Hi, thanks for the comments on here. All best luck to the OP. This has really helped me too. I agree that the OP on here should fight them. I have fought debtors in the past, and it is well worth it. The letter threats are all they have. I am a mortgage style loan recipient too. Once qualified as a teacher in '99, I couldn't get a job in my area and moved my whole family to London to find work. This was great till the london allowance (drop in ocean) they paid meant I had to start paying my student loan back early. I mean, if the london allowance was meant to increase my income to a level playing field, how come it then meant that I owed more debt? In effect the london allowance left me worse off. Such is life, but I couldn't pay the SLC the amount they wanted. So I developed some arrears. I had no choice. Children have to be fed and clothed. Now they are threatening all the same things the OP is threatened with. I am going to wite the a 'debt in dispute' letter. The cheek of it. I never signed up to this, would have thought twice about retraining with three kids and pushing 40, if I had. I always considered those arrears to be unfair and ill- gotten. Been paying a pound a month until the sell off, but in the earlier days,(days of Blair politics, pre credit crunch) the SLC were much more aggressive at trying to retrieve more money, and I was subjected to many a nasty call from them too, and had to cough up a lot more then, at least while I was teaching full time. As it is, I still owe more than the orginal loans were, due to interest. I now have health issues regarding mobility,a spinal condition, so I think I have a good case for getting it all written off now, not when I'm 60, which I am in 5 years. There's not really any way I can now do even a menial job such as cleaning. I would not be too proud to do this -I'm not at all a job snob, and I have done cleaning jobs before I retrained. It's good honest graft. The only job I would never do is debt collection. I think it is possibly illegal for Erudio to threaten people with the removal of their age- related loan cancellation. The credit file stuff- well all I can say is that my credit file has been TRULLY appalling for the last six years. Life does go on, despite that. We have moved twice- albeit to rented accommodation - but we were credit checked for both of those. Now, I have one thing left on it to drop off. It's going next month. It would be annoying for this debt to now make an appearance there. However, the recent case on the guy with the computer purchase has set an important precedent for challenging anything on there. Also, it's possible it could be on there but that it could have little effect- because a lot of people are going to have them go on? Because of my health, and because of several difficulties in finding long term work when we moved back up north (we had to move back as despite permanent employment there, because of debt accrued in retraining/ moving, plus the cost of the student loan repayments, we just were not making ends meet) my career plans didn't work out the way I wanted. Such is the way life goes sometimes. I was supposed to work full time for 20 years, and then live on my pension, and so on and so on, happy ever after for everyone, including the SLC. As Martin Lewis points out, Student loans are misnamed, They should be called what they are called in other countries- student contributions. That is to say, the student only pays it back if they can,and they pay back only what they can. Again, love and strength to the OP, and anyone else going though this. I love this forum.

Just to update and thank the people involved on here for their advice. I took your advice. I told them to ask lloyds themselves, and they did, eventually. No cca agreement was available and so, after I sent them the appropriate template letter, they have gone completely quiet on this. In fact they have left me alone. This is a great relief to me, as two years ago they were ringing me three or four times a week, accusing me of being a thief -and what had I done with their money? etc There were times when I only kept going because of the kids. Debt can be so devastating. I lost my job with 2 weeks notice, and couldn't find another one, so suddenly went from £27000 per year to zilch. I wasn't in the plan. I still have a couple of my debts to sort out, and this forum is helping me with those too. I think this forum may actually have saved my life. It certainly saved my sanity, and I can look forward and enjoy life once more.

I'm in the same boat Master Woody. Good luck and hold your nerve. Remember, all they have is hot air!

Thanks for that. Am writing the letter asap.

ok sounds like I should write back to Robinson? Feel like they are being a bit cagey with me that's all.

Anyone:(? Please I really need some advice on this.

Hi. This is regarding a debt to LLoyds TSB. I have asked Robinson Way, who are dealing with it, to send me the CCA(s) They say I hAve to contact the bank directly for this, as they have not purchased the debt. Is this true? They went over the 14 days in replying with this. I think they should do this as they are acting for the bank. I want to dispute charges and interest added to this debt. It's quite a large debt consisting of overdraft and unsecured loans. I also want to look at ppa agreements on the loans. I've got a feeling they have rung the bank and no agreements there. Most of this debt occurred 2004 but I have paid some off. Was paying 5 pounds a month but then thought about looking at charge refunds etc so asked for details.