Erudio chasing "matured" SL.

[Vampyra]

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.

[fkofilee]

Welcome back to CAG

 

The guys will be along shortly... Honestly... Tell him not to worry...

No bailiffs will come at this point. It's all good.

[Vampyra]

Thank you for the welcome and quick reply. ☺

[WarrenBuffet]

Vampyra, hi

 

1st Eurido are just a DCA and they are talking rubbish.

 

2nd. The Loan matured nonsense seems to be their latest deception tactic.

IT'S BULLS#IT.

 

3rd. I reckon first thing to do is ignore Eurido and SAR SLC to see what the state of play is?

[Vampyra]

Ok. I will do that. I think I have an old SAR template somewhere. Does anyone have SLC address please?

Thank you for your reply.

[WarrenBuffet]

4.) The SLC trick of not receiving deferrals is an old and common trick and used as a trick to sell your debt onto DCA.

 

5.) I don't believe your loans will be Statute barred as its six years without acknowledgment or payment and by my calcs its only 4 years.

 

6.) If you are not working then you still are legally entitled to defer, I understand that its recommended you use the old slc form and not the DCA form as they have a habit of moving goal posts.

 

7.) Others will be along shortly with pointers to follow.

[WarrenBuffet]

SLC Form is I believe available for download here.

Their address is easily googled

[dx100uk]

blimey now theres a name from the past

bring back the spreadsheets

still click on those sometimes by mistake...

 

sar

 

dx

[Vampyra]

Hiya DX. Good to see you. Long time.....

 

Re Erudio. No acknowledgement since about 2004 or 5 when mum had a larger stroke and to be fair I gave up sending stuff to be told it hadn't arrived. So it may be statute barred.

 

Will SAR and see what occurs. Thank you for your help.

 

Are they at this with everyone?

[WarrenBuffet]

Yeah they are a DCA afterall, they are bigger liars than a politician.

Hope you are S.B. then you can tell them to Jog On.

[Vampyra]

Yes that would be good especially as I have never been in a position to meet the financial income limit to repay the loan.

[Vampyra]

blimey now theres a name from the past

bring back the spreadsheets

still click on those sometimes by mistake...

 

sar

 

dx

 

Oh yes the spreadsheets lol

[Vampyra]

I just found this in my old signature:

 

"Student Loans Company/CapQuest 3 - CCA sent 11/06/08 - No Reply."

[dx100uk]

govt sold all the old mortgage style loans to erudio

[Arrow Global DCA to you and me in sheeps clothing]

 

 

pers i'd not bother sending anyone anything.

 

 

all and bugger they can do to you.

[Vampyra]

After OH's panic he calmed down and said the same. If they try to pull a CCJ I will have it covered.

[brassnecked]

Just a note of caution, are ANY of these loans post 1997?

[Vampyra]

The initial loan was 1996 and the rest were continuation loans and are all the old style loans.

[brassnecked]

The initial loan was 1996 and the rest were continuation loans and are all the old style loans.

Phew great DX is spot on.

[dx100uk]

if your 1st loan was within the mortgage style period

then they are all taken under the earlier scheme if they are for the same qualification- so to speak

as long as you don't break the yearly chain.

[dx100uk]

hows this going

there are nasty developments today

see the threads