Hi I'm in a very similar position. After deferring my loans and getting letters for 6 years saying I owed nothing, suddenly I got threatening letters! The letters I got for years said nothing about further deferments. What do yours say? My case is also complicated by mental health problems. But this does not mean I am stupid. My case was put back to Drydens and a claim made. However, I decided to ask to see my personal information. After 4 requests they sent me a pile of printout which proves they have made a big mistake. I suggest you write asking for your info under the Data Protection Act and send them £10. Then check the entire carefully. Under the Consumer Credit Act Hounors Trustee Ltd, which I think is the holding company, must abide by the OFT guidance on debt collecting. This can be found at http://www.oft.gov.uk/OFTwork/publications/publication-categories/guidance/consumer_credit_act/oft664rev There is a companion document about steps to take if debtor has mental health probs. Link is in the guidance. I think I now have them on the run. Please let me know if I can help further.