still ongoing). I recorded the phone call so I am of the mind now to send that recording to Drydens to show them that clearly they have the wrong address. Wise move or wait until Erudio come back to me?

Well clearly they arent going to revoke it, its pretty adamant from them now They dont admit an address error though. If they were given the wrong one from Erudio how do I prove I havent lived there for 8 yrs, I do still own it though and its rented out on airbnb.Is it for me to show I dont live there?

I just got a lengthy response from Drydens saying they were given my address (call it address 1) by Erudio and therefore they had no reason to believe it was incorrect ( I tend to agree). They go on to say that no mail was returned to sender so they had no reason to believe it was the incorrect address. They went from an instruction on 30th March to a CCJ on 24th May. Pretty quick. They also say I didnt provide proof of change of address, which I did to a letter directly to Drydens, which they acknowledged response to, so not sure about that. To me it seems they went about it correctly but to the wrong address but they only went on what they were given from Erudio, it seems I have a separate complaint with Erudio about why the incorrect address was given and I am thinking they will come to a conclusion on that shortly (Mid Sept). Drydens say I can complain to FOS (I know that will take forever, 6/ mths they are working on those cases). Drydens say they have done nothing wrong, I think they are somewhat right as they can only go off info sent from Erudio. Any change of address I made was with me and Erudio not them. Shall I wait and now see what Erudio say?

Ok thanks for that, I will give it a few days but another email received later on Friday from Drydens saying its not their issue its erudios and then asking for proof of address change, already sent and Drydens acknowledged receipt of that letter (sent recorded). I did remind Drydens that its them the complaint is with, they sent letters to an incorrect address, had they even sent them to the address Erudio had I would have received them, they sent to an address that I moves from 8 yrs ago. They have said they have8 weeks to investigate the complaint starting 25th July, so 19th Sept is deadline. I can wait another 2 weeks and its clear they will drag out till then, they have told me so. I do want to issue the N244 though but do you think I should just give them the time?

Called Drydens and Erudio, both of whom say its not their issue and they have passed on to each other, so in July Drydens told me that is was a complaint for Erudio to deal with and they have washed their hands of it. Erudio again today have said its not their issue and its for Drydens to deal with, so both have sent to each other. Anyway they have both raised issues at each end to investigate with their complaints department, I am minded to give them a week or so to look into it but its getting a joke now and I just want to move forward and get it cancelled myself with the N244.

I got no response from Erudio, I did get a response and acknowledgement from Drydens who have said they would send it on to their client and my account is on hold. My account being on hold is of no consequence, I still have a CCJ against me. They have now had 9days. I think I need to move to the next stage, thoughts are do I call them and sound them out, are they dealing with it etc? do I give them a few more days? They afforded me no such luxury. When should I move forward with my threat....? tomorrow next week? What do you think. Thanks

Great, all sent thanks again. I don’t really want them to respond, keen to fight this in court…. Up for the fight….

Love it… will send. email is OK right.

Ok, FCA response times to a complaint are 8 weeks max, so as of 1st Aug that’s 4 more weeks. but…. Is this and FCA complaint? In my eyes we have a self imposed deadline of 14days as it was for a legal issue. I want to pursue this so I am thinking I will initially email them this. Thanks for your response, as you will note this issue has arisen due to drydens issuing threats and legal proceedings to incorrect address which I am asking you to investigate as to why this has occurred. It should only take a matter of hours to investigate such an issue. Drydens offered me no such time to deal with this matter so I am of no mind to offer a similar olive branch to yourselves. Whilst you delay your response , I am waiting with a CCJ against my name which has been issued under false pretences. I am unable to remortgage my house and am the implications of your actions are extremely costly. should I not hear from you in the next 7 days then I will carry on with my section xxx and ask for costs to cover the consequences of your vindictive actions. thanks

Yes all by email. got an email today saying that Erudio are investigating my complaint and are still looking into it and it could take another 8weeks? Im minded to move to next stage, they gave me no time, why should I return favour?

I sent the letter and they have told me as soon as they received it that the case was put on hold whilst they investigate the complaint. We are now past 14days (do we mean calendar days or total days?) do I wait for them to investigate the complaint (how long is that?) or get on with my threat and raise the N244? Thanks

I need to get this letter out to them, they have now started a complaint about the address details which they are investigating with Erudio but not based on the Portugal address, this was as a result of the call on Monday. I need to write them a demand, here is my plan for letter, cant actually see anything to give me an idea as what to write but will try keep it brief. Dear You have falsely and incorrectly had a CCJ issued against my name, I had no chance to defend it as all your correspondence went to an old address which according to Erudio you were fully aware was an old address. My address is xxxxx I changed this address with Erudio in 2022, see the enclosed email confirming this sent on xxxx I demand that you cancel this CCJ by a consent order immediately free of charge to me. should you fail to action this within 14 days, i will without further notice proceed to court and raise an N244 set aside at full cost to yourselves inc compensation and for damage to my credit worthiness . to be clear, you raised a court claim resulting in a backdoor CCJ using an old UK address when your client had previously acknowledgment by return of my written notification of my address and permanent residency in Portugal. you have 14 days. Will that do? Also, can I send all this on email? or would a letter be best

Key - to follow address 1 - Parents UK address, I can see this post parents will pick it up and scan it to me Address 2 - Still own this property but don’t see the post for 6/9 mths. Address CCJ info went to and that Drydens have So I spoke to Drydens and Erudio today, Erudio confirmed I changed address to address 1 in 2021, which is on their file. Then it moved to Drydens and Dryden have been sending letters to my old UK address, address 2, therefore getting this CCJ. After more probing with Erudio as to why Drydens would use an old UK address to send this to Erudio said a letter was returned in Jan 2023 saying ‘ no longer at this address’ don’t understand why as my parents did not send anything back and have always opened mail to address 1. For note Erudio have on file address 1 when I call them to verify my security. Erudio have no record of me changing address to Portugal, I do and have a receipt. So failing the incorrect Portugal address, the UK address was still incorrect. Spoke to Drydens on the phone, told them they should be cancelling the CCJ by consent due to incorrect address and the fact I am a non-uk resident. They weren’t very receptive to cancelling it and pointed out they need some kind of evidence to just cancel it, fair enough. I put in a complaint about the address and asked Drydens to investigate why they have the incorrect address. I suppose next step is to demand they cancel the Consent, in the demand I will need to point out the fact they have incorrect address and also that I provided address changes in 2021 and then in 2022, although they still used address prior to 2021.

I hear you, I will go back and do a bit more research on perhaps the best way to phrase a letter. I do have my reservations about any positive response though, what’s in it for them? Literally nothing as I see it. A quick note though, don’t they have to set defaults and other things before they go straight for a CCJ, they have literally only sent me one letter on this. What’s the protocol, the CCJ claim says the claimant has complied with the pre-action protocol. Is that just one letter sent from the solicitors, surely got to be more to it than that?

I meant moved from a student loan, ie cancelled that after deferment was not agreed to. the CCJ is on my credit file already, I can see after looking. next stage is either writing to Drydens to ask them to cancel it based on wrong address, I would also like to know why they are writing to a different address than Erudio used an even older address. I think I will call them and ask them about the address details they have on file. I am not holding out much hope with a letter asking to cancel the CCJ based on wrong address but if that’s the best thing initially then what is the recommendation on how I word such a letter. Timeline from Dryden 11th April - Letter saying get in contact and if not then they may issue legal proceedings, that’s it nothing else. 24th May Claim form from County Court 21st June County court judgement 1 letter from Drydens then straight to CCJ, is that right? Idea for initial letter to Drydens Simply Dear Sir/Madam As you know I am a Portuguese resident and reside in Portugal, I came back to the UK on 20th July (proof can be provided). I was given a letter from you dated 11th April which was sent to an address I vacated in 2015. Erudio have been corresponding to me via email address and via my parents address at xxxx. I have also been given letters about a claim form from the courts and judgment from the courts dated 21st June. Obviously it has been impossible for me to have the ability to defend or act upon these letters as I have been out of the country as Erudio are well aware. I informed Erudio on 6th May 2022 of my correct address, see the enclosed copy of the email and read receipt from Erudio. Erudio declined a deferment in 2021 after they were provided with exactly the same information as I had been providing both them and the SLC company every year when a deferment was due. That ongoing saga is now in the Hands of the Financial ombudsman who are dealing with the complaint. I ask that you cancel this CCJ based on the above information and look forward to receiving the conformation as soon as possible.