Erudio/capquest chasing/offering discounts to settle missed deferment loans - Scotland

[dx100uk]

You are being had blind.

 

eruido are Arrows DCA, and capquest or anyone else are just a diff bloke in a diff coloured skirt sitting at a desk nearer the bog.

 

when did you last successfully defer ?

what was the last year of your loans?

how old are you now?

 

ive moved you to the slc forum

100's of erudio threads here to read

i suggest you get upto speed by reading a few 10's

 

a dca is not a BAILIFF

and has

zERO legal powers on any debt..no matter what its type..

 

where are you getting all this bs from... I hope you have not been talking on the phone??  Cause they lie!! And will never put their lies in writing as like before when Erudio were fined by the fca/fos.

 

DX

[dx100uk]

please take the trouble to add blank lines and paragraphs to your posts

that's 2 i've spaced for you.

 

wheres this they want background info request come from ..over the phone or by LETTER 

[dx100uk]

thank you

well im really surprised that if you've read other forums and read here, inc my content, you grabbed the phone and let yourself be scammed by BS.

they have no right at all to any of your personal data , STOP PHONE CALLS TO ANY DCA.

 

this also concerns me...

 

2 hours ago, Rubyblue said:

My loans have all defaulted and being 'managed' by another DCA but still owned by Erudio.

 

they are not ANOTHER DCA, they are the same one ARROWS, just differing desks under differing trading names.

 

have you ever earned above the SLC payment threshold on the years you 'forgot'  to update  with your correct and current address?

 

i say this because your actions put you in SERIOUS risk of backdoor CCJ 's, not only with arrows and this debacle, but with any other debt you had on your credit file or not if you 'used' that source of credit or paid it within the last say 7yrs 

 

have you written to Arrows group informing them in writing, of your present and current address if your last deferment was a different one?

 

 

[dx100uk]

There are numerous cases here like yours, you shouldn't have arrears and you shouldn't be defaulted. Its amazing how many here had letters emails and text chasing them to defer and allowing it late without penalty by erudio. Then others that get this rubbish. Its just a tickbox on a mass spreadsheet

 

pers id write to erudio including slc deferment forms for the years missed, simply explaining briefly your extenuating circs. And let them get on with it.

 

dx

[dx100uk]

Form in this very same forum 

click this forums name right up the top 

 

Dx

 

 

[dx100uk]

a full one page letter is far too much detail.

 

is it too pers to post here what these circs were all about?

 

 

[dx100uk]

Yep know that form!

 

your brief statement above is good enough.. Nothing more is needed.

 

none of their business. The finer details..

 

 

[dx100uk]

No just send it 2nd class post with free proof of posting from any po, if you wish. no need for evidence

 

there are lots of threads here whereby such actions were the end of peoples issues.

 

you seem to be obsessed with court.

 

A dca has no more legal powers than you or i if we think someone owes us money..one of which is a claimform.

 

but they as us must abide by the pre action protocol and 1st issue a letter of claim

[dx100uk]

aha are you in scotland like me then now?

 

[dx100uk]

It's very very rare for erudio to go for a court decree, the process and the differences to assure winning these cases is far harder for them .

 

And out of this comes one thing already...they are saying ccj? when it's a decree so generic automated letters?

[dx100uk]

7 minutes ago, Rubyblue said:

I might be laying myself open to a backdoor CCJ?

well backdoor litigation, but as you are in scotland, that explains why they have not done that as they can't, court papers must be served person 2 person via by officers of the sheriff .

 

10 minutes ago, Rubyblue said:

said that Erudio "may take the claim 'back'"

 

load of ole BS, arrows, erudio, capquest all the same lot ... see they LIE! 

 

10 minutes ago, Rubyblue said:

They said they may then consider putting it back into deferral if I paid off all the "arrears" that have accrued between the end of the last deferral and now. 

 

another lie to get money out of you.

 

11 minutes ago, Rubyblue said:

they didn't use phone to contact people, but that they had now changed their practice.

 

no another lie, they as all dCA's use the phone to extort money out of people by lying and threatening things over the phone that they would be struck off for if they put in writing .

13 minutes ago, Rubyblue said:

They said they may then consider putting it back into deferral

 

they will anyway.

[dx100uk]

it will.

just trying to scam you.

 

please dont pay anything 

just let it run.

 

not lost a scottish claim in person yet esp in the far north area

most of the sheriffs know my work and 3 know me personally now up here

once they see my work, and that im involved, reasoned thought prevails.

 

the scottish legal system is alot lot diff to the E&W system and they don't like play acting on debts

[dx100uk]

You cant have arrears once deferred. And so what, they are a fake penalty anyway.

 

it wont go near a court i bet my bottom dollar

 

and no 25yrs or aged 50yrs as you said yourself in one of your 1st posts

 

dont worry about all that nonsence

 

let things run.

 

dx

 

 

[dx100uk]

forget capquest same lot.

 

 

[dx100uk]

cant hurt you.

 

have you tried to access the webportal on the SLC website with your details

 

some can.

 

might be useful!!

[dx100uk]

well surely as the slc one is pre 2013 thats obv

[dx100uk]

erudio cant refuse them and have been told so by the FOS numerous times.

so what if it states an old threshold, you never have exceeded it, whatever its level across all the years.

 

not sure where you are reading those threads here on CAG? or elsewhere? to know the reasons behind why people are bothering to change the old SLC form. doesnt matter changed or not

 

you also should have picked up that SLC still remain in an overall 'admin' role to this day hence the portal.

 

 

 

 

[dx100uk]

Wont hurt at this time to slc but not erudio as you need to see how they sort the present issue.

no rush pers i'd wait.

 

if all your loans were for the same 'qualifications ' they should all be a chain under the old scheme.

[dx100uk]

No why?

2 diff orgs

[dx100uk]

Only the sheriff can judge that. If it ever went to court.

Stop stressing out about stupid court.

the number of Scottish student loan cases here can be counted on one hand i n 16yrs....enough!!  Move on with your life please

[dx100uk]

How many more times...

capquest are erudio, erudio are Arrows group.

 

Please stop stressing over a bunch of powerless fleecers ..

you might not ever hear at all again from them on their next attempt to scam someone dangling on an imaginary string.

 

 

[dx100uk]

nothing

just a notice they are required to send as they consider themselves a creditor..

 

 

[dx100uk]

if the arrears are 'real'

don't believe anything they say .

 

dx

 

[dx100uk]

no thats what this forums is for.

 

you seem to be endlessly doing the job of the fleecers and finding ways you might come off worse.

 

you must remember they are not in the least bit concerned about you nor you situation, you are a single line in a spreadsheet that get automated crap thrown out because you might have done something 'wrong' on their automated system. 

 

when all is said and done with proof, time and again, you were are like 100'000's of others, for some reason a deferral failed to happen, when in all truth you were not above the threshold anyway and didn't owe anything.  let their silly system run it's course. if push comes to shove its an FOS complaint, and there are numerous example on their site and rulings, which deemed these situation and arrears unfair and the matter was resolved.

let the 25yrs keep ticking.

 

go enjoy your life

stop being a DCA mug.

 

dx

 

[dx100uk]

 

you should be reporting these texts as spam to 7726

blocking and bouncing all their email addresses

and phone numbers.