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 deferral form now (minus the info I'm not prepared to provide)? 3) Something else entirely. My main concern for taking option (1): should the CCA requests be successfully answered, am I given suitable extra time to defer (from a legal standpoint, or due to account being in 'dispute') and if so, how long? The concern for option (2): acknowledging the debt (via deferral info) before they've provided proof of its existence via the CCA requests. Any advice much appreciated.

Hi, I've followed the previous threads on erudio from earlier in the year. I received the same letters as many others between July and August, except mine were from shoosmiths solicitors rather than drysdens. After reading the advice on these pages, I decided to ignore the letters, they stopped after three. I have just had sheriff officers at my door serving me with a charge for payment of money within 14 days. My student loans were from 96,97 and 98. All old style loans. I deferred for a couple of years and then moved house and forgot about them. They traced me in 2002 and I was served with a court paper for March 2003. I never turned up for this hearing, although I did fill in the income/expenditure forms. I heard nothing afterwards, no letters, no requests for payment. My credit rating was pretty poor from other debts while at uni, I had a pretty basic bank account for a few years, managed to get a new account and credit cards no problem in 2006 and a mortgage approval in 2008. There's nothing on my credit record and I have an excellent credit score. I just wanted to let people know that, although it may be rare for these firms to enforce a ccj after 11+ years, it looks as though they can. Any advice appreciated, thanks.

Hi all, Amongst my outstanding debts, 'Erudio' Student Loans from 1992-1995 is one of them. I am in the process of clearing up creditors on my DMP with PAYPLAN. Done the CCA's with each. Successful on two counts (had debts cancelled ��) I want to pay off, with a little capital expected in January, and get some Full and Final offers going. On here, I've been advised to check the PPI additions. I've heard just by phoning each creditor this is possible? I defaulted on my PAYPLAN for the last 2 payments. Erudio have sent me a letter stating the balance is £2000+, with arrears of £1930. Not sure if that means I add those to figures together for a final figure or not. Either way, they are now asking me to pay £1930, because I missed the last £55 installment....

I wonder if I could get some advice? Apologies if I am in the wrong place, but just joined so I can try to resolve my problem. This week I received a letter from Drydensfairfax asking for me to complete a expenditure sheet as my student loan has been passed to them. It also says that a CCJ was awarded against me on 11 November 1996 (I had two student loans taken out in 1995 and 1996). I am not aware of the CCJ and would have been when I was living is student accommodation so I assume letters didn't catch up with me. In approximately 2002 SLC tracked me down, probably after I got a mortgage, and I made an agreement with them to pay £10 per month as I was in between work. I have never defaulted on this and the money just goes out direct debit and I every year get a statement. That is the only contact I have from them until March this year when they wrote to inform me my debt had been sold to Erudio. It said nothing was changing so I thought no more about it and the direct debit continued to go out. Then mid october I got a letter from Drydensfairfax saying the loan had been sold to them. I must have been busy when I opened the letter and just skimmed it and took in that nothing had changed. Now the letter today which seems quite threatening. It also says that I can't defer my loan if I wanted to because it is now a CCJ, is that true as I am currently unemployed and if I could defer I would try to? I am want to know what to do next as I am unsure why the threatening letter has come when I am making payments. Could the payments be still going to SLC and not transferring to Drydensfairfax? Do I complete the expenditure and offer to continue to pay £10 (there is a remaining £1375). What can I do about the CCJ (it has never caused a problem when getting mortgages but I will be needing to remortgage soon when my fixed rate expires and don't want it to cause a problem). Sorry for the long post and I hope someone can help me. Thank you

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 letter he can send them to tell them to knock it off? Thanks !

Really worried. I sent back deferral forms months ago and heard nothing back and forgot all about it. Yesterday received a letter to say i was 2 months in arrears and to make payment asap. I phoned and they said they had never received the forms. When i filled out the original forms months ago, i had to phone them to request another form as i messed up the original. They had a record of this request and sending this out to me. This surely at least indicates that i wanted to defer. The girl i spoke to said she would send out another form which would take ten days and i should send it back via email. I will also send it by snail mail. She said they would not be contacting credit reference agencies until i was 3 months in arrears so i have one more month. My fear though is that it will not be processed in time and i will be blacklisted. I have always had an excellent credit rating and i hate the idea of them trashing my credit score. What is the best way to proceed? Do i pay them until i get the loan deferred? All in all they seem to be a truly horrible company. Even their terms and conditions read in a very cocky and aggressive way

So this year has been hell with Erudio. Three loans were sold to then.They accused me of not sending all info, took money from my account, told me I had to pay because I didn't defer on time when they lost some of my info etc. I won every time! They are all now deferred without any arrears. Then over the last two months they sent copies of all of my SL documents, they they credited a few hundred to my account due to legislative mistakes they said they made (I was unaware of these mistakes) then they didn't charge interest due to more supposed legislative issues. Then today out the blue they sent letters to cover all loans stating the accounts are now closed without any balance to pay!!!!!!! Any ideas?

Hi folks, Firstly sorry if this has been covered elsewhere, I've had a read thru the forums but not seen anything + not found any success on google. I'm one of those who got a loan in 1998 and stayed on the old system till 2002 and as such have the recently sold-on mortgage style loans. I received a letter today stating that "...issue with some correspondence sent to you in the past..." "... could be interpreted as not having been fully compliant with the consumer credit act 1974..." "SLC would like to apologise for this, and as a result you will receive an overall loan balance reduction of £1395.80." My question is - if they've not been compliant then can they enforce the remaining debt? I've always been in deferement and I have no idea as to what they might of done... I'm a complete noob when it comes to debt, learned what SB means by reading forum tho! Cheers guys.

I have received a letter from drydens fairfax solicitors threatening bailiffs, putting a charge on my house and attachment to earnings - standard stuff I think from reading other posts on here. My CCJ was received in default judgment in 2005 and since then I have been paying £55 per month. I stopped paying it because I simply could not afford to pay it. I am on disability benefits and my husband is a pensioner. I want to know what is the worst they can do to me. I do not want to complete their income and expenditure form as I know they will expect me to pay £200 per month or something ridiculous. If I let them take me back to court what would happen? I am really aggrieved about this because I have never earnt over the deferment level since I left university but because I did not complete deferment forms they got judgment in default. Am I ever going to be rid off this student loan?! My husband is worried about this and thinking of using his lump sum state pension payment to settle my debt of £4000. I really don't want him to have to do this but do you think drydens would accept a much reduced figure since they have paid peanuts for my debt?

Hi All, I took out three student loads in the early to mid nineties as an undergrad .I deferred repayments as I became a postgrad. As I moved around a lot at Uni I lost touch with the deferment process and The SLC informed me that as I'd not kept up with my deferment notifications then the loans were in default and had to be repaid. I heard nothing else for a while, then DCA letters started to arrive at my Parents (home address). I received demands from a DCA and after they sent me the correct CCA form I made a payment schedule agreement. I made a few nominal payments, yet received a demand from a different DCA. I wrote to both DCAs and asked who they wanted paying as I wasn't paying both and they wrote back saying my account had been referred back to the SLC. Then nothing for years, then started getting a yearly letter from the SLC marked "For information purposes only" with the details of the loans. Today I received the attached letter from Erudio, saying that I had a CCJ (never heard this before) and that their legal team would contact me for repayment. Any advice would be gratefully received!

Hello, new here and hoping i can get some advice from you helpful people as getting through to CAB where i live is like finding a box full of hens teeth I had a Student Loan back in 1992 ( old style) the loan was deffered a few times in the late 90's and then they 'apparently' never received the last defferment in early 2002 and told me to cough up a large percentage of the whole loan in one go, being low waged i could not do this, they would not negotiate and i eventually panicked borrowed a couple of hundred pounds and payed them that and said i would pay no more, and asked for a new defferal - i moved house shortly after and apart from a letter forwarded from my old house from Mackenzie in the March of that year i never heard from them again until the end of 2008, this despite being on the electoral register all this time. I ignored these letters from Meritforce as i was advised by a friend that over 6 years had passed and the loan had been sold on. I confirmed from reading around on CAG that the loan was now time barred and having been made redundant a few months ago decided to go back to college and complete my degree and hopefully retrain - i went to the Open University and was told that i would be eligable for a grant, which is payed out by, guess who - the Student Loans Company. As the old loan ( of which i had paid off almost 60%) was now time barred when i filled out the form i stated that i did not have an outstanding debt with them. I recieved the very small £200 grant last week and thought all was well until today when i received a letter from the Student Loans Company ( not Mackenzie or Meritforce) telling me i am in arrears for my 1992 loan ( which due to extra charges i presume is now actually more than the original loan) and i must pay up, they have also restarted applying interest to the loan applied retrospectivaly from October of last year. Surely this cant be right? I also thought that the loan had been sold to Mackenzie and besides isnt my loan really time barred? Would really appreciate some help, thankyou.

Hello, I need some advice.... Brief back story.... I have old style student loans which have been sold to Erudio. I have always been in deferment as only work part time and am way under the threshold. I received a deferment application as usual from SLC (in february) which I completed as I always do - I had no idea at this point about Erudio buying my loans. I then received a letter dated 11th March from SLC which clearly says my deferment has been accepted and then lists the loans which are "Erudio Student Loan administered" - the letter clearly states this then says I have deferment from 25th April 2014 to 24th April 2015. Following that I received a letter from Erudio explaining that they had the loans. I thought nothing more about it - I had a letter which clearly says I am in deferment. However, I have been offered a place to study a PGCE in September and recently applied for Student Finance. I spoke to them last week and was told I was not eligible for student finance as I am in arrears with Erudio. Needless to say I have spent a week on the telephone and emailing to try to get this resolved. No one seems to want to help me in any way and I am now facing the prospect of not being able to accept the teacher training offer as I cannot afford £9k fees if I can't get the student loan. Erudio are a nightmare to speak to and no one actually rings or replies like they say they will do. I have sent them a copy of the letter I have from the SLC saying quite clearly I have deferment until next April but have not received confirmation that they will accept this or back date the info so I am no longer in arrears. I have also just read that this may now be on my credit file - which I daren't even look at as it will just stress me out too much (my credit score and rating etc is absolutetly un-blemished and I have never ever been refused credit, never been in arrears for anything etc) So what can I do??? SLC do the whole "we can't help, the computer says no" type of thing even though they can see the letter they sent to me in March. Sounds incredibly melodramatic but see my future career plans crumbling around me and can't do anything to put it right Thanks in advance for any help and advice

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't I still had to start paying it back. I was scared I didn't know what to do, so I left it. Consequently, cos I didn't defer, Got harrassed for a few years by debt companies for arrears that had built up cos I hadn't deferred. I would say that refusing my legal rights to deferment is motion enough for statute barred. Has anyone else had this particular problem of the SLC lying to them by refusing to send out a deferment form?

Hello I've had a very worrying conversation with Erudio and now am very afraid of what lies ahead. My have an old Motrage Style loan. To give you some background, due to some tragic circumstances, I have been a single parent since my little one was born and work 4 days per week. Due to my salary I have Working Tax credits to enable me to pay nursery fees. Due to the top up I recieve from Tax Credits (for childcare) I have been approx 106 per month over the threshold for deferment. This has been the case for approx 18 months. SLC have been very understanding of my situation and agreed to a private agreement of me paying 50 per month. Anyway...today I called to make my monthly installments and have been advised that the debt was sold to Erudio so I would need to call them and make payment. I then called this company for them to scare me sh1tless....I explained my payment plan (which they accepted) but have advsed me that that if I do not pay the arrears on my account (which is just over £2000) then I will lose my right to defer ever again, and will also not be entitled to have the loan cancelled when I reach 50. My long term plan was to defer when my daughter goes to school in September (as i will not receive CTC so will be under the threshold) then pay the arrears each month after that) I cant believe this company has been able to buy the loans, and thus treat people like this. My work are offering Voluntary Redundancy and I am now considering taking this so that I can pay my Student Loan and not get my credit rating trashed. Is anyone else in a similar position, or even know if Eurodia are correct. Thanks In Advance

Hi all, I have been in Canada for 8 years now and have no contected the slc for six years but to day i had a letter from my old address saying that they sold the loan to erudio can they come after me in Canada or send a bailiffs to my house. firefox

This is a general shout out for those that have been contacted by Erudio. Have any of you been sent new terms and conditions which they require you to sign and send back? If so, can you let me (or any of the site team) know. I would love to see a new contract and see whether the terms have changed.

Hi All, Firstly I have been through so many threads and my head is blowing up. This is my first thread and wanted to say the great work from DX100uk and WarrenBuffet is great! Anyway to my thread now, I've received a statement from Erudio saying that the student loans have been transferred to them, also that I have a CCJ on my account which will be passed on to their legal team and that they will contact me in a few months and some 10 pages of waffle included about the terms. Ok from my point I had the old style loans from 96 to 00. I then went on to study further onto a masters, at which point slc went on to ccj me. Ruined my credit for 6 yrs. I did not have any contact with them or even acknowledgement of a ccj...kept quiet... Nothing was enforced, don't even rememeber link or any of the others... As far as I am concerned the ccj dropped off in 2009, then a few letters that job had the debt and then a yr ago a letter from jjb saying they are selling it back to slc, followed by a statement from slc giving a breakdown of my loans rtc and that it's just a statement. Then now this Erudio sale/statement.... Not sure what to do, do I stay quiet again? Please advise

Erudio is out of order First of all, just to let you know, your loan is just one of two hundred and fifty thoussand sold to Erudio, indeed every student loan taken between 1990 and 1998 was sold to Erudio. This total debt was £890 million pounds worth, but was sold to Erudio for £160 million. Now £890 million pounds worth was from over 250, 000 loans, so be assured, this letter was sent to over one hundred thousand people at least. I assume the number could be higher than this, as this number works out at an average of 2.5 loans per person. Just google 'Student loans sold to Erudio' or any similar words for more info on this. I just got my student loan deferment pack throught the post and am outraged at what is going on by Erudio. The wording they are using on the form is deliberately meant to frighten the most vulnerable people who are not in a very good financial position. Because Erudio know the terms of the student loan are as they same as they were before, they intimidate because there is nothing else they can do if you are entitled to deferment... It's easy to get caught up in Erudio's intimidating, shameful tactics. The worst people always target you when you are at your weakest. This is Erudio.... First things first, do not sign the form and send back before consulting others and doing mroe research online and getting some free legal advice online, which is what i'm going to do... The information on what Erudio is asking for on the deferment form is, from what i have read on other sites, totally out of order and may not be permissible (which is what I have read so far on internet sites). In addition, I'm most likely going to submit a letter like the one found online rather than fill out the form. In addition to the letter i will provide proof my income (0) is below the level required to pay. Apparently, from what i have read, by signing the form, the signer/student is saying that they agree to the new rules of your information being passed on to credit reference agencies and debt collectors, which is deliberately meant to intimidate. These Erudio people give the impression they are loan sharks from their wording, when they have no power to make you pay if you are entitled to deferment! I'm doing more research online and see if i can get some free legal advice on this ridiculous deferment form!. [removed]

Hi, My husband has a query and would be very grateful if anyone could offer any input: I took out a couple of student loans back in 1995-96. Up until now I have always deferred repayment due to earning below the national average but have always replied to the repayment requests promptly and fully. I was informed towards the end of last year that my loans had been sold off to a company called Erudio Student Loans. A few days ago I received a repayment request from them with requests for bank details etc. This time I will be unable to defer as I am now earning above the threshold but I am concerned about the legitimacy of this request. I didn't take out my loans with people and am not sure I should be giving them any money. I have been reading through threads on this forum and am interested to know whether it would be worth attempting to pursue it as if it was any other type of sold-off loan ie check my CRA and then write to Erudio to see if the have a true copy of the cRedit Agreement? If so, does anyone have and thoughts or advice on how to proceed? Many Thanks