Thanks so much for your help. I'll give it a try!

Yes that's correct - i hadn't heard from them since taking out my loans - so since graduating in 2003 i never paid anything, never heard from them at all. Then i was contacted in 2012 it seems (from an email search) then from then on I think i have deferred three times in the time since.

Ok thanks. I don't want to end up with going to court or a CCJ... Being completely honest i have no idea how it all works. They hadn't contacted me for years - i realise now i shouldn't have responded as it was over the time period to be statute barred (i think that's what it's called?!) Anyhow, i stupidly did reply and deferred it last year...

Thank you for your reply. I am self employed and earning over the threshold this year - i can afford to make monthly payments but not the full amount. will they accept that now? I'm worried as i can't afford to pay the full amount in one go...

Hi. I've attempted to find the answers on here but my head is swimming... I've received notice that i'm in default and erudio want full payment. I thought i was in deferment although now realised that this had lapsed in September. I haven't received any letters prior to this one. I've logged into my online account and not sure where to go from here. I thought id be paying the monthly amount after my deferment lapsed. This i realise hasn't been taken. My loans are from 1996 and 1999. I can afford to pay the monthly fee but not the whole amount which is what they now want... What should i do?!