Date of issue – 2nd Nov. Only got it a few days ago so it looks as if I've got to get things in by Wednesday? Particulars of Claim What is the claim for 3 separate Student Loans Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ?Not that I'm aware of. What is the total value of the claim?Not 100% sure, but each amount is £2k+ Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Student loans When did you enter into the original agreement before or after April 2007 ?I started university in 1998. Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ?Haven't had a chance to look. Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Erudio. Were you aware the account had been assigned – did you receive a Notice of Assignment?No. Did you receive a Default Notice from the original creditor? No. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ?No. Why did you cease payments? Never made any. Originally deferred with the SLC but never received anything else from Erudio. What was the date of your last payment?Never Was there a dispute with the original creditor that remains unresolved?No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No

I have no idea but years ago. It was with the SLC in Glasgow. All forms came from them. My degree was a 4yr course that started in 1998 although I may have applied the year before but deferred starting for a year.

I graduated back in 2002. I know after that, the Student Loans Company sent me deferment forms which were filled in and accepted. Erudio took these over years ago and I have never received any deferment forms from them, or any way of doing so. I've made no payments or, as far as I'm aware, acknowledged anything with them. The other day, 3 brown envelopes arrived from Northampton. Opened one and it was a County Court business centre claim form for £2400ish against me from Erudio / Drydens. (Letters from Drymens telling me that I would receive court papers arrived a few days later). I have no idea what to do here. I'm not fully clued up on the logistics of the loans and can't remember exactly when they were taken out but if I graduated in 2002, the 1998-2002 seems about right. I've never earned the required £2200 or so a month and this was fine with the SLC and I'm not exactly making enough to make the sort of payments they would probably be looking for. The last thing I want are CCJs against me for this. The forms seem to be giving me the options of: Admitting the amount and want time to pay Admitting part of the amount Disputing the claim 28 days needed to prepare a defence. The forms didn't go to the address I've generally living at (but to my parents I used to live at) so I've got maybe 6-7 days now to do something. Any ideas what I should do? Whilst I don't mind paying them back if I have the funds to do so over time, why have they waited 16 years after my graduation in order to do anything?