Erudio/Drydens claimform - old SLC Loans - Now N244 for strikeout & SJ.

[dx100uk]

I have moved you thread to the slc forum.

 

have a read of a good few erudio threads here.

 

as said above, never ever ring these fleecers

they are a DCA and absolutely zero legal powers to do anything.

 

pers i'd use the SLC original deferment forum you'll find here

https://www.consumeractiongroup.co.uk/forum/257-student-loansslc/

 

if you've given erudio DD details in the past

i'd tell you bank to block them.

 

dx

[dx100uk]

please complete this:

 

 

what a shame you thought you had to pay and got scammed into doing it.

 

do the above and we'll get you moving.

 

[dx100uk]

please note corrected dates for AOS and more importantly Defence filing date ((courts are closed at W/Ends)

 

pop up on the MCOL website detailed on the claimform.
[if mcol is not working return after the w/end or the next day if week time]
.
 register as an individual on the Gov't Gateway Site
Go to HMRC's login page.
Click the GREEN sign in button.
Click “Create sign in details”
Enter your email address where asked.
You will now be emailed a confirmation code. ...
You will now be issued with a User ID for your government gateway account.
 note down your details inc the long gateway number given, you might need it later.
 then log in to the MCOL Website
.
 select respond to a claim and select the start AOS box.
.
 then using the details required from the claimform
.
 defend all
 leave jurisdiction unticked
 you DO NOT file a defence at this time
[BUT you MUST file a defence regardless by day 33 ]
click thru to the end
confirm and exit MCOL.
..
get a CCA Request running to the claimant

.

https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/

..

Leave the £1 PO unsigned and uncrossed

.

get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant]
...
.[use our other CPR letter if the claim is for an OD or Telecom Debt]
.

https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/

.

on BOTH type your name ONLY
Do Not sign anything
.do not ever use or give an email
.
you DO NOT await the return of ANY paperwork 
you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]

..............

great news you made no payments.

 

if you wish, scan up all your garbled notes too!! i will understand then...

i know these loans/erudio inside out.

and dont forget a DCA will ALWAYS LIE on the phone to scam money out of you...they almost succeeded.. 

 

there are 100's of erudio claimform threads here, use our enhanced google searchbox

get yourself upto speed .

 

the more you read the stronger we become.

[dx100uk]

hey very well done

i wish all were like you 

wonderful research

wonderful defence.

dont worry about 5. its given you accept what they say as you ignored the LOC - if you dont mention something in the poc thats the way it falls - accepted.

now i'll be truthful here and say this is one time erudio might get money here.

deferring till 2020 then ignoring is not good, it might have been a good idea to have claimed you sent deferment but they have lost them .. but you've ignore stuff till the court claim. not a good idea to ever ignore a letter of claim..

i think its patterns a user here that tried that one and it worked, there are so many here, but a little white lie on forms has worked several times before

now on that front. did erudio send the forms and you just did not use them?

[dx100uk]

for the minute as its not due yet don't file that defence please.

you wont get another LOC on a student loan but you might have other debts ? never ignore a letter of claim.

what interests me slightly is to expand/clarify your story and why you did not get/use deferment forms from 2020 please?

you had last deferred when before that (date)

in feb 2020 your wages increased to above the threshold, the story jumped to april 2020 when you phoned Erudio to tell them you were now earning over the threshold and could not defer?

when did you start and stop your payments?

and why when you were not over the threshold did you not defer again??

and you had arrears? 

please carefully give me the timeline of what you did and when.

[dx100uk]

urm interesting...

i hope none of your debt is being paid to a DCA?

interesting they wrote aug 2019 offering a 25% settlement...worthy of note going fwd.

forget stupid quotes/use of this fake 'maturity date' issue, it's not debatable, and is set in stone, but often used as a bargaining chip by eurdio because they know the mug has no idea. it is MOST CERTAINLY NOT!! dictated in relation to defering or not!

consulting with any 'manager' at eurdio is a commom LIE!!

a telephone conv is NOT admittance!!

p60 and statements are another read herring used to coherse mugs into agreeing a payment plan.

again, as i indicated earlier, there was nothing to stop you defering again once threshold was not exceeded, shame they used the 'rollback' scam to gain payment. 

lucky you physically made no payment?

NOSIA are simply a legal requirement they must send if they consider themselves the creditor. noted this was not for all 4 loans only 2 of 4 in this claim.

capquest/drydens and even Erudio are simply members of the Arrows Goup of companies, the real name for the parent company that did the gov't deal in late 2013 regarding all remaining unsold mortgage style SLC loans not already sold on.

resolvecall are simply a DCA doorstepper company that other DCA's use to scam payments by threatening and sometimes actually attending addresses chasing debt. as like ANY DCA.
they ARE NOT BAILIFFS
and have 
ZERO legal powers on ANY DEBT, no matter WHAT it's type.

................

let things run.

pull my chain near defence filing date if nothing more pops up.

dx

[dx100uk]

i'd go with your thoughts too.

 

 

[dx100uk]

 but not their poc ofcourse? you listed that just for ref?

 

dx

 

 

[dx100uk]

na wont hurt much.

 

well now you found relevant threads

 

i suggest you get yourself upto speed upon whats to come whats next, how to react and what not and what too do. by reading a good few 10's of threads

 

dx

 

 

 

[dx100uk]

open

[dx100uk]

nope save that.

 

well stayed now.

 

go enjoy your life but dont move without telling the court.

 

[dx100uk]

yep simply std practice for them to threaten intimidate and try and make you wet yourself.

 

just about std for every stayed erudio court claim here.

 

dx

 

[dx100uk]

std practice for them in some SLC cases.

think they are all powerful and you'll wet yourself.

scan everything inc the exhibits upto to one mass PDF 

read upload carefully please.

 

dx

 

[dx100uk]

On 16/11/2022 at 22:20, RC710 said:

Do you mean deferment forms or do you mean the forms that come with the Letter of Notice? - the Reply form? Either way, no, I didn't. 

i would include somewhere that erudio did not from 2020 send out their deferment forms, thus you are now in this position, if they had, you would have deferred and that would have been the end of the claimant issue.  the FOS have several cases whereby the castigated erudio for not sending forms out (regardless to your phonecall. which to date erudio have not referred too..lets hope they dont)

to be clear to date you've received nowt from the claimant?

when's WS exchange due by?

[dx100uk]

not via mcol...that ended once allocated out.. .....post to court and sols.

and its not the claimants notice its from the court.

its a speculative consumer credit debt, its not criminal and it will be a feather in your cap.

they are just scammers and your money will simply fund a staffs family holiday abroad. nothing goes of the imaginary debt. 

if they dont refer to your verbal calls (which i've never seen them do before) you are onto a winner regarding sent no deferment forms, esp with the repeated castigation the FOS have given erudio about them doing this.

just remember it most probably will not be anyone from erudio/drydens, it will just be a locum that knows nothing about how the loans work and will only have gotten the case <7 days before the hearing.

typical in these cases they will claim they did not get your bundle you sent it late (you await theirs or the very last second to send yours) as they've discovered something wrong and they need more time to counter your claims. the judge wont swallow that hopefully.

then another hearing where drydens might come out and have all gound blazing with the complete picture.

dont forget you can always deny the phone calls, and IF IF IF they bring them up, they MUST disclose the call record in the bundle. if they dont...you should win.

dx

 

 

 

[dx100uk]

that needs work to make it flow better and be more focused IMHO.

dx

[dx100uk]

im not happy with that. its very weak.

there are numerous erudio N244 threads here already

p'haps it might be an idea to see how they responded in a statement.

@Andyorch might well pop in if they get 5 mins free.

[dx100uk]

bring back in that they refused or WHY to send further deferment forms and the FOS rulings.

 

On 30/07/2023 at 17:51, dx100uk said:

i would include somewhere that erudio did not from 2020 send out their deferment forms, thus you are now in this position, if they had, you would have deferred and that would have been the end of the claimant issue.  the FOS have several cases whereby the castigated erudio for not sending forms out (regardless to your phonecall. which to date erudio have not referred too..lets hope they dont)

 

 

[dx100uk]

pers i think any arguments about not supplying stuff are now worthless as they have supplied them. so each of your points regarding non compliance are now worthless.

i really think you need to fluffy out 

 

Quote

 

  On 30/07/2023 at 17:51, dx100uk said:

i would include somewhere that erudio did not from 2020 send out their deferment forms, thus you are now in this position, if they had, you would have deferred and that would have been the end of the claimant issue.  the FOS have several cases whereby the castigated erudio for not sending forms out (regardless to your phonecall. which to date erudio have not referred too..lets hope they dont)

 

 

 

 

 

[dx100uk]

you can email the court and drydens surely? due end of play thursday if case is 24th?

 

im very busy at present.

dx

[dx100uk]

im working on a statement ...might help 

[dx100uk]

we are all volunteers here...please we do have a life outside of CAG some days....

[dx100uk]

were the deferment forms that you returned prior to the last one done sent to you via royal mail or email and likewise how did you respond by what method?

[dx100uk]

brilliant so you/we can use the fos stuff (see their example rulings on their site and

Erudio - stopped sending email deferment reminders - NOSIA + terminated loans **WON AT FOS** - Student loans/SLC - Consumer Action Group

)

then, as they've castigated erudio for failing from 2020/1 in not sending out email remainders to defer.

and as they've made no? ref to your phonecall saying im over the threshold etc in their n244 statement they cant now bring it up..

looking better then.

ill try and get this done laer,

 

dx

 

[dx100uk]

it will be later tonight sorry. but as long as its done LiP gives you leeway.