Another question I have - Is debt collection agencies like Dryden Fairfax allowed to send emails? What if I never received the email they sent me last week!? Or I stopped using that address.

I don't recall corresponding with Erudio. However I sent a change of address in 2016 to SLC and that's how guess Capquest got in touch. Unsure what to do next? Send my SAR to Erudio and SLC? Thanks p.s I'll definitely send a donation to this fantastic website!

Urgh - I've just been searching my old emails and I noticed I made a small payment to company called Capquest - who were administered by CapQuest - only £75 in 2017. I guess that cancels out the SB as a defence. Well my student loan account should have been in deferment when the loans were assigned to Erudio. I also never received a Notice of Assignment from Erudio. If I contact them what shall I say? Shall I say to Dryden that I'm sending SAR's to Erudio and SLC. If I found my SLC online portal do I need to ask SLC?

I've checked my online SLC account now - and have an 'End of Deferment Pack from - December 2013 - then nothing further. And before that - they contacted me was on 4 November 2013 - the letter says that the loan from 97 is deferred for a period ending on 27 December 2013. And if I want to further defer I need to fill in the enclosed form. If I have any further questions I need to contact Thesis Servicing. There was nothing about 98, 99 and 00 loans and no mention of Erudio. I don't think I was ever notified that Erudio were taking over the loans. I don't have any letters. Is it worth asking Erudio what paperwork they have? Is it worth complaining to the Financial Ombudsman and FCA?

I checked my UK credit file and there appears to be no ccj - I looked at experian and equifax and no CCJs. Shall I respond to the Erudio letter first and I wondered why Dryden are emailing? Unsure what to do next. I think I need to find out what records the SLC have about my last deferment date.

I wondered why Erudio are writing to me and Dryden solicitors also emailing at the same time. It was only a week apart in them both communicating with me. Shall I reply to both? Or just Erudio? Thanks for responding to me.

Hello everyone, I took out the old-style student loans from 1998 - 2001. I always deferred as I never earnt above the threshold. I last deferred in 2013. In 2014 I filled in the deferment forms, however I lived overseas from 2015 until 2016 and I don't think I ever received proper notification that slc loans were being managed by Erudio. I have had big gaps in communication from Erudio - however they have recently written to me - a standard letter saying that this is a notice of sums in arrears and I'm behind in payments. And contact details if I want to discuss the state of my account with them. Last week, Dryden solicitors have contacted me. I received an email from a Technical Litigation Officer at Dryden Fairfax. "further legal proceedings may commence without further notice. This may include an application to the Court to progress the legal action commenced against you. It is also likely that any such application will include an Application for Summary Judgment." I'm confused why I'm hearing from both organisations. What shall I do? I thought about asking Erudio for proof that the sent me a deferment form. Also asking the FCA and Financial ombudsman for advice. Thanks