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  1. Hi, I am new to the forum. Thanks in advance for any advice given. Student Loan Has Matured/ Full Payment Due within 14 days letter received from Erudio I am 45 years old and had taken out two student loans(95,96) and one (98) so under the old and new style loans. About 10 years ago I had arranged a payment plan (spread across all 3 loans) with student loan company (I think I was over the threshold to defer but was experiencing hardship). I had set up a standing order which remains in place to this day. When Erudio took over I received letter, calls , statements etc from them but have never contacted or corresponded with them in any way (just figured I am paying something towards the loan and was worried that if interacted with them in any way it would somehow trigger a new agreement or obligation, so just left it at that). I have recently received 3 letters within the last two weeks from them stating that my loan has now matured and full payment is due (aprrox £3600). Only after looking around on forums have I become aware of statute of limitations, but am I correct in thinking that my payment plan still running to student loans company constitutes acknowledgment of the loan? I believe that these payments continue to just beforwarded to Erudio (as I never signed or arranged for the payment to go directly to Erudio, only to the Student Loans Company details I had at the time). I’m wondering why there sending me letter so closely spaced, are they trying scare tactics to get me to contact them? I have other priority debts so do not want to pay this off if there’s a chance I could continue to do it over a longer period. Does it make any difference that I have not acknowledged anything to do with Erudio, accepted calls, responded to letters etc. Any advice is most appreciated. Thanks
  2. Not been here for a long time but still recognise some names. When I was last here sorting my things out, I still lived at home and was a full time carer for my mother. I graduated in 2001 and didn't find work til May 2002. I worked til October 2002 when my mother had a stroke and I became her full time carer on Income Support and Carers Allowance. I, unfortunately, had to stop caring in July 2012 because I was extremely ill with untreated thyroid and autoimmune diseases. I moved in with my OH. Because I was a carer I was able to claim ESA Support Group from July 2012 til present. I let Student Loans know I had become a carer and sent a deferment at that time. Subsequent deferments 'allegedly' never arrived with them - 6 in one year - and to be fair I had more to worry about than keep going on like that. I believe this was a trick of SLC. I have had no paperwork since. Then earlier this year I had a letter from Erudio saying "Thank you for confirming your new address", which I hadn't, "You need do nothing now". So I didn't. I had no idea who they were and took to searching online. Today I get a letter saying my student loan has matured and I owe £17641.12 I have never worked since graduating, bar a few months before mum got ill. My student loan was the old style loan and I believe I had to earn over £17,000 per year before I had to start paying it off. Even my job didn't pay that amount. OH going doolally that we will end up with bailiffs coming to repossess all our stuff. I am pretty scared. I never gave them this address because I had never heard of them before. I need advice as to where I go from here. I genuinely, legally, shouldn't be required to pay a penny - that was the term of the loan. I also had DLA for life still going at this point and SLC had copies of this. I am 46 now. Mum passed away this January, so I really could do without the jokers at Arrow doing this. Thanking you in advance.
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