Hi Jac00, we are in the same situation, I've decided to ignore them. You can't deal honorably with these hounds. Iit's worrying, but we live abroad and I doubt they'll try to come after us. See my posts. I'll check to see your new thread ( hard to know you have to start your own one, I was spamming others at first too).

Wow, this is interesting! Have you started a new thread? Does this mean you have to give them ALL the information requested on the DAF?

Thanks renegadeimp, I have noticed their underhand tactics, they're certainly good at scaring / harassing / totally stressing people out!

Yeah, I've been abroad for 13 years and am unlikely to come back. Even so, I was wondering if anyone knows whether it's likely they'd take legal action. My gut instinct is telling me to ignore them from now on.

Erudio took over my SLC pre 98 loans last year and despite claiming conditions would not change, they did. I did not complete their form as it requested info they weren't entitled to. I sent a covering letter and proof of income being below the threshold. I heard no news about deferral until a letter arrived to say their form wasn't in line with the consumer credit act, that my account had been frozen, to be rest assured no charges would be accrued, and that they were working to find a solution. 3 months later two letters arrive to say I'm in arrears and requesting a payment of over £1000!!! The whole matter is quite distressing and no matter how hard i try to shrug it off, it's a constant worry. I'm tempted to bury my head in the sand for 5 years in the hope of getting it statute barred. Negotiating with them has thus far only brought me more grief and achieved nothing. Are they likely to take me to court? Legal proceedings in Italy take a minimum of 7 years....

Erudio took over my SLC pre 98 loans last year and despite claiming conditions would not change, they did. I did not complete their form as it requested info they weren't entitled to. I sent a covering letter and proof of income being below the threshold. I heard no news about deferral until a letter arrived to say their form wasn't in line with the consumer credit act, that my account had been frozen, to be rest assured no charges would be accrued, and that they were working to find a solution. 3 months later two letters arrive to say I'm in arrears and requesting a payment of over £1000!!! The whole matter is quite distressing and no matter how hard i try to shrug it off, it's a constant worry. I'm tempted to bury my head in the sand for 5 years in the hope of getting it statute barred. Negotiating with them has thus far only brought me more grief and achieved nothing. Are they likely to take me to court? Legal proceedings in Italy take a minimum of 7 years....