Emails from DrydensFairfax and letters from Erudio at the same time - re. Old style student loans

[Gentleshark77]

Hello everyone,

 

I took out the old-style student loans from 1998 - 2001. I always deferred as I never earnt above the threshold. 

 

I last deferred in 2013.  In 2014 I filled in the deferment forms, however I lived overseas from 2015 until 2016 and I don't think I ever received proper notification that slc loans were being managed by Erudio. 

 

I have had big gaps in communication from Erudio - however they have recently written to me - a standard letter saying that this is a notice of sums in arrears and I'm behind in payments. And contact details if I want to discuss the state of my account with them.

 

Last week, Dryden solicitors have contacted me. I received an email from a Technical Litigation Officer at Dryden Fairfax. "further legal proceedings may commence without further notice.  This may include an application to the Court to progress the legal action commenced against you. It is also likely that any such application will include an Application for Summary Judgment."

 

I'm confused why I'm hearing from both organisations. What shall I do? I thought about asking Erudio for proof that the sent me a deferment form. Also asking the FCA and Financial ombudsman for advice.  

 

Thanks 

[unclebulgaria67]

Statute barred as 6 years has passed between last ackowledgement of the debt and the current date. Presuming 2014 deferment form is the last acknowledgement.

 

Would suggest notifying them that the old style mortgage loans are subject to limitations act and they are statute barred.  And you will vigoursly defend, if they issued a court claim.

[dx100uk]

sounds like they have already issued a court claim to an old address and they successfully got a backdoor CCJ because you did not defend.

 

have you checked your UK credit file?

 

if you last SUCCESSFULLY deferred in 2013 the debt was already statute barred by the time they issued the claimform.

 

std practice for erudio. sadly.

 

 

 

 

[unclebulgaria67]

Well spotted dx !  "further legal proceedings may commence without further notice.  This may include an application to the Court to progress the legal action commenced against you "

 

This does suggest they already have a CCJ.

 

 

[Gentleshark77]

I wondered why Erudio are writing to me and Dryden solicitors also emailing at the same time. It was only a week apart in them both communicating with me. 

 

Shall I reply to both? Or just Erudio?

 

Thanks for responding to me. 

[dx100uk]

Dryden's are solicitors for erudio, both are part of the Arrows DCA group 

 

Can you answer my questions please?

 

Dx

[Gentleshark77]

I checked my UK credit file and there appears to be no ccj - I looked at experian and equifax and no CCJs. 

 

Shall I respond to the Erudio letter first and I wondered why Dryden are emailing?

 

Unsure what to do next. 

 

I think I need to find out what records the SLC have about my last deferment date. 

[dx100uk]

Are all your old addresses showing in linked addresses section ?

 

If so then this seems like a ruse Dryden's have used several times just to get a response 

 

If you have been getting notice of sums in arrears, then that means they have also adding unlawful fees 

 

To check your deferment, see if you can get onto the SLC portal many still can 

 

Dx

[Gentleshark77]

 

I've checked my online SLC account now - and have an 'End of Deferment Pack from - December 2013 - then nothing further.

 

And before that -  they contacted me was on 4 November 2013 - the letter says that the loan from 97 is deferred for a period ending on 27 December 2013. And if I want to further defer I need to fill in the enclosed form. If I have any further questions I need to contact Thesis Servicing. 

 

There was nothing about 98, 99 and 00 loans and no mention of Erudio. 

 

I don't think I was ever notified that Erudio were taking over the loans. I don't have any letters. 

 

Is it worth asking Erudio what paperwork they have? Is it worth complaining to the Financial Ombudsman and FCA?

 

 

 

 

 

 

 

[unclebulgaria67]

Send SAR's to Erudio and SLC.

 

If it were me I would write to Drydens asking them to explain what they mean by 'further legal proceedings may commence without further notice'

 

Advise them that you have checked and there have been no previous proceedings and as the student loans are subject to limitations act, they are statute barred.   As such, if they attempted to issue a Court claim, you will defend

 

[Gentleshark77]

Urgh - I've just been searching my old emails and I noticed I made a small payment to company called Capquest - who were administered by CapQuest - only £75 in 2017.  I guess that cancels out the SB as a defence. 

 

Well my student loan account should have been in deferment when the loans were assigned to Erudio.

I also never received a Notice of Assignment from Erudio. 

 

If I contact them what shall I say? 

 

Shall I say to Dryden that I'm sending SAR's to Erudio and SLC. If I found my SLC online portal do I need to ask SLC?

 

 

[dx100uk]

slow down.

 

thesis are nothing to do with arrows, they are to do with ONE of your loans sold on to a company called Link Financial , again a debt buyer hidding under a diff name - thesis.

 

capquest are part of the arrows group.

so looks like you got scammed into pay something off one of the loans owned by erudio (arrows dca).

 

the govt sold off some loans before 2013 to honours/thesis, then sold the rest to erudio late 2013.

 

dx

[dx100uk]

Have you moved from the address slc had or the one on your last deferment?

if you Have , have you ever told in writing capquest,erudio or drydens of your correct and current address?

 

Dx

[Gentleshark77]

I don't recall corresponding with Erudio. However I sent a change of address in 2016 to SLC and that's how  guess Capquest got in touch. 

 

Unsure what to do next?

Send my SAR to Erudio and SLC?

 

Thanks 

 

p.s I'll definitely send a donation to this fantastic website! 

Edited September 5, 2022 by Gentleshark77
adding answer to question

[dx100uk]

No capquest (arrows) scammed you by email?, SLC would not have fwded that info .

 

Dx

 

 

[Gentleshark77]

Another question I have - Is debt collection agencies like Dryden Fairfax allowed to send emails?

What if I never received the email they sent me last week!? Or I stopped using that address. 

 

 

[dx100uk]

drydens are not a DCA they are a in house solicitor that act for the various trading names of Arrows Group.

 

you are correct about emails, how do they know you got them....which is why they LIE on them too, inadmissible evidence in court, a letter, containing the same lies is not.

 

you are learning!!

 

can i suggest you go read a few 10's of thread here 

type in erudio in our search of the top red banner and get reading 

 

i would for the minute kill 2 birds with one stone.

send erudio an SAR by ROYAL MAIL.

 

this will not only give them your correct address, preventing backdoor CCJ's but it will also get you everything the group holds on you.

you never know, they might not have record of the capquest payment.

 

dx