So it that your advice then say the loan has matured and is no longer collectable

Absolutely not but they do leave a message on my answer phone everyday

The termination letter mentioned court, when I question Erudio on this they backtracked so I am not even sure if that letter is legal> I am sure this is all chancing their arm

They did send me a termination letter last week , when I questioned which court I should contact, I was told that they would rather set up a payment plan with me, I found that quite suspicious and obvious scare tactics. Thanks for the advice on the SAR I will do that. Do you know if anyone has taken them to court over this and won

Hi I am looking for some advice, I have been in contact with Erudio as due to my T&cs in my student loans my loans were due to be cancelled in july 2014. They are now more than two years later claiming I was in arrears at that time and I need to pay more than £4K. I had applied for deferment at the time from SLC they had rejected the deferment I disputed this as in all previous years my tax allowable pension and childcare vouchers were allowed in the calculation and Gross Pay was used to calculate the deferment . I heard nothing back for two years save some statements, a few months ago this from Erudio. I have explained the situation to them several times by letter and email. Now they are calling my home number every day which I don't answer and have repeatedly asked for them to contact by email or letter only so there is a paper trail. I have additionally contacted the financial ombudsman. Does anyone have any advice on how to approach this Thanks