Thank you for all your advice Sorry, a question because I can’t see readily anywhere else and I may not quite understand the technicalities, would you assume that I am not statute barred if I’ve been deferring, albeit online rather than in writing, every year? That constitutes accepting the debt? Last time I physically deferred on paper may have been 2014 . Before I write or send a paper backdated signed SLC form

Thank you. It’s just confusing trying to work out exactly how to respond and how they may progress. Presumably there’s no chance of them ever getting 6500 quid of me and they know that

Hi sorry, not helpful to this but have been reading your other threads. Have you ever had confirmation whether Erudio are allowed to take away your right to have loan wiped after 25 years even if they’ve terminated. Guy at CAB says they can’t but thought you might know. Sorry to bother you if you don’t. Any other advice to my thread welcome if you have a sec x

You’re saying Erudio don’t care about original T&Cs? What I want to know is what are the rules on how much notice of termination (due to lateness or failure to defer) they are required to give Also have people in my position eventually been issued a CCJ?

Have spoken with CAB just for their opinion. They advise first of all requesting original Terms and Conditions . That legally the 98 ones should hold as a condition of the sale from SLC. For a start the CAB guy seemed to think it was wrong that as a result of the account being terminated & i lose the right to have the debt written off after 25 years. He also thinks it’s 25 years after signing last loan agreement (2000 in my case) rather than end of studies.

The fact that they could demand payment in full if deferrals not made every 12 months? I.e lateness? And they’ll say they sent enough notices that went ignored? But who decides the cut off point? Them?

Thanks. Last deferred I think September October 19. Am well under threshold. But there’s something in terms and conditions that I originally agreed to or since inadvertently whilst deferring?

Hello, any good advice welcome Trying to be brief: three loans transferred from SLC to Erudio along with a lot of other people’s Have been diligently deferring every year for nearly twenty years as always well under threshold. Until 2020... went to defer online, form slightly more complicated than usual (partly as has just started claiming UC due to loss of work due to Covid) and also because they wanted a letter from an accountant along with my tax return, which usually is all I’ve had to send). So paused it. Then forgot about it. Low winter with no work, lockdown related stuff, a bereavement), stupidly thought I’d be ok to defer whenever and was just accruing a few arrears (although I now realise that apparently they don’t do the 25 year wipe with outstanding arrears anyway). legally perhaps all responsibility is mine here. They send letters that I don’t open. Actually wasn’t clear they were from them - some had M&S taste card logos on so assumed they were junk Mail. Try to pick up online deferment again last week but not there. Phone them and an told account now terminated and full amount (£6500 inc arrears) now due. They try to get financial info off me on phone, how much council tax I pay etc but I don’t give them much and say I’ll call back. They know I am on UC. Lots of research done since but am overwhelmed and unsure how to proceed. A lawyer friend has helped me draft a letter that I haven’t sent yet saying I don’t accept termination, that I’d like to go back to deferrals (presumably they won’t do this ever now they have me where they want me). Ask for TCs and copy of original agreement. I guess they’re within their rights but is there any grey area? Also I’m guessing I’m not statute barred as have been deferring regularly? Although not on paper for perhaps over six years. now a letter yesterday from them pretty much just reiterating but also sneaking in vague idea that I could suggest a settlement. how to proceed? What will they do? Is it right that even after a CCJ they’d only ever get a couple of quid a month from me as a friend suggests? How do I weigh up letting them get least amount possible and also getting rid of them forever. Settlement sounds tempting of course but not sure I could give them much over 800 (my overdraft) would appreciate succinct advice from people who know. Thanks in advance