Thanks for all the advice here. I'd love to fight them, as ultimatly I do not want to lose my job just to pay these guys, but unfortunatly I do fear them, and what they could do to my credit rating. I've never been in trouble with a DCA, and it's worrying. I'm trying to not let it. But they have advised that I have 3 months to pay this arrears back and i'm bricking it tbh. Thanks for the support though

Since returning to work from Maternity leave the SLC have always informed me that Child Tax Credits is classed as income and therefore I was not able to defer (unlike shabby1978). Prior to having a child I deferred since leaving uni. You would have expected them to realise that the money I have receved for Child Care is spent on just that. When I originally challenged it with Slc,I was told that the Government made the decision , not them.

What I dont get though, is that the the CTC I receive is based upon the fact that the Government deems my Salary not enought to cover me working and being able to afford the childcare. If I had no child, or had a partner, then according to Student Loans I would not be recieving enough income to even pay this back yet. This is madness.

Thanks for your reply Silverfox, I was not even made aware of this company until today. Never even had a letter. I have just called SLC, and the guy on the end of the phone sounded disgusted with the situation, but advised that Erudio may have found something in the T&Cs that SLC did not use. I really dont want to take Redundancy, as I like my job, but may need to if this company can do this. I will sent them a letter as you mentioned though. Thanks again

Please excuse the spelling mistakes, I am at work and was typing frantically:oops:

Hello I've had a very worrying conversation with Erudio and now am very afraid of what lies ahead. My have an old Motrage Style loan. To give you some background, due to some tragic circumstances, I have been a single parent since my little one was born and work 4 days per week. Due to my salary I have Working Tax credits to enable me to pay nursery fees. Due to the top up I recieve from Tax Credits (for childcare) I have been approx 106 per month over the threshold for deferment. This has been the case for approx 18 months. SLC have been very understanding of my situation and agreed to a private agreement of me paying 50 per month. Anyway...today I called to make my monthly installments and have been advised that the debt was sold to Erudio so I would need to call them and make payment. I then called this company for them to scare me sh1tless....I explained my payment plan (which they accepted) but have advsed me that that if I do not pay the arrears on my account (which is just over £2000) then I will lose my right to defer ever again, and will also not be entitled to have the loan cancelled when I reach 50. My long term plan was to defer when my daughter goes to school in September (as i will not receive CTC so will be under the threshold) then pay the arrears each month after that) I cant believe this company has been able to buy the loans, and thus treat people like this. My work are offering Voluntary Redundancy and I am now considering taking this so that I can pay my Student Loan and not get my credit rating trashed. Is anyone else in a similar position, or even know if Eurodia are correct. Thanks In Advance