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

[Rubyblue]

Ok thanks for your response.

Is it best to simply ignore and get on with my life or is there any action i should be taking?

 

 

[dx100uk]

if you go read like threads, then you will be better informed.

 

what action do you think you could or need to take? 

 

dx

 

 

[Rubyblue]

I'm a pretty anxious person, so every time I get a new letter, it sets off a panic.

 

I've read so many threads here and you've given me lots of advice over the past year, which I very much appreciate. 

 

I just want it dealt with. I worry that they'll somehow get me when our family is in crisis as we have very precarious jobs and my partner's health will always be in the balance.

 

What I've taken away from reading and your advice is:

 

1. I'm in Scotland, so you can't get a back door CCJ and they have my up to date address anyway.

2. They are unlikely to ever take this to court as they can get plenty money through their current processes of intimidation and lying.

3. If they did take me to court, it's your experience that they would.have no success.

3. When I reach the point that my loans would have been written off (in about 4 years), I'm still not clear what will happen. Will I have to live with this hanging over me forever?

4. I still can't figure out what the worse case scenario is, so it feels overwhelming. 

 

I'm also about to move house and it's my understanding I should let them know of this change in writing--is that right?

[dx100uk]

ah one of the worst case merchants..

there is nothing like that that can ever happen in these SLC situations.

ive not ever seen a single scottish slc claim anyway.

and even if there were it wouldn't be anything serious at all nor affect anything else like jobs family global financial status.

 

as for write off at age, jump that when you get there.

 

you must let ALL creditors/debt owners including the DVLA (X2 car+your licence) of your move , that means any type of credit or anything you last used/paid within say 7 yrs to be safe. even though you are in scotland.

[Rubyblue]

Yes, I'm a total panic merchant so thanks for your patience!

 

I will change my address with them, and everyone else.

 

It's very very reassuring to have you say this will not affect my family's financial security. Thanks so much for sharing your knowledge.

[dx100uk]

no i havent indicated that.

 

listen, your mental health issues are NOT AN EXCUSE to do stupid things, stop using it as one that controls yours and everyone elses life to detriment...wise up.

it simply results in you panicking and doing something you know you should not ...like ringing Erudio before came here.

 

 

[Rubyblue]

Ah sorry, what have I misunderstood?

 

I thought you said that even if there was a SLC, 'it wouldn't be anything serious at all nor affect anything else like jobs family global financial status.'

 

I was reassured by that and said that I would update my address when I moved.

 

what have I got wrong?

Edited October 6, 2022 by Rubyblue

[dx100uk]

that no-one has a crystal ball....

[Rubyblue]

Do you mean that doing nothing could have an impact on my family's security?

[dx100uk]

again where have i said that...

if you had done nothing in the first place, you might well have been in a better position now rather than having to back peddle and correct that 1st mistake you made putting you back in control.

 

sit on your hands, forget about it, till next deferral, yours is not the next move till then.

 

dx

 

[Rubyblue]

Yes, that's what I said in post 80! That I'm glad to be reassured that the worst case scenario of a SLC claim "wouldn't be anything serious at all nor affect anything else like jobs family global financial status." Thanks! I understood what you said in post 79