I have 3 student loans from pre-1995 which have been deferred bar a brief spell shortly after I graduated.

Last week I received a phone call from Erudio stating I was in arrears and would I like to make a payment to clear.

I queried and said accounts were deferred and I was not aware of any arrears.

She told me I should have received a letter and then said it was an system error, then retracted and said I should have received a letter.

I was polite but firm and said you shouldn't call people requesting payment with no further information.

She said she would put a block on phone calls for a few weeks until I receive the letter. She also mentioned my account would be written off soon but only if arrears were cleared.

Today I received 3 Erudio letters with an FCA Arrears information sheet.

They state 'you are behind with your payments under the Agreement' but there is no further information re how these arrears arose.

Nor is there information about how to repay just a request to contact by telephone, post or e-mail to 'discuss the state of your account with us'.

Other that this I only ever receive and return deferment forms (never including the NI information) online and so this is a bolt out of the blue.

Is this happeneing to others and is it legitimate and what should I do?

Nothing ignore them

And never ever ring a fleecing dca..

They are not bailiffs!!

Thanks for this. Is this just a routine method of Erudio trying to intimidate clients into making a payment when there aren't actually any arrears on my account? I'm just concerned that they may refer this to a DCA and it will escalate.

They are a dca!!...arrows own erudio!!

What are you scared of??

Yoy do understand a dca is NOT a BAILIFF

And have

ZERO legal powers

I've read a lot about SLC and so was prepared for some shady behaviour.

I made sure I only sent informaton that was on the originaly SLC deferment form for example.

I just don't want this 'arrears' situation to come back and bite me and for them to use it as a means of not writing off my loans on the 25 year due date.

Also wanted to find out if this was a routine wheeze of theirs and if others were getting them too.

the fos have already chastised and warned erudio for making false arrears claims because of that very reason

Thank you. I will ignore and return here to report how it plays out. I cannot believe Erudio are legally able to invent fantasy arrears in letters without sustantiating them - but I guess I shoudn't be suprised!

Do you think they will continue to call and send me letters - and if so I gather I should just ignore....

Ill give you 10/10 for only ever using the SLC deferment form

Best thing to do everytime.

But yes they do make phantom arrears just to see if they can con people into panic paying.