This is my first post on your awesome site.
I have been reading posts for two solid days, and like so many others am just after some clarity on what to do next.
Regarding my Old Style Student Loans (1993,94 & 95).
Between 1996 and 2012 either successfully deferred or correct payments made.
The last payment I made was in 2012.
Deferment applied for in late 2012.
All forms, statements, evidence sent to Student Loans Company. Sadly I have no proof of this.
Thought nothing more of it. Did not get a refusal of deferment so assumed all ok.
In 2015 I get a NOTICE OF SUMS IN ARREARS from Erudio.
Having spoken with Erudio they told me that my Loans were Terminated in December 2014, then passed to Capquest.
Erudio said that without any proof of me sending in my application to the Student Loans Company to defer, there was nothing they could do.
Erudio still send annual statements.
Capquest send emails and texts advising me to use their portal which does not work.
They have sent two settlement offers, the best one being a 70% reduction in 2017.
The Loan total amount is £1,156.52.
I have had no paperwork from Capquest since 2019.
Erudio have my correct address so there is no pile of unopened letters at a previous address.
Apologies for not being able to find the answers on the many posts you have on this subject.
I have options but which ones would you now advise and in which order should I do them?
A lawyer friend said I may have a case for an UNFAIR RELATIONSHIP with Erudio as the loan should have been marked as deferred back in 2014 when they took it on?
I have read your previous advice about asking for a Subject Access Report - who from in my case?
Erudio - or can you ask for one from Student Loans Company? Or both?
No payments have been made since 2012 as stated, and I have not written to Capquest 'admitting' liability for the debt.
Both the 25 year loan limit and me reaching 50 years old have now happened
- but as I have read this does not apply to my loan in the state it is now.
Should I send the STATUTE BARRED template letter first to Capquest?
Or first try to prove the loan was deferred when Erudio took it on?
Again I am unclear if its even possible to backdate deferment, or even worth telling Erudio I will take this matter further, etc.
I know it was spoken about in other posts but I could not find the final answer.
At no point has any paperwork from Erudio or Capquest mentioned 'Further Action'.
With regards to the Statute Barring, am I right in saying the DEFAULT date is the date of the Erudio Loan Termination which as mentioned is Dec 2014?
I hope I have included all the relevant details here for you to be able to comment.
Many many thanks in advance.
The G 99