ERUDIO student loans help

rizla_king

spacemanc wrote: »

Is that true? I'm not sure that I was in contact between 2008-2014. Are you sure that a SL can become statute barred?

Yes they can become statute barred.

Pluthero

dizzybuff wrote: »

complaint submitted again... sigh

I know this is all time consuming an painful but you really should complain about the FOS and their shoddy handling of your complaint.

Also perhaps a second NEW complaint to the FOS about the amount of time and stress that Erudio's new deferment process is causing you too just for good measure.

Its amazing how the 'little people' can be chased/harassed by these vast legal/beareaucratic machineries over small alleged debts/fiddling their tax or dole yet the banks/companies can pocket millions with immunity. Hell with Govt gacking it seems these days, makes the blood boil:mad:

rizla_king

spacemanc wrote: »

Is that true? I'm not sure that I was in contact between 2008-2014. Are you sure that a SL can become statute barred?

6 years without acknowledgement in writing or payment and it would be statute barred.

The 6 years would start at the end of the last deferment you successfully did.

anna2007

rizla_king wrote: »

The 6 years would start at the end of the last deferment you successfully did.

Spacemanc said in a previous post that s/he was repaying, but stopped in 2008 and didn't apply for deferment afterwards - so the 6 years would start from that last repayment in 2008.

@ Spacemanc If you're in Scotland, the limitation period is 5 years.

There's a useful thread here, with template letters. From a quick read, and importantly for you, your recent contact with Erudio doesn't 'unbar' the debt (provided there was no acknowledgement or payment in the 5 or 6 year limitation period):

https://forums.moneysavingexpert.com/discussion/2606811

If you're not sure if there's been a CCJ you might want to check, because if there has, I don't think the debt can be statute barred?

datlex

Being persistent and not taking no for an answer has finally resulted in them agreeing to give me a deferment. So if they are still refusing to give you one and you know you are under the deferment limit then I recommend keeping fighting, don't give up!

dizzybuff

I've put the complaint in about their service and the adjudicators team manager has emailed me today. It's the I've put another deferral in and sent docs that they want. I'm not holding out anything but I will again ask for hoe they have come to the decision and amount I earn. Let's see if they get this calculation right this time.

fermi

anna2007 wrote: »

Spacemanc said in a previous post that s/he was repaying, but stopped in 2008 and didn't apply for deferment afterwards - so the 6 years would start from that last repayment in 2008.

@ Spacemanc If you're in Scotland, the limitation period is 5 years.

There's a useful thread here, with template letters. From a quick read, and importantly for you, your recent contact with Erudio doesn't 'unbar' the debt (provided there was no acknowledgement or payment in the 5 or 6 year limitation period):

https://forums.moneysavingexpert.com/discussion/2606811

If you're not sure if there's been a CCJ you might want to check, because if there has, I don't think the debt can be statute barred?

If there is no expiring deferment period to take into account then you would be looking at the limitation period starting either:

- If a payment was due and then missed, and no payments or acknowledgement in writing were made after that then it would be the date of that missed payment.

or

- If payments or acknowledgement were made after that then the data of the last of those.

Sounds to me if is was already in arrears so cause of action already accrued, then it would simply be the 2nd of those.

BaffledByErudio

Not posted for a while, but thought I'd briefly check in with the world of idiocy and the insane!
Today I received one of those '144th November' letters.
It is totally and incredibly ridiculous that Erudio can manage this kind of stupidity and incompetence, have it flagged up, and yet continue with it - for months!
Even if the letter was written and posted on November 14 (which is what I assume they meant) why did it take until February 21st for it to fall through my letterbox?
It talks about me overpaying, yet I'm in deferment. Although I understand they are referring to the payment amount should I actually be in payment.
It also spells my name wrong in the first line, puts numbers in front of it mid-word in others! In fact, other than the front of the envelope, my name is b*ggered up in all cases!
If I wasn't a law-abiding citizen, I'd post it all back and say 'nobody of this name at this address.'
It's only a couple of months before this mad hattery begins again for a lot of us who graduated in summer of the year we graduated.
I'm investing in a bulky pack of envelopes and looking into whether there are discount packages for Royal Mail guaranteed delivery services!
It irritates me like a rash that a chunk of people (us) are not breaking ANY rules. We took out relatively small GOVERNMENT loans with clear promises and guarantees about the criteria for repayment. Yet, fewer than 20 years later, we're at the mercy of a US debt recovery conglomerate, which had f**k all to do with me while I was doing my A Levels. It grates even harder with the topical news these days about millionaire businessmen avoiding tax LEGALLY!
!!!!!!!

cluelessfish

slc have sent me an old style deferment form as normal. so those of us with split loans can worry less about having to deal with erudio. At least until they claim not to have been informed of our deferment and steal money from our accounts.

does the fact that some of us are getting the old daf strengthen the argument against erudios daf, even a revised one?

gardenia101

fermi wrote: »

gardenia101, to make it easier for people would you mind summarising what you did actually apply with and do with Erudio, and what the issues or sticking points with the deferral for you were?

Thanks.

Well done by the way. :j :T

I'll try & be brief.....

My main issue has been the lack of correspondence -

I still haven't had any notice of this sale from either SLC or ESL, no DAF to complete for ages, then just the last page to sign (which wasn't good enough but I wasn't surprised by that), then 2 DAFs but not in large print (LP) - eventually got a badly enlarged photocopied DAF to complete which I did & signed it, but did point out that I couldn't actually read all the small print due to the poor copy.....

I did send bank statements detailing child benefit/tax credits/my DLA/salary but redacted everything else.

I did send a tax return for 13/14.

I did send copies of savings a/c statements showing interest received (which tallied with my tax return) but redacted all other details including balances, a/c details etc.

I did send a copy of my certificate of sight impairment as proof of my disability, & letters from my employer confirming I was dropping hours at work.

As my ex has been refusing to pay me child maintenance I didn't mention that all. (For the record he pays for more things directly for our 2 & gives DD 15 more cash so she can pay for eg: Guides & Scouts directly. The whole point of child maintenance in our POV is that it should benefit our children & not some DRA & of course all of this money wouldn't be "counted" if we were still together).

I've sent several letters of complaint to ESL - some of which have been answered & some of which haven't. I'm still waiting for clarification from them about CM, d/ds in deferment etc & an answer to why it is so hard to supply LP letters &have been for some time :mad:

ESL haven't answered/acknowledged any of my emails for months.

Still waiting for FOS adjudicator to make a decision (has only been about 5 weeks since adjudicator got in touch but months since I complained) :rotfl:

I did try & defer without the DAF (since they couldn't send me one for so long :mad:) & sent in a letter & evidence, but they refused to defer me.

Think it was getting my MP on board that finally did it - suddenly everything is in large print & I've been deferred for 36 months. Which is how it should have been all along. How f'ing hard is it really

I'm not happy that I've been bullied into signing their DAF, so will be fighting this further - just waiting to hear from FOS (though not hopeful) & seeing what happens with the court case.

Still waiting for outstanding correspondence as still not had any notice of sale, any statement, any indication of IR (whether correct rate or not) in any format never mind LP.