How JustAnswer Works:

  • Ask an Expert
    Experts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional Answer
    Via email, text message, or notification as you wait on our site.
    Ask follow up questions if you need to.
  • 100% Satisfaction Guarantee
    Rate the answer you receive.

Ask Ash Your Own Question

Ash
Ash, Solicitor
Category: Law
Satisfied Customers: 10916
Experience:  Solicitor with 5+ years experience
75100385
Type Your Law Question Here...
Ash is online now

Today I received a letter from Erudio Student Loands dated

Resolved Question:

Today I received a letter from Erudio Student Loands dated 29th February 2016. It states that "as part of the transfer of your account [to Erudio], we undertook a large project to rectify and iddue with some of the statutory notices that SLC had previusly sent. this has taken several months to complete due to its scale and complexity". This s in order for them to fulfill their obligations under the Consumer Credit Act 1974. I have had several hundred pounds deducted from my account over the past 4 months and now that the loans have been deferred, I have been told I am only entitled to 3 months roll back. I was not properly informed that money would be coming out of my account, and my income is far beneath the threshohold after which I should be paying student loans. If I had been properly informed, as according to the law, this would have been avoided. Can you advise on a) if I can persuade them to return all the money taken and b) if I am entitled to compensation?
Submitted: 11 months ago.
Category: Law
Expert:  Ash replied 11 months ago.
Hello my name is ***** ***** I will help you with this.When you said that you have had several hundred pounds deducted, you mean you have taken those sums out?Alex
Customer: replied 11 months ago.
HI Alex,
just to clarify, several hundred pounds has been taken from my account by Erudio student loans despite not receiving warning letters by them that they would do so. My accountant had sent in proof for the deferment of the loans to Erudio, however he sent in the wrong documentation. As far as I was aware the loans had been deferred and I did not notice the outgoings from my account until last month. I received no communication that Erudio had not received the right information.
Expert:  Ash replied 11 months ago.
On what basis was the money taken by them please?
Customer: replied 11 months ago.
On the basis that the loan hadn't been deferred
Customer: replied 11 months ago.
due to the reason given above
Expert:  Ash replied 11 months ago.
Ok - but there was no warning or authority so yes you should seek the money back.You should seek a full refund. You are only entitled to interest in terms of compensation on the sums claimed. But you can seek a full refund. If this is under £3000 it would be a small claim.For more information please see:https://www.scotcourts.gov.uk/taking-action/small-claimsCan I clarify anything for you about this today please?
Customer: replied 11 months ago.
Should I start by informing Erudio that this is my intention? What exact legal grounds shall I mention? Or should I go directly to small claims, you are right it is under £3000.
Expert:  Ash replied 11 months ago.
You should notify your intention and therefore give them warning.Does that clarify? Alex
Customer: replied 11 months ago.
Just to clarify, should I say, "no warning or authority" was given that money would be deducted from my bank account? Is that enough legal grounds to make a claim? M
Expert:  Ash replied 11 months ago.
Correct. Does that clarify? Alex
Ash, Solicitor
Category: Law
Satisfied Customers: 10916
Experience: Solicitor with 5+ years experience
Ash and other Law Specialists are ready to help you
Customer: replied 11 months ago.
That's great, review coming up. Thanks Alex

What Customers are Saying:

 
 
 
  • Thank you so much for your help. Your answers were really useful and came back so quickly. Great! Maggie
< Previous | Next >
  • Thank you so much for your help. Your answers were really useful and came back so quickly. Great! Maggie
  • A quick response, a succinct and helpful answer in simple English. I believe I can now confront the counter party with confidence -- worth the 30 bucks! Rick
  • Wonderful service, prompt, efficient, and accurate. Couldn't have asked for more. I cannot thank you enough for your help. Mary C.
  • This expert is wonderful. They truly know what they are talking about, and they actually care about you. They really helped put my nerves at ease. Thank you so much!!!! Alex
  • Thank you for all your help. It is nice to know that this service is here for people like myself, who need answers fast and are not sure who to consult. GP
  • I couldn't be more satisfied! This is the site I will always come to when I need a second opinion. Justin
  • Just let me say that this encounter has been entirely professional and most helpful. I liked that I could ask additional questions and get answered in a very short turn around. Esther
 
 
 

Meet The Experts:

 
 
 
  • Jo C.

    Jo C.

    Barrister

    Satisfied Customers:

    30316
    Over 5 years in practice
< Previous | Next >
  • http://ww2.justanswer.com/uploads/EM/emus/2015-7-7_192327_bigstockportraitofconfidentfemale.64x64.jpg Jo C.'s Avatar

    Jo C.

    Barrister

    Satisfied Customers:

    30316
    Over 5 years in practice
  • http://ww2.justanswer.com/uploads/BE/benjones/2015-12-1_0437_ennew.64x64.jpg Ben Jones's Avatar

    Ben Jones

    UK Lawyer

    Satisfied Customers:

    11553
    Qualified Solicitor - Please start your question with 'For Ben Jones'
  • http://ww2.justanswer.com/uploads/BU/Buachaill/2012-5-25_211156_barrister5.64x64.jpg Buachaill's Avatar

    Buachaill

    Barrister

    Satisfied Customers:

    1754
    Barrister 17 years experience
  • http://ww2.justanswer.com/uploads/JO/jojobi/2013-3-19_0265_maxlowryphoto.64x64.jpg Max Lowry's Avatar

    Max Lowry

    Advocate

    Satisfied Customers:

    894
    LLB, 10 years post qualification experience
  • http://ww2.justanswer.com/uploads/UK/UKLawyer/2012-4-12_9849_F2.64x64.jpg UK_Lawyer's Avatar

    UK_Lawyer

    Solicitor

    Satisfied Customers:

    750
    I am a qualified solicitor and an expert in UK law.
  • http://ww2.justanswer.com/uploads/KA/Kasare/kasare.64x64.jpg Kasare's Avatar

    Kasare

    Solicitor

    Satisfied Customers:

    402
    Solicitor, 10 yrs plus experience in civil litigation, employment and family law
  • http://ww2.justanswer.com/uploads/OS/osh/2015-7-7_19268_gettyimagesb.64x64.jpg Joshua's Avatar

    Joshua

    Lawyer

    Satisfied Customers:

    8199
    LL.B (Hons), Higher Prof. Dip. Law & Practice