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Found 10 results

  1. Hello there, My partner has two student loans with Erudio. Back in March he received a phone call from them saying that his loan had matured and they wanted payment. We asked them to send this in writing and never heard anything, they also hadn’t sent any reminders regarding deferment. he continued with his deferment for his two thesis loans and received confirmation from SLC that deferment had been accepted for both Erudio and Thesis. However we received a letter last week from Erudio demanding payment of the loan. I called them on partners behalf, he has anxiety
  2. https://www.whatdotheyknow.com/request/assessment_of_deferment_applicat#incoming-562041 dx def process.pdf orig def form.pdf ref sheet.pdf
  3. I am hoping someone here would be able to offer some insight on my loan deferral before I tear my hair out! I have loans from 97/98/99 - originally they were partly sold off to Thesis and then later to Erudio. I have deferred payments every year based on my income. For the past 2 years, I have submitted my deferment application to Erudio via email (I live in Canada and never receive paper correspondence on time - did not want to risk missing the deadline for deferment). I followed the same procedure this year as my deferment is due at the end of March. I received
  4. How does this work? I'm actually quite late for this so they might no backdate it, anyway they failed to send the form out again last year! Every years I have to contact them to send one out but I have been so busy. Can I assume that I don't need to defer then if they don't send the form out and just ignore it, and move somewhere else? ie. where they can't trace me
  5. Hope someone can help me, my partner is being harassed by Erudio, despite giving them everything they have asked for more than once (and being subjected to a harrowing interrogation on the phone from a completely idiotic know-nothing for about half an hour!)! Are they allowed to demand (this time by post) a stamped SA302 form from HMRC to prove his self-assessed income? If HMRC electronically generates a completed form for you, why isn't that good enough? Are they allowed to change the T & C's from what he had in place with SLC since the late 90s re: deferment? Is there a form le
  6. Introduction I'd like to document the correspondence of my dealings with Erudio, aka Arrow Global / CarVal Investors in the hope it will help others; my student loans are from 92-95. Mission Objective To get written confirmation of deferment, as has been the case since loans were originated via SLC. Salvo #1 First contact was a big wad of paperwork as documented in other threads, asking for bank details, eye colour, inside leg measurement et al....and a signature! I ignored this first contact. They phoned and I requested a
  7. I also have this letter from SLC about them being non compliant and giving me reduction, but it doesn't say that Eruido or anyone else is taking over. There's no mention of it being sold. I have not been informed of this. Then I got the Erudio deferment pack. A few years ago the SLC refused me my legal rights to deferment and refused over the phone to send me a deferment form, saying that I could only defer for so long and that time had come to an end and now I had to start paying it back. I argued that i wasn't earning the threshold and was told that didn'
  8. Hello all, Sent separate CCA requests (recorded delivery, have sigs) for separate pre-1998 loans bought by Erudio, and no response in the 12+2. Haven't yet deferred, though will easily qualify, but the deferral period is up in next few days. Having read through all the recent related threads, I'm still not 100% sure on what's best to do (or not) next: Do I... 1) Wait until they contact me [in writing] - whether that be to respond to the CCA requests, or to tell me I am not deferred and need to start paying - and then take it from there? 2) Send in the def
  9. Hi all, i am wondering if you can help me. Ive had the most distressing phone call with an advisor from Eurdio. I was completing my deferment application and become quite concerned when I came to section 9 which asked for gross total income including state benefits. I currently receive rent that is heavily subsidised by housing benefit as I rent privately, I receive some council tax benefit, child and working tax and child benefit. My wages are only £900 per month but when I added the above benefits my gross total income was above their £2398 threshold for d
  10. Hello, Well the annual SLC hell arrived - deferment. I sent everything off in good time, recorded delivery, email, fax and also telephoned as every year they deny receipt so thought this year would be extra careful. I'm self employed and like many people at the moment, I on paper made a small loss overall in the previous tax year. I thought at least I don't have to pay the SLC. But no. They have rejected the application to defer on the basis that "the law states you need a minimum of XX per week to live on" and stating they will not defer my loans! I've communicated in writ
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