Hi all, I've also been having problems with Erudio. I have been successfully been deferring my pre-1998 S.Loans since then and I moved overseas in 2001 and had opted to authorise my father to defer it on my behalf every year as I was doing working holidays, moving from country to country and all that stuff.. .I settled down a few years ago and have now just de-authoised my dad to handle my SL's as he has recently retired and spends a lot of time overseas himeself and is not able to handle the mail/forms anymore, my father had posted me the Erudio deferment forms last year and I provided Erudio with a letter de-authorising my father and filled in the form with all my details, address overseas, phone number, email as well as my income details - not knowing that in the UK the .... was hitting the fan with most deferring SL people - I am still well under the earning limit but provided them with an old empty UK bank account for DD as required, I have now closed that account as they tried to set up a DD - so its obvious that they in fact DID receive my deferment forms -(they still haven't contacted me BTW...and I have no idea what is going on) They did not provide any receipt of my deferment forms nor any information on its outcome even though I emailed them several times. They continued to call and mail my fathers home but would not provide him with info as he's no longer authorised to act on my behalf - (mind boggling!) I am now about to write a letter of complaint to them and the FOS, my father has already contacted his local MP to try and stop the harassment of him when he's home. I've been trawling the internet but everything is a bit scattered - hard to understand the whole picture from overseas. 1. What are my rights as a pre-'98 loan holder, is there a situation or an age where it will be written off? - I keep reading conflicting info 2. Ive been reading about people requesting a CCA and getting no replies which supposedly means Erudio are breaching the T&C's therefore the loan will be defaulted? Is this true? Whats that all about? 3. I'm trying to keep a professional relationship and honour the T&C set out by the original SLC but they have been so uncooperative I'm thinking that it's a bad idea and If I'm living overseas - should I even bother sending them anything and keeping in contact - what will happen if I just cease contact with them? Thanks for any information and support. J