Game on, thank you. So... I've printed standard SLC DAF's x2 today. Filled in info, dated one I missed for last year (Nov 2017) and the second one Oct 2018. Both will be sent via Special Delivery to SLC tomorrow. Out of interest, I recall the SLC telling me a few years ago that if there were arrears on the account (from previous late deferments) then the loans would no longer be eligible to drop off. Is that also a nonsense? I'll keep this thread updated with the outcome.

Thank you for the swift reply. I have 3 queries: 1. I've just downloaded the standard DAF. Are you suggesting I send copies to all 3 companies? Historically I've only ever sent DAF's to the SLC, never to Thesis or Erudio. 2. When you say send it for the years missed (2017), shall I just send 2 copies, one dated Nov 2017 and one dated Oct 2018? 3. Are Erudio legally able to 'cancel' my loan agreement and prevent the balance dropping off in 2025? I really appreciate the help!

Hi I'm so glad to have found this forum. I hold 5 student loans from years 1996 - 2000. The 1996 & 1997 loans are with Thesis The 1998, 1999 and 2000 loan are with Erudio I have never received a DAF from Erudio or signed any document with them. My loans have always been deferred thorugh the Student Loans Company, who now seem to have rebranded as SLC. Historially I've occasionally been late submitting deferment but it's never been an issue. I did not receive a DAF from anyone in 2017. Erudio have sent me a default notice letter saying I had to pay my arrears of £1254 to "remedy the breach of Agreement" by 21st Oct. For personal reasons I didn't open this letter until after that date. I rang them (sorry! - I won't make that mistake again, it was before I found this forum) to see what could be done. I've been told that I'm no longer eligible for deferment. I was explicitly told that the agreement has been cancelled and that I'm no longer entitleld to have the loan written off in 2025 and that I need to enter into a repayment plan. When I started receiving letters I spoke with SLC (last month) and they have sent me a replacement DAF, however it only lists the 2 Thesis loan account numbers, not the 3 Erudio ones. I'd greatly appreciate advice on where I stand legally and what my next step should be. Thesis are also now calling, emailing and texting but I haven't yet responded to them. Many thanks DJ