Sorry if I've jumped in where I shouldnt...
but I'm brand new to this group and have spent the last hour trawling through threads to try and establish which route I need to take in my situation.
To be honest, I have got kind of lost in the jargon and legal aspects of it all,
but I'm hoping someone can kindly advise or point me in the right direction !
I took out 2 student loans in 1996 and 1997.
I then deferred successfully until the SLC sold out to Erudio Student Loans Ltd.
This is where my issues begun
before I knew it I was being sent payment arrears letters due to non deferment, due to a combination of poor communication from Erudio and my own frustration with their incompetence ,leading me to give up on the process (Despite earning well below the payback threshold).
Numerous letters followed, which I ignored because It seemed fruitless and then wrongly thinking it had gone away, I moved house and forgot about the matter.
Until today, when I recieved a letter of claim from 'drydensfairfax" threatening legal proceedings.
Dryden state my debt was assigned to Eurodio on 22nd November 22 2013, which is conveniently 5 months away from the 6 year SB.
I have never written to Eurodio or made payment, and I do not recall the last time I successfully deferred.
I do not wish to go to court, and I have never earnt over the threshold to have to pay my student loan back.But of course I gave up on deferment due to the stress of it so don't know if I have a leg to stand on.What would be my best course of action. Any advice would be much appreciated.
May I just add,
I have been in contact with the SLC today to try and establish my last deferment date - but they said that they couldn't give me that information and that I would need to ring Erudio student loans.
Is this correct?
Worried about making contact with them due to their link to Dryden.