letter received from good old carpquest,
those selfless souls
(I think an 'r' needs adding to the start of that word for them) who are toiling thanklessly away on behalf of their [heavily connected] client, Erudio [arrows], in relation to a claim for student loans.
Following a number of 'you owe this amount, please contact us' style letters, this latest letter seems more decisive regarding potential court proceedings by Erudio.
Which is why I need a little help:
====>
NOTE: Is it possible to add the original letter text here for only admin to see?
====>
Is this the 'next level' of scare tactics? Or is it close enough to a 'letter before action' to start making definite court defence preparations right now?
Because rather than using words like 'may' or 'might', the letter states:
"If we do not receive contact from you...our client will be instructing a solicitor to commence court proceedings..."
"...should no contact be forthcoming...your account will be passed to our clients' solicitors..."
As Erudio has already stated that this account is dealt with by capquest, then are those words as good as coming from Erudio itself?
Of potential note though is that the requested action stated in the letter is based upon 'contact' and to 'engage' with them - not in 'making payment' to them.
Just as background to this particular situation:
I didn't continue with deferment once the government sold on the loans to these Erudio.
Instead I refused to acknowledge the loan (in writing) along with a CCA request.
The (eventual) paperwork I received merely showed that any original documentation was poorly micro-fiched, incomplete, and partly illegible. The rest was, of course, 'reconstituted' for the purposes of the CCA.
Following that I have not responded in any shape or form, other than to receive their letters of default, phishing letters, and 'passed on to caquest' notices.
I'm not in panic mode or anything, as I decided to see things through this way
- whatever the outcome
- when refusing to acknowledge Erudio's dubious acquisition of loans in the first place.
But any advice on what options/steps to take next in this situation would be greatly appreciated.
Thanks for your time (and apologies for anything not made clear enough).
PS:
What's the best way to add content from the letter itself (if required) for limited viewing?