- Tue May 06, 2014 5:02 pm
OK time to play (not nasty but at their own game).
You need to write to Eruido, just casually asking them to note your address, pointing out that your mother has posted the letter onto you.
Point out that your correct address was known by SLC and had been confirmed by them, so point out that Eruido contacting your mother that is nothing more than an attempt to bully and harasses. Unfortunately Eruido are developing a bit of a reputation for doing this.
Now at their own game.....tell them that you ae unable to locate your copy of the original credit agreements, so are not sure what or if you should be repaying at the moment, and if they could be kind enough to send you a copy you will deal with it. Make sure you emphasis your overseas address.
They will of course write to you like a rocket with a copy of agreement and necessary forms, thus confirming that they know you new address.
Stop panicking. They will have sent you a reconstituted copy, if you are even lucky enough the receive a copy. At that time it may pay to point out it doesn't contain your signature, and I am fairly most of the Eruido copy ones do not conatin the terms and conditions issued at the time.
Now to strike, point out that you WANT a copy of the original agreement, as you don't recognise some of the terms and until you receive a copy of the original agreements which MUST bear you signature, yo do not feel able to look at anything they are legally asking for!
And don't forget to thank them to writing to you legal abode, which if they wish to look at legal action they MUST serve the papers on!
Eruido are having a massive nightmare locating old agreements, and nearly always give up. They ill need to produce an agreement for EACH year (there would have been one for each year).
Eruido, to date, have not attempted it try collection from overseas, especially when contented, due to cost to them.
IMPORTANT.... get someone else to sign the letter, so it is provably NOT your signature, just in case they try the old cut and past trick!!
Then sit back and wait, for, well hopefully nothing at all!