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ERUDIO student loans help

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Comments

  • The more I think about their reasoning, the more !!!!ed off it makes me. They are trying to say that it wouldn't be treating 'customers' (victims more like!) fairly if they accepted my deferment application without using their form. So that must mean that:

    a) I must be at some sort of advantage by not completing their form.

    b) What does it matter if I write a letter, where other people have blindly used Erudio's form? Their relationship with other 'customers' is totally irrelevant to the one between them and myself. For all I know everyone else might have refused to use their form as well.

    And anyway, all the stuff about fairness and equality laws that I can find is concerned with not discriminating against people on the grounds of race, gender, disability etc). Are they saying that they would be discriminating against people who can't write a letter/copy one from a template??
  • rizla_king
    rizla_king Posts: 2,895 Forumite
    Correct. There is nothing in those laws that requires them to make everyone use the same form.

    It's just bullsh1it and a smokescreen.
    Still rolling rolling rolling...... :) <
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  • rizla_king
    rizla_king Posts: 2,895 Forumite
    Actually the "treating customers fairly" rules say they should not put unfair post contract barriers in place.

    That would include a refusal to process a valid and legal deferment application just because you chose not to use their forms.

    The FOS also say.. http://www.financial-ombudsman.org.uk/faq/businesses/answers/decide_cases_a10.html
    However, although "treating customers fairly" should improve the way businesses treat their customers, it does not affect how we decide individual complaints.
    Still rolling rolling rolling...... :) <
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  • As previously mentioned on here, (I'm sure I just read it) it's amazing how a distortion of certain information can be used when it suits the needs of the government and business.
    Those of us not living in prosperous parts of London, or those of us who don't live on Cloud 9, have known for a while now what a steaming pile of BS dear old Chancellor Osborne's hogwash about 'how we're on the mend and how things are tickety boo' actually is.
    If the economy is so blinking glittering in the UK, why are the figures used to calculate the mortgage-style loans threshold suggesting a 7% PREDICTED drop in average earnings?
    That's the snake-in-the-grass style of the business-obsessed goblins we call the coalition. On the one hand (when it's a vote winner), say: "Yayyyyy, there's more of us than ever with a job, look at us, we've fixed the economy and you can crack out the Merlot".
    But on the other, when it's a dirty deal, which greases the palms of a private business, a deal which can be swiftly swept under the carpet. A deal which results in a relatively small pocket of the populous going through hell, it's time to cook the books and reflect the fact that a huge swathe of these wonderful jobs we all now have are conveniently low-paid or zero-hour!
    To be honest, on my £18k salary, I wasn't particularly bricking it when I saw the £2k drop. It goes without saying, I think it's disgraceful and I feel for those who suddenly saw their financial goal posts shift at speed.
    But with the theory I believe (if other forum posts are correct) being bandied about by Erudio, the threshold will continue to fall.
    But by how much? How long before it becomes £25k?, £21k?, £19k?. I know that technically it wouldn't and shouldn't become this drastic, but quite frankly, absolutely nothing would surprise me from Arrow Global's little charmers, with Cable and his cronies continuing to turn such a blind eye they'd need guide dogs!
    I actually shouldn't be concerned. I was notified yesterday I could be facing redundancy from my job. It's not a certainty, but it could be the case in November. So I'll be well off any threshold. But just as luck would have it, I'd be losing my job only a few months before Erudio pitches its big top for the 2015 deferment circus, so I'd no doubt face a scramble over some new stumbling blocks I didn't encounter this year.
    I've said it before, and I'll say it again, when the effing beggary is someone going to investigate, caution, prosecute or penalise this bunch of chancers?
  • anna2007
    anna2007 Posts: 1,182 Forumite
    edited 22 August 2014 at 11:11PM
    Are people letting the FCA know of their problems with Erudio? They're the ones with the powers to investigate and impose penalties on Erudio

    [EMAIL="consumer.queries&#64;fca.org.uk"]mailto:consumer.queries@fca.org.uk[/EMAIL]

    I'm not the biggest fan of industry regulators, but if we don't at least make them aware of what's going on here, then they most definitely won't take any action.
  • anna2007
    anna2007 Posts: 1,182 Forumite
    I had major issues with Erudio, taking money out when I was already deferred! Got no where with customer services. I contacted the big boss of Erudio direct [text removed by MSE Forum Team]
    Perhaps Mr Lammin's inbox is full :D
  • fermi
    fermi Posts: 40,542 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Rampant Recycler
    anna2007 wrote: »
    Are people letting the FCA know of their problems with Erudio? They're the ones with the powers to investigate and impose penalties on Erudio

    [EMAIL="consumer.queries&#64;fca.org.uk"]mailto:consumer.queries@fca.org.uk[/EMAIL]

    I'm not the biggest fan of industry regulators, but if we don't at least make them aware of what's going on here, then they most definitely won't take any action.

    Yes people really SHOULD be doing that en masse.

    The FCA will not act in relation to an individual complaint as the FOS etc do, but they will record the details of every one and use the info to decide whether they will take action against Erudio.

    So I would encourage everyone to send/CC their complaints to that address.
    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
  • erudioed
    erudioed Posts: 682 Forumite
    Part of the Furniture 500 Posts Name Dropper
    Hey, deroosanders' post was edited and the business email address of the carval guy has gone.
  • fermi
    fermi Posts: 40,542 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Rampant Recycler
    erudioed wrote: »
    Hey, deroosanders' post was edited and the business email address of the carval guy has gone.

    Probably due to this rule.

    http://www.moneysavingexpert.com/site/forum-faqs#companydetails
    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
  • erudioed
    erudioed Posts: 682 Forumite
    Part of the Furniture 500 Posts Name Dropper
    oh, that explains that then, thanks fermi.
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