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  1. Hello. I had students loans for years 1996 - 1999 with the student loan company [sLC] and was deferring every year after graduation because I was not earning enough. Then Erudio took over the loans in 2014 and although they said that it would be the same as with the SLC they wanted more information from me that I was willing to give. I still completed their deferment forms but they were not accepted due to me not signing the actual form and leaving certain details out. I can't remember what it was I left off the form but I know it was something which was not included on the SLC form. I re-sent the deferment form a number of times and it was always rejected and sent back. Subsequently I found myself in arrears. This went on for over a year until unfortunately I was involved in a car accident and was deemed unfit for work. I wrote to Erudio explained that I was now deemed unfit to work and sent them a copy of my Disability Living Allowance award. I was awarded lower rate for both care and mobility. I heard nothing more from Erudio, the demanding letters stopped so I assumed, that my loans had now been cancelled. Two weeks ago I received a letter from Erudio saying that Drysdensfairfax would now be dealing with my debt and I received a letter from them this week. The letter claims I still owe over £7000 in student loans and that I have 30 days to make an offer of repayment. I have since been re-assessed by the DWP for Personal Independence Payment [PIP] and been awarded the enhanced rate in both care and mobility. Should my loans have been cancelled due to my disability and being unable to work? I refer you to this: • Under The Education (Student Loans) Regulations 1998, lenders will cancel your liability to repay if you: Can show the lender you get a disability-related benefit and because of this disability you're permanently unfit for work. Will this clause be invalid now it has been passed to a solicitor? Do I now send a copy of my PIP award to Drysdensfairfax? Thank you for reading. I appreciate any help. Leigh x
  2. Hi To all . new here and seeking some advice , I have received a claim form and a letter on Friday relating to an old orange mobile debt from 2011 which has been banded about between several debt collectors over time . I am just asking advice and what is the best way to go forward with this. I do not have any old paperwork so I have no records of whether I received default ect . regards
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