Hello you good people! Please advise, as I've read all the relevant threads but none end with a definitive answer or resolution.   I deferred my Student Loans from 93,93,95 each May until 2013 when due to a move, I forgot. I phoned SLC around late 2014 to be told the loans were now with Erudio and to phone them.   Having read all the hoo-haa surrounding Erudio, I didn't phone. Nothing further happened.   Fast forward to March 2017 and I noticed a hard search on my credit file from Erud