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TheKarrotman

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About TheKarrotman

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  1. Regards DD mandates, I don't recall ever filling one out for erudio. I'm pretty sure they just cancelled my SLC one and set up their own. Not an issue for me. Yep the deferment does seem different to the majority. Thesis send me the forms but SLC actually handle them (even though I have no remaining SLC loans!!!). Deferment is communicated to Thesis and Erudio. Bizarre but again not an issue for me. I'm just going to draft a letter to Erudio requesting an explanation for why they didn't take payments last year, why they failed to contact me prior to the default notice and state
  2. my understanding is that they do have a legal hold over me. I'm under the impression that ultimately they could get a CCJ issued against me if I neither deferred nor kept up repayments. Are you saying that's not the case? My loan was neither obsolete nor defunked when it was sold. It will have been in the category of poor performers due to being deferred for pretty much 16 of the 17 previous years. I've never requested my CCA and don't recall signing anything except the original SLC one. TBH I've not taken much notice of Erudio until this default notice.
  3. Thanks DX but you've got the wrong end of the stick - it is a bit of a waffly post now I reread it, sorry! Nobody owes me money and I've no problem with repaying by direct debit when I'm not deferring. The problem is that for 6 months last year when they should have taken money, they didn't and the first I've heard about it is via a default notice giving me 25 days to pay the 6 months of missed payments. I suspect it's not a legal default notice as they've made no effort previously to tell me about the arrears. In an ideal world, we'd agree that they missed th
  4. Hopefully this hasn't been covered elsewhere - I've spent lots of time trawling the Erudio forums. I have student loans from 1998 & 1999 which have been transferred to Erudio. I have an earlier loan with Thesis and so they handle my deferment application for all three loans. I came off a period of deferment in March 2016 but Erudio did not start collecting payments via direct debit until September 2016 meaning there were a total of 6 monthly payments that were not collected. I wasn't on top of my admin last year and so didn't pick up that only Thesis were coll
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