Hi,

Just after some advice,

I have walked in tonight to find a letter from Erudio (DCA) claiming that I have an arrears on my student loan they manage.

I can never remember going into arrears with them and know in the past when for whatever reason I may have been late getting my deferment in

I have ended up paying a single payment towards the loan.

This hasn't happened recently and can only ever remember it happening once since taking out the loans (99-03).

The letter just states that I am in arrears for £118.00 but have been given no details of when this arrears occurred and also that it should the arrears remain on my account that I may forfeit the contractual right to write it off.

I have only just deffered my loans and try to make sure I return the application for deferment as soon as I get it.

My question is

do I contest this

is there a formula for doing so that will get a response as I'm noticing that they are difficult to deal with and using ccj's which I really don't need.

I have looked through the forum but to be honest it seems a little jumbled up where this company is concerned and wanted to make sure I was doing the right thing.

Thanks for any help

Ahh Eurido or whatever they call themselves now are just a Debt collection parasite, if you have a look on the student loans section there are literally hundreds of threads about eurido and their dirty tricks.

DX will no doubt be along and set you straight, but I recommend you read a few of the Eurido threads in the mean time. PS: Do not stress and do not pay the nonsense arrears charge these bottom feeding parasites demand.

moved to the slc forum.

dx

have you deferred EVERY year?

and I hope you've not used the forms erudio have sent you?

expand on your story please

Hi dk100uk,

I have deferred every year and I’m not sure about the their form as I have always just returned the form I was sent along with the required doc’s.

Looking at this years proof of deferment letter that one loan is being serviced by Thesis and three by Erudio.

But has for signing their form I have to hold my hands up and say I’m not sure the form I fill out and return has the Student Loan Company header and looks no different from every other year.

How can I find out if I have mistakenly signed their form and can I demand proof of arrears has I can’t remember missing a deferment in the past few years.

I would send them a SAR letter.

well arrows have been carpeted by the FOS several times now and been told to remove these bogus default/arrears charges

which they then use to spoof people into coughing up money over as the loans never then expire. clever that.

as for thesis [link dca] plenty of threads on them here too!

Hi WarrenBuffet/dx100uk,

Am I right in that the SAR will show if I ever signed their form and also if there are any arrears on my account?

Sorry if this is going along the same line as previous threads but I read through most and got more confused by the advice being given.

dx100uk could you clarify "the loans never then expire part"?

Do you mean that it just carries on has before (deferment every year) has they can not break the contract set out originally or can they re-call the loan at any point has they have brought them and so own them.

Thanks for all the help.

Not had much of thesis yet but I guess there is still plenty of time .

Yes a SAR will give you a copy of every document they have, including deferments and you should study these documents carefully as there are often anomalys within.

What you need to know is Eruido or whatever ? is just Josephs coat of many colours. It is the same company and once they get heat from the Ombudsman or FCA they send you a nonsense letter stating your debt (alleged) has been sold to another dca . If you investigate a little deeper you will quicly find its the same company. When you ring Eurido sometimes the people answer as being Arrows or one of the many other names, I used to laugh at them on the phone.

Do not take their threats seriously as it is an intimidation attempt and no more to extract money from you, afterall they paid upto 5p in the pound for your debt (alleged) and they will blatantly lie, bully and extort money from you as is evidenced by their b.s. arrears claims. Do not be scared of them as they are bullies and bottom feeding parasites and they prey on innocent people.

once defaulted/arrears it does not expire [get wiped out] when you reach a certain age or 25yrs isn't someone

that's why they do it.

Thanks to both of you.

I have started my SAR and will wait to see what if anything they have on me,

can't believe that companies like SLC can be associated with crooks like this.

Surely this will be the next PPI scandal.

Are there any anomaly's that crop up on a regular basis that I should be particularly looking for?

I will keep you updated on this thread on any other letters I receive and how I get on long term as I know that people like myself are probably looking for endings, which rarely get posted once an issue has been resolved.

best idea is to read as many thread in this slc forum as you can

the more you read

the stronger we become

Will do.

After reading your advice on the SAR thread do I send it to SLC or to the DCA and if it is to the DCA I don't sign it is this right? I have moved quite a lot since taking the initial student loans so do I have to list all previous addresses?

Just want to get it right, sorry.

but erudio already have your details and sig as you've signed their forms.

I have looked at the DAF form that is on the SLC forum and it looks exactly like the one I have signed since taking out the loans originally.

Have I been duped into signing their forms that look identical to the original ones (apart from new t&c's) or do erudio forms look completely different.

afaik they are total diff with differing T&C's

they are on here somewhere

You can read my thread and may help you webhedzvv,

i wont try to advise as these guys are extremely knowledgeable i am not.

However dont sign their new DAF, use the one on here for future, its in my thread.

They did a similar thing to me and many if you have a google or on here, standard tactic because ultimately they bought the debt and are a DCA, and you may similar to me, be approaching the end of the 25 year period and they want to try and get as much money as they can.

Keep a copy of everything, even your recorded delivery receipts.

Doesnt sound like you have done anything wrong so dont let them bully you or scare you.

im not sure where you stand if you signed their new DAF t&cs,

i would be interested in where you stand with this also and if they can hold you to those new t&cs, doesnt seem right, im not convinced they can hold you to that as the FOS ruled the previous DAF completely fine to use so use those moving forward as the others have stated. DCA's break a lot of rules hoping you'll be frightened into succumbing to their demands eventually.

Knowledge really does = power and confidence, keeping researching and stay ahead of the game. These guys will help you but please read up also

i recall their forms being somewhat different in the things they ask such as NI number etc, so just double check all this

im not sure what these guys think but i would suggest like me initially request a CCA a well as the SAR. Pretty standard, i requested both

Before you do anything gather all your info