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Credit Solutions/Student Loans company

Had a letter from Credit Solutions this morning saying their client (student loans company) has referred the debt for immediate action and should I fail to pay they will send 'field agents' to call upon me.

I haven't heard from the student loans company for about 5 yrs. My loan was from 97. The letter says the 'arrears' are £2804 and the total balance due is £3775. I'm guesssing the total doesn't include the arrears?? If not, what are the arrears for???

This letter couldn't have come at a worse time as been made redundant.

Would be very grateful if anyone could offer some advice as what I should do?
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