I graduated back in 2002.
I know after that, the Student Loans Company sent me deferment forms which were filled in and accepted.
Erudio took these over years ago and I have never received any deferment forms from them, or any way of doing so.
I've made no payments or, as far as I'm aware, acknowledged anything with them.
The other day, 3 brown envelopes arrived from Northampton.
Opened one and it was a County Court business centre claim form for £2400ish against me from Erudio / Drydens. (Letters from Drymens telling me that I would receive court papers arrived a few days later).