Erudio want full payment

[mulv2222]

Hi.

 

I've attempted to find the answers on here but my head is swimming...

 

I've received notice that i'm in default and erudio want full payment.

I thought i was in deferment although now realised that this had lapsed in September.

 

I haven't received any letters prior to this one.

I've logged into my online account and not sure where to go from here.

I thought id be paying the monthly amount after my deferment lapsed.

This i realise hasn't been taken.

 

My loans are from 1996 and 1999.

I can afford to pay the monthly fee but not the whole amount which is what they now want...

 

What should i do?!

Edited November 24, 2018 by dx100uk
spacing

[dx100uk]

not fall for their rubbish that's the first thing.

 

just wack in the slc deferment form you'll find it in the stickies of this forum where you started your thread.

 

if you are not earning the threshold they cant take payments.

[mulv2222]

Thank you for your reply.

 

I am self employed and earning over the threshold this year - i can afford to make monthly payments but not the full amount. will they accept that now? I'm worried as i can't afford to pay the full amount in one go...

[dx100uk]

they are not bailiffs and have no special legal powers.

 

your tax return for this years has obv not gone in yet.

so don't sweat about it.

[mulv2222]

Ok thanks. I don't want to end up with going to court or a CCJ...

 

Being completely honest i have no idea how it all works.

 

They hadn't contacted me for years - i realise now i shouldn't have responded as it was over the time period to be statute barred (i think that's what it's called?!) Anyhow, i stupidly did reply and deferred it last year...

Edited November 26, 2018 by dx100uk
quote

[dx100uk]

are you indicating that you did not defer for 6yrs

then erudio made contact and you then deferred

 

expand on this information please

tell us the complete history

[mulv2222]

Yes that's correct - i hadn't heard from them since taking out my loans - so since graduating in 2003 i never paid anything, never heard from them at all. Then i was contacted in 2012 it seems (from an email search) then from then on I think i have deferred three times in the time since.

[dx100uk]

urm..then I think i'd be inclined to send them our statute barred letter from debt collection section of our library.

 

add this in.

 

Having sought advice provided by the SLC, no contact has ever been made, neither had I made any deferrals since my graduation date of 2003.

in 2012/3 contact was made by yourselves and one or to subsequent deferrals were made.

 

a period of 6yrs had already elapsed prior to your involvement - the debt is statute barred. a later referral outside of this period cannot overrule the statute bar.

[mulv2222]

Thanks so much for your help. I'll give it a try!

Edited November 26, 2018 by dx100uk
quote

[dx100uk]

no need to use reply with quote just type..

 

note i carefully say 'Having sought advice provided by the SLC'

 

not that you HAVE contacted the slc...