Hi, So I rang student loan company today and requested the dates of the times I deferred my student loan. They said they had no information regarding the loans as they were now with Erudio. The paperwork that Erudio has sent me in relation to the case. Has nothing about deferment dates. They do have student loan statements running right back to the start of the loan but nothing else. I'm starting to think that the paperwork they sent me through that is everything they have. As I mentioned before I'm pretty sure the loan was sb'd before Erudio took over but it doesn't look like they can prove it was deferred prior to this. Obviously, I can't prove that I didn't defer them but my statements show no payments were made. Any idea where I should go from here? Student loans said to ring Erudio but I wasn't keen on doing that until I asked you. It's certainly looking like all the bumph they sent me is everything they've got. thanks

Thanks DX, I'll give them a ring and find out. Yes, they were the same loans. So hopefully it will be double sb'd! My worry with the more recent sb'd period is the signature of the application to defer is a few months within the 6 years. A payment was also made in August 2013 to SLC. I have no recollection doing this at all which I find very odd. Erudio then whacked in the court claim just a few months before the 6 yrs was hit. I've read that this stops the clock.

Yes, I have a court date at the end of October. I'm just looking through all the docs that Erudio sent through and by the looks of it they do have a signed D10 form dated 19/08/13. Not that I have any recollection whatsoever of signing or filling anything in. The claim form from the court was 03/06/19. Does this mean it isn't SB'd? The other thing I've noticed when looking through the SL statements of account is the fact that there were no payments made at all from 1996-2008. I'd imagine that when I was at Uni I would have deferred for a few years but from 2000 onwards I just can't recall filling anything in. I wasn't the sensible individual I am today! Would this mean the debt was already SB'd all the way back then anyhow? Just on another note. I have nothing listed on my credit file and it's been squeaky clean with a high score for a good 20 years now. There has never been anything from Erudio or Student loans etc appear on this.

Hi, That's great I'll wait for that to arrive. As Nurselayer has just mentioned requesting the full CCA S77 from Erudio? I haven't done this. I did notice in the pack they sent me that there are just a few really bad photocopies of the agreements. On one of the loans it has had the name amended and is handwritten with only the name of the college. My address isn't even on this form.

Hi DX, I have had a good look through all of my docs sent from Erudio and the courts. I haven't found anything about writing a statement. The only form with N244 marked on is the application notice which has been filled in by Erudio. Will the courts send more documentation out requesting a statement? I just want to be prepared for going in. I noticed they said I made a payment to the original creditor on 28th Aug 2013. I can't remember doing this at all but I'm pretty certain the debt is still statute-barred which is my main defence. Any advice on what to do in preparing for the big day would be great! Many thanks

Hi, I've had a look at some posts on here but can't find much about what else I can do until my court appearance. I can't actually remember if I sent Erudio a CCA request. I think I may have done as I remember sending something years ago but obviously, if I haven't got any evidence of doing so it's pointless anyhow. Any guidance or advice would be greatly appreciated. Thanks

Many thanks DX. When I filed my first defence I just looked at examples on the posts from other people in the same situation. I'm obviously very new to this but I'll check everything out on here with you before acting. Going forward, I'll have a good read-up on here as suggested. I will attend court when the date arrives. Is there anything else I can do in order to prepare? I have to say you all do a fantastic job what you're doing. I'd be even more clueless without this forum!

Hi There we go. Finally managed to get everything over. Thanks n244 full.pdf

Hi DX, No, not since May. It was the back end of June when I received everything. I'll get everything over to you again. Thanks

Hi, My apologies. I have received the N244 forms which were sent in a letter with the notice of transfer of proceedings on 23rd June. I received the same bundle again this week along with the letter for the notice of hearing in October. MCOL doesn't let me log on anymore as Newcastle court said their system is very dated. n244.pdf

Hi DX. I'm a tad stuck! I've worked out how to combine all the docs into one PDF. I was trying to send over the 30 pages of info I just received from the court. All the correspondence that Erudio has sent me and statements etc. I haven't received any N244 documents. There is a letter in the bundle from Erudio saying that they would apply to lift the stay without further notice. I have also received a summary judgment hearing date from the court.

Hi all, Just received a court date for Summary of Judgement on 24th Oct 23. It said 1 hr for the hearing. Any idea what I should do in order to prepare for all this? I haven't got a clue what to do. Never encountered anything like this. I was under the impression that the whole thing was stayed and couldn't proceed any further until they applied to lift it. Or has this already happened? I'm just in the process of preparing all the documents to send over to you to have a look at. Any advice would be great. Thanks

Thanks, DX. I'll do that as soon as I can. I rang the county court at Newcastle today and she said there's a 3 month backlog on all the paperwork evidence, so it doesn't look like anything will happen fast. I used to check it up on MCOL but she said that as it has transferred to Newcastle they use a very old system so it won't work.

Hi DX, I remember you helped a great deal last time. Hope you are well. I received a notice of 'transfer of proceedings' from the business centre to Newcastle upon tyne. My claim has been stayed since 2019 and Erudio have put in an N244 application to lift the stay, defence to be struck out, a summary judgement and a cost order. They claim my defence does not raise any grounds with a reasonable prospect of successfully defending the claim. I have regularly kept check on MCOL but haven't been able to get onto the site for some reason. I tried registering again but as I'm self employed I have several gateway IDs due to staff, vat etc. No DX, I haven't moved since it was passed onto the courts. Still at the same address.

How do I explain my situation then?