Yes that's exactly what I'm suggesting. If they decided they made a mistake then they can let you know. If they don't think they've made a mistake then they make the payment. If later on they decide they made a mistake then they can approach you. We can then deal with that and maybe you will decide to repay them as a gesture of goodwill.
However, I don't see that you suffer any disadvantage at all by simply replying to the letter and accepting on the terms that they have laid out. They are mature, experienced – and presumably they mean what they say.
They weren't prepared to do you any favours when they tried to shortchange you over a computer which you thought you had bought. I don't understand why there should be any doubt that you should treat them in exactly the same way – unless it makes you feel noble.
They are only confirmation emails to say that I have made a payment. It doesn't have that much info on them. Is it worth calling Capquest?
I also can't seem to find any paperwork from Capquest. I guess it was threatening letter - saying that Erudio have passed on my account.
Who said you have to call anyone
Yes it might upset your defence..however..
So how did they con you into paying when you have never earned over the threshold??
Can we see these emails suitably redacted please
From looking at my emails - they wanted me to set up a plan.. I made three payments of £25 in 2017. Which I forgot about. So is that right that the SB claim is null?
I stopped because I thought I had defered. But then I realised they had taken over the loan from SLC.
I'm not keen to call Drydens - what can I do next?