erudio drydens nightmare

joriginaloak

I have just found out that erudio drydens have put a ccj on my credit file without my knowledge during lockdown. They have registered it to an address I lived at ten years ago and get this the amount of the original student loan has rocketted from 1800 to £ 4318.0!!!! The last correspondence i recieved from the student loans company slc was back in 2013 to defer payment which i did! I moved house in 2014 and having more than one student loan continued to pay my loans via  the bacs system automatically  from my wages nothing different there! I have had zero correspondence at my last 2 addresses until yesterday I checked my credit file to find a new entry ccj for £4,318. The original student loan was from 1997 and was a sum of £1800 for the 3 years i was at leeds university. How on earth could this amount become more than double without my knowledge?????

Anyway, I rang the business court and they sent me this information........I believe this the argument used by this charlatan company in court without my presence or knowledge!

1. THE CLAIMANT CLAIMS £4,296.01 FOR MONIES DUE FROM THE DEFENDANT.

2. THIS DEBT WAS PURSUANT TO A REGULATED AGREEMENT(S) BETWEEN THE DEFENDANT AND THE STUDENT LOANS COMPANY LIMITED. EACH AGREEMENTHAD AN INDIVIDUAL ACCOUNT NUMBER AS FOLLOWS: 96UNLE11836 97UNLE03974

3. THE DEFENDANT FAILED TO MAKE PAYMENTS AS PER THE TERMS RESULTING IN THE AGREEMENT(S) BEING TERMINATED. NOTICE OF SUCH IS SERVED BY A DEFAULT OR TERMINATION NOTICE SUBJECT TOTHE TERMS OF THE AGREEMENT(S).

4. THE DEBT WAS ASSIGNED TO THE CLAIMANT ON 22/11/2013, WITH A NOTICE PROVIDED TO THE DEFENDANT. A NEW MASTER REFERENCE NUMBER 6319462222145182 WAS ALSO APPLIED UPON ASSIGNMENT. 5. THE CLAIMANT HAS COMPLIED WITH THE PRE-ACTION PROTOCOL FOR DEBT CLAIMS.

The slc have always had my current address but this company have chosen to use an address which I left back in 2009. I have recieved no deferment papers whatsoever yet this company has taken it upon itself to underhandly and im sure must be illegally conduct the account in this way! I really would like some advice on this and help with getting this nightmare brought to an end! Please advise......

sheramber

Erudio took over the student loans from 1990- 1998 from SLC. 
 They are a separate company.
 You appear to have made repayments to SLC   but  not to Erudio for the earlier loan.
 It looks like you did not advise Erudio of your change of address so they have not been able to contact you until now.
Interest will have  accumulated  over the years  on the outstanding amount.
  Erudio have passed the outstanding debt to Drydens , who are a debt collection agency.  

scorpian99

dryden are run by arrow global  as is Erudio.
they told me i had arrear when they took over my account just under 3 months before it would be written off.  by doing this it could not close.    they refused to tell me the arrears amount  and they demanded and unknown amount each month for an unknown length of time   until they could just demand the whole amount.  i have been complaining ever since they too over. every company they use are all part of the Arrow global.   and they  took me to county court were they lied to a judge to get the case in there favour. 

SeanBowles

I have an old style student loan that I took out in 1996 with the original Student Loans Company.  Recently I had a letter from Drydensfairfax to say the £3307.88 debt was being passed for County Court action.  I believed I had not made a payment nor corresponded in nearly 8 years so thought the debt was Statute Barred.  I submitted the Statute Barred defence and received a letter from the court to say the complaint was on hold while Drysden investigated this.  I then received a letter from Drysden stating this had been passed to Erudio and was on hold while my claim was investigated.  However I have just found out that I did setup a Standing Order of £25 a month at some point but stopped that in July 2017. 
Yesterday I contacted Erudio  to discuss clearing the debt or setting up a repayment plan but was told the issue is now with Drysden so I would have to speak to them.  When I finally got to speak to Drysden on a very bad line, I offered to re-establish a standing order for £25 a month (as my wages have not increased since I previously had the same offer accepted) or I could make a lower one off payment to clear the debt of £1500 but wanted it in writing that the debt would be written off and not affect my Credit Record which is currently excellent.  Drysden did not give me the opportunity to make either a lower one off final payment nor setup a new repayment plan, instead insisting I contacted the Court and changed my defence.  I am now not sure what my position is?    I am over 50 but due to defaulting on the debt because I didn't continue to defer my payment, I believe my age doesn't write the debt off.  I am desperate not to get a CCJ against my credit record but I am unable to make a full payment of the debt.  So I am stuck, I am unable to setup a repayment plan or make a single final payment near to 50% of the debt owed.  Any advice would be appreciated.