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    • its not showing on credit report. I show what they send me in letter when reject my application.  I copy without my details below    Dear     Assessment of Application for Student Finance Academic Year 2020/21 We have considered your application and based on the information provided, you are not eligible to receive student finance because: • You have arrears on a previous Student Loan. The Regulations which govern how student finance is provided say that we cannot consider any student eligible to receive student finance if he or she is behind with repayments on an existing student loan. If you have a Mortgage Style (MS) loan, please call your debt owner on the telephone number shown on the most recent correspondence that you have received from them. If you don’t know who your debt owner is, please go to www.gov.uk/repaying-your-student-loan for more information. If you have any Income Contingent Repayment (ICR) loans, please call 0300 100 0611 for advice. If you require more information about student finance visit www.gov.uk/studentfinance Yours sincerely Student Finance England   This is what they replied when rejecting my application.  So even though the debt been sold to erudio they will keep rejecting any new application.  I have also Loan with SLC which is completely fine.
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#RBS : Default Advice Please!

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I would be really grateful if someone could advise on an aspect of the process of a bank applying a default to my credit file please.


I was made redundant in March 2009 and did not gain employment again until August 2009. I missed my monthly payments on my unsecured loan between May and August, when I entered into an agreement to repay again (including a little extra to pay off the arrears). I was, however, in constant contact with them throughout the entire time. I had never, in my life, made even a late payment to anyone before this time!


I ran my credit report on 7th December 2009 and the enties showed 5,5,5,5,4,3,2,1,0,0,0,0. I had, at this point, been paying them again since August (4 months payments). The report showed that it had been updated on 22nd November 2009.


However, I ran the report again on 28th December 2009 (which had a report date of 3rd january 2010) and it now listed the entry as an '8' which means that a default had been applied! It said that the default date was 13th November 2009, which was 4 months after I had been making repayments and was listed with a date that was earlier than the report date that I ran on the previous occasion! I have copies of both these reports.


I have never received any notice of a default being applied at any time. I do have 2 Notice of Sums in Arrears dated 16th November 2009 and 12th May 2010. As far as I am aware, these are only issued before a default has been applied. Am I correct in thinking this?


Anyway, sorry about the long post, but does anyone have any advice as to what I should do to tackle them about this, as I do not think the default should have been applied in the first place, please? At this time, I have been maintaining consistent payments again for 19 months, including the extra amounts to pay off the arrears.


Thanks so much in advance of your help.

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