Hello you good people! Please advise, as I've read all the relevant threads but none end with a definitive answer or resolution.
I deferred my Student Loans from 93,93,95 each May until 2013 when due to a move, I forgot. I phoned SLC around late 2014 to be told the loans were now with Erudio and to phone them.
Having read all the hoo-haa surrounding Erudio, I didn't phone. Nothing further happened.
Fast forward to March 2017 and I noticed a hard search on my credit file from Erudio. Nothing further happened.
Since last month I have started getting multiple phone calls from Erudio. No message is ever left, and I have blocked each number identified as coming from their stable. As I am on the voters' roll, I can safely assume they have my current address should they decide to write.
Could anyone please advise on what my options are?
I don't want them getting a backdoor CCJ, but the account must be in 'arrears' since around June 2013. I am not in a position to pay, nor do I earn over the threshold requiring me to do so.
As far as I can see, having read the other threads, my move should be to wait until they send a begging letter, then I send them a request for my original CCA?
If/When they do what should I do then?
By my calculations the first 93 loan should reach the '25 years' write-off point this year, however as I'm currently in arrears I don't think it applies?
As my last deferment ran out May 2013 do you think I can just wait another 12 months, 'head-in-the-sand' stylee, until the debt becomes statute barred?
I'd just like to know my options, and the dirty tactics I can expect from Erudio now the beast has woken and acquired me!!
Any advice gratefully received. Thanks for your time.