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?

Hi DX, Well... It's been about 3 years since our last conversation. I currently have a claim for old student loans which have been sat in the courts since June 2019. Your last message to me was to let it die! I 've just opened the post and have received a letter from the courts titled 'notice of transfer of proceedings. It states the claim has now been transferred to the county court at Newcastle for that court to hear the claimant's application for summary judgement. It then says it will send me and other parties notice of dates, times and places of hearing. They (dryden fairfax) then sent their application notice along with a load of the usual copies of agreements etc. My concern is that they're applying for the stay to be lifted, defence to be struck out pursuant to cpr and for summary judgement on the whole claim. Costs order to be made and they've also stated my defence holds no ground. Any ideas what I should do?

That's fantastic. I've had the old discount letter before but I was just concerned about the 'lifting the stay PART' when there isn't a stay on MCOL. I'll not do anything with it as usual! Thanks DX

Thanks for unlocking me! Hope you're well?! So Erudio got back again with exactly the same letter claiming to lift the stay etc. As I mentioned on the other thread. The last entry on MCOL was stating my defence had been submitted. There was no record that it is stayed on MCOL. Just the claim and the defence submitted, nothing else. This was back in 06/19 if I remember correctly. I'm starting to think these are just generated letters that seem to get spewed out by Erudio. Surely if they could do something, they would have done it by now? As they have a MCOL claim submitted does this effectively stop the clock. I believe it is very much over 6 years anyhow. I always keep an eye on MCOL for any updates but doing nothing seems to work quite well at the moment. Any advice would be fantastic. Thanks

I've had the same hassle with Erudio. Received the exact letter in the post a few days ago. The last status on MCOL is that my defence had been submitted. I don't even think there is a 'stay' to be lifted. I'm 99.9% certain the loan is statute barred anyhow which I used in my defence. Same as yourself, they sent me a blurred copy of some loan agreement from the student loans company. I'm probably just going to ignore it anyhow and keep an eye on MCOL. The loans they're chasing are 25 years old now. I've read that they're dead and buried now according to Martin Lewis! Like yourself, I'm just fed up with them!

Understood dx! That comment nearly made me spit my tea out! I'll just keep an eye out for any letters coming through the post. My lake is calm again.. Thanks

Hi dx Tried ringing earlier on and there is no record of my customer reference number which was on the D10 form. Tried registering on the Gov slc website but no luck. Looks like it must be an old loan which they don't have the details for any longer.

Thankd dx. I tried logging on but as I've never used the portal it looks like I'm not registered to use the service. Just thinking on. The D10 form that I filled in on 08/13 may not have even got to deferred status. I only signed it and didn't fill anything else in such as proof of income etc. I'd imagine they would have wanted some further information and from the very pit of my memory I do seem to recall receiving a letter requesting this. However, I can't be sure, but I know I wouldn't have filled it in. Maybe Erudio have used this D10 form, claiming it was deferred when it wasn't. Is it OK to ring the SLC to find out when I last deferred?! I'd presume it is as the debt isn't with them any longer? I just don't want to put my foot in it! Great information on here by the way. Fantastic site. Cheers

That's great dx cheers. I'll keep swotting up on here to prepare myself. I think the last letter that they sent was to see if they could trap me into setting up a payment plan with them. I'll just wait to see what they do on their side first. thanks so much.

Hi All, To give a brief summary of the drama, I have 2 old student loans taken out /signed for on 27/02/96 and 17/07/96. Both totalling just over 3k. Some years deferred, some years didn't and paid the minimum payment. Moved around a great deal and lost contact. The last time I deferred and filled the D10 form in was 19/08/13 with SLC. Then Erudio took over and I received their Notice Of Assignment on 02/04/14. Ignored everything after this. No contact, no payments, nothing. Then came Dryden Fairfax who's letters I ignored thinking it was just a DCA. Then a court claim came on 03/06/2019 which made me sit up a little! I had a read up and came to the conclusion the debt must be SB'd so I submitted my defence within the time limit. My defence was mainly on SB grounds and that I had no dealings nor signed any paperwork with Erudio. The total amount claimed was £4969.25. The court confirmed they had received my defence. I have checked on the MOC website and the defence submission by myself was the last activity. 2 YEARS LATER! (07/21)I receive another letter from Drydenfairfax. They claim in a nutshell that my limitation defence had no merit. This is due to the deferment being August 2013 and the claim was issued on 03/06/2019. They state that they require payment by Aug 2nd or arrange a payment plan which may be formalised by means of a tomlin order. They then go on to state that they will have no alternative but to apply to the court to lift the stay on the proceedings without further notice. They say that such an application will include an application for summary judgment. Their letter included the D10 deferment from Aug2013, my two credit agreements (both of which are illegible and have amendments to my name. One of which is addressed to the college). And their notice of assignment letter. So I'm presuming that the claim is stayed by the court as nothing has happened. I have no searches or judgments on my credit report. It's squeaky clean! I'm just really wondering where to go next with this? My thoughts are just to wait for any letters. Ignore everything from DrydenFairfax and just submit another defence of statute barred if I receive anything else from the court, as this looks like it was accepted first time round. Surely it must be quite difficult to get a stay lifted too. I'm assuming too that the debt was statute barred or if the claim date has stopped the clock. If so, what about the two years of no contact by Fairfax? Any help or advice would be greatly appreciated. Thanks