ERUDIO student loans help

Brooker_Dave

plong979 wrote: »

Update: Received the usual Notice of Default letter so I'm going to send off a letter telling them I've kept to my agreement so they either take me to court or stop sending me letters about arrears. Will update once they reply to my letter.

Do they ever reply to your letters?

They ignore mine....

plong979

Brooker_Dave wrote: »

Do they ever reply to your letters?

They ignore mine....

Just the usual reply to my bespoke deferment letter saying I need to sign their DAF.

This is the last letter I'll be sending this year as it's basically stop harassing me or take me to court.

Brooker_Dave

So no more erudio developments anyone?

FuriousFeline

Here are two more Guardian articles about the farce that is the Student Loans system:

http://www.theguardian.com/money/2016/jun/04/student-loans-really-were-mis-sold

http://www.theguardian.com/money/2016/jun/05/graduates-student-debt-loan-system

steampunkmimi

It's been a while since I posted here, but I'm being harassed by Erudio too, so I thought I'd add an update from my point of view. I've always sent the same deferment application letter that I sent to SLC for a successful deferment, and Erudio accepted that.

I received that sodding great mailing with loads of arrears and other notices in it, complained about that to Erudio and the FOS.

Now, Erudio have sent a default notice with demands to pay up the arrears (that I don't owe, because I have the right to deferment anyway)or go to court. The loan account is in dispute, so they shouldn't be chasing collections anyway, but that never seems to bother Erudio, does it...? Given that they've refused point blank to defer my loan account despite the fact that I qualify, I'm tempted to take them to court for harassment. I'm guessing that there are lots of people beign harassed by Erudio for loans that we're just not liable to pay back (we don't earn enough, so not liable), so I'm wondering: has anyone else considered a group action on this, or are we better off fighting our battles individually?

plong979

steampunkmimi wrote: »

It's been a while since I posted here, but I'm being harassed by Erudio too, so I thought I'd add an update from my point of view. I've always sent the same deferment application letter that I sent to SLC for a successful deferment, and Erudio accepted that.

I received that sodding great mailing with loads of arrears and other notices in it, complained about that to Erudio and the FOS.

Now, Erudio have sent a default notice with demands to pay up the arrears (that I don't owe, because I have the right to deferment anyway)or go to court. The loan account is in dispute, so they shouldn't be chasing collections anyway, but that never seems to bother Erudio, does it...? Given that they've refused point blank to defer my loan account despite the fact that I qualify, I'm tempted to take them to court for harassment. I'm guessing that there are lots of people beign harassed by Erudio for loans that we're just not liable to pay back (we don't earn enough, so not liable), so I'm wondering: has anyone else considered a group action on this, or are we better off fighting our battles individually?

I've just recently fired off a letter last week (they got it Friday) telling them I refute their allegation that I'm in arrears or default. Ended it with me saying, that they either take me to court where I will show my evidence that I haven't broke any contractual agreement or stop harassing me about arrears. I'll post here whenever they decide to reply.

AReeves

A group action would appear to have advantages in this situation. CPR Part 19 and the accompanying Practice Direction governs Group Litigation Orders.

steampunkmimi wrote: »

It's been a while since I posted here, but I'm being harassed by Erudio too, so I thought I'd add an update from my point of view. I've always sent the same deferment application letter that I sent to SLC for a successful deferment, and Erudio accepted that.

I received that sodding great mailing with loads of arrears and other notices in it, complained about that to Erudio and the FOS.

Now, Erudio have sent a default notice with demands to pay up the arrears (that I don't owe, because I have the right to deferment anyway)or go to court. The loan account is in dispute, so they shouldn't be chasing collections anyway, but that never seems to bother Erudio, does it...? Given that they've refused point blank to defer my loan account despite the fact that I qualify, I'm tempted to take them to court for harassment. I'm guessing that there are lots of people beign harassed by Erudio for loans that we're just not liable to pay back (we don't earn enough, so not liable), so I'm wondering: has anyone else considered a group action on this, or are we better off fighting our battles individually?

Brooker_Dave

AReeves wrote: »

A group action would appear to have advantages in this situation. CPR Part 19 and the accompanying Practice Direction governs Group Litigation Orders.

How can we make this happen?

plong979

Had an reply...

They mention the FOS ruling and will not enter any dialogue on this matter. I sent a letter regarding the Notice of Default not the FOS ruling.

They also say that the Notice expire on the 21st June and "if no arrangement has been agreed, we may terminate the terms and conditions of your credit agreement and the balance in full will become due. We may then at our discretion, pass your account to a debt collection agency and report the default to the UK Credit Reference agencies."

GinOClock

That response from Erudio was pathetic.