Hi I am looking for some advice, I have been in contact with Erudio as due to my T&cs in my student loans my loans were due to be cancelled in july 2014. They are now more than two years later claiming I was in arrears at that time and I need to pay more than £4K. I had applied for deferment at the time from SLC they had rejected the deferment I disputed this as in all previous years my tax allowable pension and childcare vouchers were allowed in the calculation and Gross Pay was used to calculate the deferment . I heard nothing back for two years save some statements, a few months ago this from Erudio. I have explained the situation to them several times by letter and email. Now they are calling my home number every day which I don't answer and have repeatedly asked for them to contact by email or letter only so there is a paper trail. I have additionally contacted the financial ombudsman. Does anyone have any advice on how to approach this Thanks

BBC 1 now

Hello So much information out there my brain is fried and it's about time I sorted this out. Erudio have started up their harassment again, stating my loans have matured and full payment is now required. My 4 loans are from between 1996-2000. I am self employed, have never earned above the threshold and although I have moved around a lot I have always kept in touch with both SLC and their parasite DCAs to update them of my situation. I responded to erudio's first demand letter by informing them about my income and including some sa302s. They have ignored this and gone straight to the second demand letter to pay in full within 7 days or legal action, etc. Is it correct that Erudio are only a DCA? If so what power do they actually have or is it just scare mongering? How do I make them stop, I don't want to ignore them and have the harassment continue but how do I respond correctly? Also, what can I do about the excessive fees and charges added over the years from them and the previous DCAs. I will continue to do my research but any advice on what legal action I can take would be greatly appreciated. Thanks again.

I was sick with panic when Link Financial rung me regarding a 97 Student Loan. I have found the correct Statute Barred template and sent it Special delivery to PO Box 141 Caerphilly, CF839BX I have tracked it and its status is only delivered and not yet collected. I am concerned about this. Should I also fax and email? Is there a better address to send it to - how long should I wait? I really appreciate your help on this one to alleviate the worry. many THanks, Clear 33 --------------------------------

first of all, hello I'm new on here secondly, sorry for the slightly silly title this relates to a student loan from way back in 1992. It was deferred for many years, when it transferred from SLC to Erudio I noticed that £9 a month was coming out of my pay packet. I was earning below the threshold but decided to just let it happen, it was only £9 a month and not worth kicking up a fuss. That continued for a couple of years and then suddenly it stopped. No explanation or anything from Erudio about what was going on. Again, I just left it, what the hell I thought. There was then a gap of maybe a year during which I heard nothing from Erudio. Then out of the blue about 6 months ago I got a letter from them saying my loan would now be managed by Capquest. No explanation as to why. Nothing from them saying I was in default or anything, no arrears either. Capquest then start hounding me for the money. Its about £500 I owe. they wanted all the money, there and then! They wrote to me and phoned me. They wanted to know what car I have, what mortgage I have, how much my wife earns. They said I could not defer even though I earn well below the threshold. In the end I agreed to carry on paying £9 a month to them by direct debit. Its not the end of the world but I do feel like they've pulled a fast one on me. My loan is 24 years old. I long believed it would be written off at 25 years. Have they just knocked that one of the head for me between them? I had a statement from Erudio last month which clearly states I have no arrears. Yet when I emailed Erudio asking for a deferment form they said my account with them was terminated and I could only deal with the horrible capquest. Sorry for the ramble. Like I say its not the end of the world for me, I just feel like I've been conned a bit by them, and any thoughts or advice would be very much appreciated.

I have a few student loans taking back from 1997, 98, 99 and 00. I went Bankrupt in 2010 but was told my student loans would not be included in my Bankrupcy. I spoke to SLC and they backed this up. I was still receiving deferment forms from SLC and I kept deferring the payments but have now received a letter from Erudio who say they have now bought the debt. I have now read that certain student loans could be put under Bankrupcy so could be written off. Would these loans have been written off when I was declared bankrupt? Was I miss-informed? Any information would be great

Its been 2 years since I heard from Erudio. In April 2014 I sent off the deferment template letter from here along with original pay stubs which qualified me for deferment. Since then I have had no contact from them, until today. Today I got 6 x "Notice of sum in arrears" going back to August 2014 in one envelope The cover letter was titled "Remedy of Account" and basically says they have been sorting stuff out and havent charged interest but will do so on June 1st. The letters tell me I am 2 years in arrears. They seem to basically have ignored my application for deferral in 2014. Any advice on how to move forward would be appreciated. I do still qualify for deferment and live in the USA, if that makes a difference. Thank you

Hi, I am hoping to get some advice following a letter i received from Drysdenfairfax Solicitors at the end of July. I took out a student loan for 3 years while at university finishing in 1997. I cannot remember whether all of my student loan payments were completed against the loan amount as it was such a long time ago (20 years!!). However, I have had no contact with the Student Loans Company, Erudio or any debt agency about this for at least 10 years nor have they tried to contact me. I received a letter now from Drydensfairfax Solicitors saying that their records show I owe about £5000 to Erudio and there is a CCJ against me and that I am a registered property owner. I have checked with Equifax and there is no mention of a CCJ but I do own a house. Drydensfairfax say they wish to proceed with a Charging Order to secure the debt against the property. I tried to contact Erudio to understand what the situation is but they say they have no involvement as this has now been passed to CapQuest (this company has tried calling me a few times but i have ignored them as they leave unspecific general voice messages). Erudio suggested I speak to CapQuest but I do not want to call anyone until I understand what my position is. Can anyone advise me please on what I should do now as I am concerned with a potential court order against my home. Is this a genuine claim and could they get this Charging Order even if there is no CCJ within the last 6 years? Any advice would be really appreciated. Many thanks

....and why should I pay them anything? I got a letter from Erudio today. Never heard of them before. They say I should be paying them not the Student Loans Company. Who are they? SLC have never written to me, they could be anyone. I'm not in the habit of sending money to any old company that asks. I have read a little here and there is a company called that but still it could be a [problem]. Anyone can send out a letter.

Hi all, I've been reading through a quite a few threads on the site (there are quite a lot now!) for the last couple of weeks and they've really helped me understand whats going on. Not everytihng in the others threads is entirely relavent to me. I've tried compiling a few bits of advice but I'm worried I'm still missing some info. (In fact it would be really cool if somebody could compile all the links and main points on Erudio) Some basic background on me. I'm currently living and working in France. My first loans was in 1997 (mortgage style loans) I've deferred for at least 7 years (prior to that I made some payments for 2 years) I can legally still defer (I earn a pittance) [*]I have around 5500 GBP to pay back Like everyone else, I recently had the pleasure of being contacted by Erudio, telling me that they had bought my loan and that they would send me a deferral form. I recieved their deferral form and was not a big fan of the changes they've made, particularly that they "require" more information than the old deferral forms. . From reading the other threads what I get is: (but I'd appreciate it if somebody could confirm or deny what I'm saying) They're trying to changes the TC's of the original loan - though they don't have the right (as they're not the original lender), unless maybe I sign the new deferral form and send it back ? I can delay them by askig for a CCA, but not sure how this will really help me in the end? I'm guessing that since I've consistently deferred my loan over the last 7+ years I can't claim statute barred, as effectively I've acknowledged the debt by deferring? I could potentially ignore their requests and hope they don't find me for 6 years, but They would say I defaulted ? (On my CR?) And demand I repay in full? Could they actually enforce this and how ? [*]They could potentially send agents after me to recover the money? Would they actually do this? [*]They could screw with my credit rating and generally make life difficult for me if I return to the UK. What happens if I stay in France? Frankly I'm trying to decide what to do... I could legally just defer.. but I'm annoyed by the changes in the T&C's. And I'm tempted just to tell them where they can stick their forms. I've seen on other threads that people have said I don't have to use their forms or provide all the information they're requesting? So what I'd like to know is, can anyone tell me exactly what information I am legally obliged to give them? Does anyone have a copy of the original mortage style T&C's I could look at ? or a scan of the origial deferral forms? For that matter if anyone could scan a blank copy of the new deferral forms that could be useful, as I started scrawling on mine before I realised what I was doing! What happens when I send back the deferral form/ information that I'm legally required to, and they then refuse my deferal, because I haven't given them all the information they asked for? What can they do and what can I do to stop them ? Any advice would be welcome!

Hello, hoping for a little bit of advice please. In 1991/92 I took out 2 student loans for around £1000 each I think, I cannot remember. Over the years and several addresses I have deferred these loans due to not having a high enough income. I moved to my current house 7 years ago, today I received a phonecall from Erudio, who I had no idea about. I never admitted that I was myself as I said to them I had never had any dealings with them, she told me to google them and call back. I have and now realise it is my old loan from SLC. I have had no contact with SLC for 7 years, so am I right in thinking it is statute barred? If they call back I am going to say if they feel they have any reason to contact the person they are asking for then please do so in writing, that way I can deal with it as I have no intention of admitting or doing anything over the phone to one of their call centre lot. Any advice gratefully received!

Hi there. I am also having major problems with Erudio, and have done since it was passed over from SLC. With SLC it was plain sailing and never had problems with deferment. Erudio is a different story. First of all I received a letter informing the first loan ( taken out in 1996) the last loan taken out in 1999) had been passed over to them in 2014. I intially did not think anything of this as I presumed they would handle the account exactly like SLC. It is only after I realised that they had changed the terms and conditions, and also asked questions on the derferment form that had not been previously asked. The problem really started when they did not send deferment forms as usual time like SLC - that is when the problems started. In between that time of informing that the account has been passed over and sending deferment forms they insisted that I was now in arrears. After sending letters of complaint and not hearing anything from them for nearly two years I have now received a letter saying I am in arrears of over 3k, without having been given any notification of this and despite not earning the threshold in which to start paying back. I am seriously trying to get some advice on how to deal with Erudio. I have called in the past and they are not helpful so I contacted by mail only. I just need advice on how to proceed from here.

I have old style mortgage loans, Recently transferred to Erudio I've always deferred as under the income threshold, But there seems to be some confusion (or other have received different forms/paperwork). All the correspondence I've received from Erudio states that the t&c are the same as they were with SLC, and they can't change them. They can of course choose to enforce them more stringently, play dirty tricks etc, but they aren't allowed to change them. I had a DD setup with SLC right from the start, but no payment has ever been collected, it just sat there idle. When my loan transferred to Erudio the existing DD was amended to be payable to them. IT IS NOT A NEW DD, and the posters saying that Erudio set up a DD without their consent are mistaken. Some people probably didn't have a DD with SLC at the time of transfer (either they'd cancelled them, or changed bank accounts and the old one was lost). I seem to recall (might be wrong, it was 15 years ago!), that one of the t&c of SLC loans were that you were supposed to setup a DD when taking out the loans. This is why Erudio are saying that you have to have a DD setup - it was always a condition from the loans inception. As for the deferment form, my form is 6 pages long, BUT THERE ARE NO NEW T&C mentioned anywhere on it. Do other's have different forms, or are they mistaken about the new t&c? Yes it is bigger, but most of it is reconfirming details that they already have, and came from SLC (name, address, NI number etc). There is a new DD mandate section, but most people should already have a DD setup (as above). It says on the form that you only need to provide DD details if there is no DD already setup. There aren't many new, intrusive questions on my deferment form (beyond the homeowner question, that is a new one), it's all exactly the same stuff that went on the SLC form, but more spread out. They are asking for a copy of your self assessment tax return/SA302, if you do one. SLC were entitled to ask further questions, request this information if required, it's just that most of the time, they accepted your information without the need for extensive evidence. I do think Erudio are playing by the rules with the deferment form so far (it's early days yet...) Having said all that, I am pondering what to do next myself - I've always had a low enough income to defer, currently I'm way below the threshold for repayment, and I don't expect that to change in the next few years. I've always deferred properly with SLC, and everything has run smoothly and is currently up to date (my loan isn't in default or anything). My choices are either: a) continue the same way and reply to Erudio with my deferment application, b) go awol and not even enter into any correspondence with them, and try and string it out to 6 years and get it statute barred. The risk with a) is that Erudio might start being silly (it is their MO as debt collectors after all). E.g. taking DD payments when they shouldn't etc (I'm loathe to cancel the DD at this stage, as they could interpret that as breaking my terms of the agreement and kick up a storm. I'm still 15 years away from 50, when I believe the loans are written off anyway. Chances of deferring for that much longer are pretty much evens in my situation. Now might be a good opportunity to question about it, and go for route b). But it's a gamble as to how vociferously Erudio are going to be in chacing me. They don't have my current address (loan is still registered at my parents home, so I still pick up the post, but I'm not on the electoral roll there). But I don't want my parents to start getting/feeling harassed by Erudio/other collectors. It wouldn't be difficult to track me down id they so desired. I may be in a position to get on the property ladder fairly soon, my credit rating is currently absolutely perfect (never missed a bill/loan payment in my life), and I don't want Erudio to trash it. Just don't know what to do at present? I'm sure that as soon as I get on the radar with them (by returning the deferment form), they'll have me flagged as a live one and are more likely to chace me harder, so it's now or never.

I have about £1400 of student debt from loans I had in 95,96 and 97. I've always been able to defer. Given that Erudio are taking housing benefit, maintenance, etc. into their calculations that takes me over their income threshold. I sent back the old style SLC forms with a letter stating my concerns and requesting clarification over the new form. They ignored the letter and just sent me another copy of their form. My deferrment period is now up and they've since begun to take payments from my account - without any notice of how much and for how long. It appears they've worked out that I need to repay them back over the year and have taken about £110 this month. From what I'd read about repayments I was expecting repayments to be related to a 60 month period. What will happen if I cancel my direct debit? My credit report has only just got out of the red and I don't want them to ruin my credit rating again. Can they really take my housing benefit etc into consideration in their calculation of eligibility for repayments? I'm currently not working so I have no earned income. I always understood that to be eligible for repayments I had to be earning a wage in excess of £20k In the past when I was working part time I never earned enough to have to pay my student loan off. Even so, following a divorce settlement I paid over £3000 of it off when I didn't have to. So I feel really gutted now that I appear to be being forced to repay money to a DCA. I'd like to just cancel my direct debit and just forget about them. Is that possible?

I have not earned enough to pay back my student loan for the last ten years. I now find I am slightly above the threshold, if indeed it is a monthly threshold. Over the course of the last year I have earned less than the yearly threshold. Over the course of the last three months I have earned less than the threshold (divided by 4). However, the fact remains that my monthly salary is currently above the threshold and has been for the last two months. How is the threshold calculated? Is it on the previous years earnings divide by 12? On this months earnings? Thanks

Hi, I'm one of the many that Erudio have tried to [problem]! 1997 Mortgage style loan. Never a problem with SLC. Never earned over the threshold and have deferred every year. As I'm registered disabled and in receipt of DLA (lifetime award) and earn below the repayment threshold (just!) I applied for a 36 month deferral under the T&C. in 2014. This year, after a year or so of belligerence and a FOS complaint Erudio agreed to backdate my deferral and were ordered by the FOS to pay me 100pounds compensation. (Erudio also lie through their teeth & make the 'rules' as they go along. They would surely be laughed out of court) . They even argued that my DLA cert was invalid. However, Erudio fight dirty! Despite this they are now stating I have to apply for deferral again this year (& every year) and they state they never agreed to a 36 month deferral. Furthermore they are now just blanking the FOS and will not respond to them. I have written to them stating in accordance with the T&C I consider the deferment valid for 36 months and will not be paying anything until 2017. To which I get a 'we have closed our complaint' letter, followed by a deferment form & a 'you owe 200pounds' letter. So....this year. I earn below the threshold for 2015-2016 & my DLA award still stands. (Interestingly they have a section for child benefit & child tax credit. I do not receive these- my wife does!) If I apply for a deferral & it is accepted this will take me beyond my 50th birthday & as I have no arrears the loan will be written off....or rather should be. Or I could hold me ground re. the 36 month deferral. This would mean taking out a further deferral until my 5oth birthday in 2018. It strikes me Erudio will try anything to turn down a deferral application however. I simply do not trust them based on my dealings with them previously. Anyone had dealing with Erudio re. disability? Anyone successfully awarded a 36 month deferral? Any thoughts as to which option to go for. i.e. Send off deferral form, wageslips & DLA cert (again)? Or dig in until 2017? I have actually stated that I'm willing to address the matter in court as I believe they have breached original T&Cs.

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 deferment. I contacted them to see if the above benefits were included in what they considered my gross income and I was told that they were. I tried to explain that the above were means tested that were used to help me pay my rent which is £1400 per month (I live in London) and my childcare and that I could not see how these could be used. They said that they had a list of all benefits that could be used in their calculations and that both housing benefit, child tax credits and child benefits could be. Is this right?, I have complained and will escalate to ombudsman if necessary Things are so tight for me at the moment I cant deal with another bill. Please help

Where a loan has been written off by Thesis, is there any evidence that Erudio are trying to revive and collect on them.? Had a letter from SLC saying my loans which were with Thesis, and have been written off six months ago are now with Erudio, Or is it likely as I think SLC have fecked up? Thoughts.

Hello all, First of all, wonderful site and greetings: Over a year ago, I had some letters from a company called Erudio over an alleged student loan, (pre-1997 old style contract) As well over a decade has passed without acknowledging any debt or indeed action, I understand it to be statute barred. I moved well over a year ago and for six months had my mail redirected from my old address to the new. I began receiving demands for monies from Erudio (written to the old address), claiming that I owed them money, I hadn't heard from SLC prior to that; Erudio also claimed that there was an existing CCJ against me on record, having been issued by the SLC. I had been in the same house for 18 years prior, and never had any correspondence or claim at that address. I wrote to Erudio, disputed any alleged debt in full and informed them that any alleged debt was statute barred and in dispute, I also remarked that if there was a CCJ, then it was that CCJ that should be enforcing , not issuing a notice of assignment, as I understand the CCJ to be the 'debt'. (Claiming there to be an existing CCJ appears to be a stock accusation with these people. I received a few letters to my new address, which they obtained from a credit search, so they new I had moved, despite this, I recently found that they had won a judgement by default in April 2015 . I only found out about this judgement when I tried to switch my utility supply. It transpires that despite knowing I lived in a new address and I have documentary evidence to this affect, they have applied to the Court under my old address for a CCJ. While careful with what I said, Erudio claimed to have passed a file to a debt collection agency, if they thought that I was still at the previous address, why wouldn't they enforce the judgement using a Warrant of Execution? It's very clear to me that they knew full well that I wouldn't be at the previous address. I will need to set aside the Order but my questions are as follows: 1) I understand the set aside costs are likely to be £155, which is an extraordinary amount of money . Will I get this back and what's the best way of going about setting aside the judgment? Would I have to make a claim against Erudio? 2) If I manage to set aside, would anybody have any advice for the next steps? Thanks in advance for any replies and/or assistance.

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 any further correspondence to be in writing.. .they sent a second wad of paperwork, the same as the first; this accounts for three trees chopped down thus far for their thud of paper through the letterbox. This also had a cover letter saying I was in arrears for ~£200....huh? Salvo #2 I ignored their paperwork and instead scanned the original SLC document I had, with a signature and no more, I did not divulge any bank info on this form. I then copied my bank statements for the last three months into a PDF (I redacted all personal info from the statements) and along with the SLC doc, sent them via email: Dear Sir/Madam, Please find attached a signed deferment form and three months of bank statements. My customer reference number: xxxx Regards John Doe Salvo #3 They replied two days later via return email: Please be advised that the information that you provided is currently being processed and you will receive a letter in due course. Salvo #4 Almost two weeks later, they sent an email: Please be advised that the bank statements you sent were unreadable , could you please resend them again so that we may continue to process your deferral application. I resent my statements as a PNG picture on the same day as their email. This email from over a month ago, was the last correspondence I have received. Salvo #5 Today I received a letter stating another notice of arrears, this time it's gone up to ~£400. No mention of the deferment nor any other confirmation of the process thus far. It seems they are just sending generic letters with the computer regurgitating random amounts to scare the peeps; their goal is to get payment...any payment so they have your bank details. Salvo #6 Removed. Will update as and when they reply... -------------------------------------- Edit: I'm removed the email I sent in salvo #6 , as I'd prefer to wait for their response before publicly posting info; you never know who's reading these forums. He who is prudent and lies in wait for an enemy who is not, will be victorious. - Sun Tzu, The Art of War Txs dx - I think it was one of your posts buried deep in another thread that inspired my verbiage.

have one loan (1998) that was flogged off last year, the others having been flogged off to Thesis long ago. Didn't have to go through the horror of getting it deferred by Rodeo last year as it had already been deferred by SLC (lucky me from my reading here). Had ths usual barrage of phone calls from them throughout last summer which after answering one (at work, told them to bugger off) I ignored the rest and did some searching which brought me here. As you can imagine I wasn't looking forward to going through the deferrment battle with them this year. I was also starting to get a bit concerned as my repayments would be scheduled to start next month and I had had nothing from them other than a letter telling me I am in breach of my agreement for not having a direct debit in place (like I'd leave an open DD for them to access as and when they please) and deferrment forms would be sent out shortly. Still no deferrment forms but I have had them through from SLC so the plan was to send a copy of these with the 88 loan reference number on and a covering letter. Imaging my surprise then when yesterday I received a letter from SLC giving the reference of my 88 loan and telling me that my Erudio loan is now deferred until April 2016. Looks to me like Rodeo have tranferred the management of deferrment back to SLC, if so this is a tribute to the hard work and fight that many on here have put in, along with hte excellent advice from others (dx especially) that I was "looking forward" to having to follow myself over the coming weeks. So no real question in this thread but I wanted to post it up in case it is of use / interest to anyone else and also as a thankyou from this lurker who has found the info on here very useful and informative over the last few months

Following receipt of my first Erudio DAF I took the view of many on these forums that the form was intrusive, an attempt to gain additional consents and unnecessary to apply for a deferment. In December I therefore sent proof of income and a signed declaration based on the old SLC form. As was expected I received a reply refusing my application as the form "wasn't signed" A complaint was then raised which was rejected and is now escalated to the ombudsman. I have today come home to a letter from Erudio, confirming my loans have been defered. No reference to a signed form, no reference to the FSO. I've not got a DD in force and they are still claiming that "...not having a DD in force...will constitute a breach of your agreement", but obviously not enough of a breach to allow them to refuse a deferment... For those of you who are still debating whether to cave and sign a form, even a heavily redacted version stand firm. Don't give in to their bullying tactics, only give the information they are required to receive by law. These loans are post-98 loans.

Hi, I sent back the deferment form back in April, several weeks in advance of my deferment expiring, however I didn't sign or date it as I was concerned about the legal implications of doing so, I just filled out the bare minimum of information and sent it off along with a Jobcentre letter confirming I was in receipt of JSA and a template letter from a website [removed] explaining why I wasn't signing the form. Not too surprisingly I subsequently received a letter from Erudio rejecting my deferral and resending the form to be signed and dates. At this point, I wrote to them asking them to fully explain what - if any - legal differences there were and any possible implications in terms of signing their deferral form compared to the one used by SLC. I also sent them a postal order for £1 and a request for my original signed credit agreements. I received an acknowledgement letter off them and told that someone would respond in due course. a few weeks later, 6 weeks after my deferral had officially ended I received a leter from Erudio saying they had not yet received my monthly payment of £112.38 and that now 'account is now in arrears'. It went on to say request that I make arrangements to clear the 'total overdue amount of £407.73 ass soon as possible'. Last week finally got round to sending me my original signed credit agreements but they did not include any response to my questions about the issues I raised concerning signing their deferral form. I was considering signing the deferral form today, and called ahead to to query the arrears as I had been told over the phone that my account had been 'frozen' for three months (3 months from the original deferment date ending) and the woman I spoke to said that amount was £300 (she couldn't say why her amount was lower than the one stated in the letter). I explained that I thought that because the account was in dispute they weren't legally allowed to build up arrears and charges, but she wasn't that knowledgeable and said that someone will call me back today before 5:30. Can someone here give me any info on this? It seems pretty unfair that that if you have legitimate questions about the way in which a new company is handling your deferment and they take weeks and weeks to get back to you and endlessly dodge the issues, they can they not only build up arrears on your account, but add charges too.

Mrs L.C.writes: I bought my house in 1999. Previous tenants left owing money to everyone possible. Their children went to university but have not repaid student loans, and every few months I have received demands, which I have returned, saying they are no longer at my address. Erudio Student Loans Limited has now taken over this debt. I told it that the family left over 15 years ago, but Erudio said it would keep sending demands. I protested and was told they would stop, but after two weeks another has arrived. Read more: http://www.thisismoney.co.uk/money/experts/article-2904618/TONY-HETHERINGTON-Student-loan-demands-pile-15-years-tenants-moved-out.html#ixzz3OYUF3D6f

Erudio took over my SLC pre 98 loans last year and despite claiming conditions would not change, they did. I did not complete their form as it requested info they weren't entitled to. I sent a covering letter and proof of income being below the threshold. I heard no news about deferral until a letter arrived to say their form wasn't in line with the consumer credit act, that my account had been frozen, to be rest assured no charges would be accrued, and that they were working to find a solution. 3 months later two letters arrive to say I'm in arrears and requesting a payment of over £1000!!! The whole matter is quite distressing and no matter how hard i try to shrug it off, it's a constant worry. I'm tempted to bury my head in the sand for 5 years in the hope of getting it statute barred. Negotiating with them has thus far only brought me more grief and achieved nothing. Are they likely to take me to court? Legal proceedings in Italy take a minimum of 7 years....