I wonder if I could get some advice?
Apologies if I am in the wrong place,
but just joined so I can try to resolve my problem.
This week I received a letter from Drydensfairfax asking for me to complete a expenditure sheet
as my student loan has been passed to them.
It also says that a CCJ was awarded against me on 11 November 1996
(I had two student loans taken out in 1995 and 1996).
I am not aware of the CCJ and would have been when I was living is student accommodation
so I assume letters didn't catch up with me.
In approximately 2002 SLC tracked me down,
probably after I got a mortgage,
and I made an agreement with them to pay £10 per month as I was in between work.
I have never defaulted on this and the money just goes out direct debit and I every year get a statement.
That is the only contact I have from them until
March this year when they wrote to inform me my debt had been sold to Erudio.
It said nothing was changing so I thought no more about it and the direct debit continued to go out.
Then mid october I got a letter from Drydensfairfax saying the loan had been sold to them.
I must have been busy when I opened the letter and just skimmed it
and took in that nothing had changed. Now the letter today which seems quite threatening.
It also says that I can't defer my loan if I wanted to because it is now a CCJ,
is that true as I am currently unemployed and if I could defer I would try to?
I am want to know what to do next as I am unsure why the threatening letter has come when I am making payments.
Could the payments be still going to SLC and not transferring to Drydensfairfax?
Do I complete the expenditure and offer to continue to pay £10 (there is a remaining £1375).
What can I do about the CCJ (it has never caused a problem when getting mortgages
but I will be needing to remortgage soon when my fixed rate expires and don't want it to cause a problem).
Sorry for the long post and I hope someone can help me.