I have read the comments given in reply to my last post and I am confused and quite upset! Not having any legal knowledge, I like many others relied on the people in the know posting on this website, to advise accordingly. On numerous occasions I was advised not to communicate with Erudio until they honored my CCA request. I was advised not to send in a deferment form and to just sit tight. I was also informed that while the CCA was outstanding my account would be frozen. Now I am told that wasn't the case and not only have i lost the right to defer and have it cancelled when i reach 60 but i could also be liable to pay the full amount owed? How many other people will find themselves in the same predicament ? My last hope it seems is going down the disability route I am currently in consultation with my GP and Health Workers to see how I can achieve this. JMG

Still having issues with these people. They are now demanding I pay over £2,100 + in arrears. I applied for the CCA 2 months before I was due to renew my deferment back in March 2014. Finally after a year of ignoring all my letters, and me receiving threatening letters and phone calls from them they sent my CCA.. However now they say that because I am in arrears [from May 2014] I have lost the right to defer, lost the right to age related cancellation and lost the right to payment by installments. Surely while the account was in dispute there should NOT have been any payments due or am I totally wrong here I really need your help with this. JMG

Done! sorry for the delay! JMG

Thanks dx100uk I will set to uploading the documents ASAP.. may take a while there are quite a few pages. I will also catch up on the other rodeo threads as suggested. watch this space! JMG

It took almost a year ... but they finally sent me my CCA request details. [The one which should have been sent within 12 days] I need some advice on what to do next. My circumstances have not changed nor will they. Do I now have to apply for deferment as per their rules and after all this time are they going to back date it...? As always any help is appreciated. JMG

Their next move was to start harassing me by phone AGAIN! I have logged 16 calls since beginning of the month. I have their number blocked but I keep a log of who actually calls and I have sent them the " do not phone me" request a few times in the past. They do try the "withheld" number route occasionally but those are blocked too - It just goes straight to answerphone. I'm going to play the "if you ignore me I am gonna ignore you" game .... Waits with bated breath on their next move... BRING IT ON! JMG

Update: I am still receiving demand/threatening and default letters from them and they are continuing to ignore every letter I send. Apart from one letter I received on Dec 18th which confirmed that they had received the letter which I sent back in JULY and that they were now investigating it. Phone calls have stopped which is a plus. I will keep you updated. Thanks again for your help! HAPPY NEW YEAR ALL! JMG

Received a letter from them today ...... I quote: "Telephone us at your earliest convenience to discuss the outstanding arrears on your account. If you fail to contact us within 14 days it could lead to us taking steps to default your account. This could result in you losing the right to defer your loan repayments and to other benefits such as age related cancellation and payment by instalments. If you do not clear these arrears, this may also lead to possible legal action and placement of your account with a debt collection agency. Please do not ignore this letter. This is a serious matter and non payment may affect your ability to obtain credit both now and in the future, as a default may be registered with credit reference agencies regarding the conduct of your account." I am pretty sure I know the answer to the following questions but could someone in the know just confirm it for me as I am having a weak moment. I sent a CCA request back in March with the correct fee and they have refused to acknowledge it and every other letter I have sent them since. I send recorded and I also send a copy via e-mail. I keep proof of posting, screen shots from track & trace etc. What more can I do if they will not acknowledge Me?. If its to make a complaint whom do I complain to? Am I correctly assuming that the above is just another tactic to get me to just roll over, especially mentioning the age related cancellation part, as it is part of the issue I have with them in the first place?. I took the loans out before I was 40 and I am now 56. Does my account remain legally in dispute until they comply with the CCA request? As always I appreciate any help JMG

This company just makes me laugh! They have ignored every letter I have sent both via e-mail and royal mail, yet claim that I am ignoring them. My arrears now stand at £800+ and they have started to phone me daily [i have their number blocked but I keep a log of who actually calls] Yes I have sent them the " do not phone me" request. Today I receive yet another letter from them claiming that I have failed to contact them and that I need to set up a direct debit with them urgently! ... AS IF! Still waiting for that CCA request to be fulfilled ... 8 months and counting I can keep this up for ever ... its quite entertaining to be honest! JMG

I received a letter from ERUDIO this morning informing me that I am now in arrears of £354.74 and that I should pay ASAP or they will pass it on to their debt dept. I really do not think its worth writing to these people again. As you can see from my previous messages they have totally ignored every letter I have previously sent. I requested a copy of my credit agreement way back in March. I have also sent three other letters regarding the cancellation of the first three loans as I took them out before I was 40 and was told that they should be cancelled when I reached 50, I am now 56. Not one reply from them. Any advice is welcome JMG

How do you deal with people who just ignore you? I have sent all correspondence via recorded signed for and have kept proof of sending. All the letters have been received and signed for [i have kept a copy of their signature.] I assume they will ignore me until the end of my deferment when I will no doubt get accused of defaulting and then receive a demand for full payment. Who do I need to complain to about this and should I still send Eruido a request for deferment even though they are ignoring my letters? As always .. any help is appreciated. JMG

[As an aside, have you received anything from Erudio asking for your signature on any documents NOT related to deferment. I.E, new terms and conditions?] All I received was an initial letter informing me that they had purchased my SL from SLC and that they would be sending more info . I then received there long winded deferment form which asks for way more information than they legally require. I have not sent this back as I am awaiting the copies of the original loan agreements. I am still on deferment until May 2014 . JMG

Update: .. Well none really as Eruido have still to send me a copy of the original loan agreements. What do I do if they do not send these copies by the required date which is 16th April? Also.. while reading through the many messages on this wonderful website it has been mentioned that if you took the loans out before you were 40 they would be cancelled when you reached 50. I had my first S loan in 1995 when I were 37 and my last in 1998 when I were 40. Should the first 3 loans have been cancelled 6 years ago when I reached 50 anyway ? I have always deferred payments as I have never reached their payment threshold and never will. I am also on long term disability not sure if that changes anything. Your help is very much appreciated as always. JMG

Thank you JMG

Just a few quick questions: 1) Can I send Erudio a request for a copy of my original student loan agreements. [1995-1998]? 2) Do Erudio have a legal requirement to provide them? 3) How do I go about asking? Appreciate any help ... thank you. JMG