Erudio/Shoosmiths Claimform - 1995-98 SLC Loans - ignored or returned everything since 2013

[PercyPercy]

Thanks DX, that's good to know.

Will have a good read of the other posts tonight!

 

Best for now,

P

[PercyPercy]

Hi there,

 

Its been quiet on the Erudio front,

 

a short while ago,

I received 3 separate letters from Erudio notifying me of my arrears.

One for each of my three loans.

 

I've attached copies of the letters (all the same) and a copy of the insert that was with each them in one PDF for your information. 

Nothing from the Small Claims Court, so haven't done anything, beyond posting here.

 

Wondering if its useful to post this sort of stuff (don't want to waste your time) or only if it looks like action might be resumed.

 

Best wishes,

 

NOA0419 v2.pdf

[AndyOrch]

Notice of Sums in Arrears....they are required by the CCA2006 to send you this information regularly.

 

See section 86B of the CCA1974 

[AndyOrch]

Open

[PercyPercy]

Hi,

 

After a long period of inactivity I received the attached letter from Drydens Fairfax (I had a letter from them back in September informing me they had taken the case on from Shoosmiths - can attach if helpful)

 

I've read other posts around this (seems something similar happened to chilly79) and my understanding is that this is safe to sit on until/unless I actually hear from the courts that the stay has been lifted. 

 

If there is anything that would be useful to do instead of just sitting on my hands though, please let me know!

 

Best wishes,

 

Percy

Drydens_Fairfax_Jan_2020.pdf

[dx100uk]

conveniently doesn't address nor mention the most important bit of your defence which is you've never earned above the threshold.

and ofcourse although it is p'haps of little real legal worth, it could be interpreted that they issued the claim solely to halt the SB clock, because its now well passed that date too.

 

dx

 

 

[PercyPercy]

Thank you for giving this your attention DX, that's reassuring to hear given the quip about an Application for Summary Judgement! 

 

In your experience, would never earning above the threshold count for enough if it did go to court?

 

[dx100uk]

we've not seem them ever return once a case has been stayed, and I would hedge my bet that not earning above the threshold along with this now being SB'd (but carefully note the claimform issuance stops the SB clock, legally speaking) those 2 reasons could well be good persuasive matters to a judge.

 

another thing to remember here is the 25yrs rule and your age? re write off typically whichever comes first.

[PercyPercy]

 I'd be at the 25 year mark for my first year loan, and then the subsequent ones over the next two years. 

 

Thanks for your insight.

 

xx

[dx100uk]

your age?

 

[PercyPercy]

44

[dx100uk]

ok so age 50 doesn't help

but the fact the last loan takeout will be 25 soon is another +point

[dx100uk]

open

 

[PercyPercy]

Thank you

[PercyPercy]

Drydens Fairfax Nov 2020 redacted.pdf

 

 

I received the above letter last week. More threats to lift the stay, and a Financial Statement to complete.

Given the similarity in nature to the last letter, and your previous comments DX, I'm not feeling anxious about it, and will file it. 

 

Does seem particularly rotten to be sending these sorts of letters out to people just before Christmas in a year which has been especially hard on pretty much everyone.

 

Thank you

 

Percy

[dx100uk]

begging discount letter wanting you to fund their xmas party drinks bill no doubt.

they tried the same on you this time last year...

 

and ofcourse you arent the only one to get these.

[PercyPercy]

I do hope no one falls for it.

Quite. I do hope no one falls for it!