ERUDIO student loans help

erudioed

@dizzybuff...this may not help BUT this is what they want. They want to put you in a climate where your think your only option is to pay. You have to try and divorce yourself from this emotionally. You must know you are in the right and done nothing wrong! Its my understanding that this is what debt collectors try all the time, to play on our ignorance and the slowness/inefficiency of the complaints system. My suggestion is immediately go to FOS on monday and tell them all about it and that you dont know which way to turn, and that you would like them to contact them for you for an answer. You should also keep the time of your call for something you can refer to that the ombudsman can request from Capita so they can get evidence/proof for an official complaint. You may also be liable for compensation of some nature for the clear stress you are under/time taken etc caused by the lies you have been told. And to get Erudio hit with a fine, the only way they will here us perversely.

dizzybuff

Thanks erudiod I really don't know what way to turn. My kids and me are suffering as paying my payment would mean me cutting down on food again. I'm not doing a statement of earnings the simple fact is I did not ask to be single. I will be going to fos and my MP on this. Certain things should not be taken into.consideration. Things like the childcare element of child tax credits and child maintanance. These are specifically used on my children so I can go to work. I'm so stressed.

JeLaw

Dizzybuff, I haven't really got anything much to add to help you - except to say that I'm sorry you're so stressed by the horror that is Erudio.

I can totally relate to the stress! I'm not in good health and their messing around is the last thing I need. Hopefully you can take strength from the knowledge that you're not alone in facing Erudio - there's a lot of us on here going through it too!

Pluthero

@dizzybuff (I just posted this on another forum just now but it applies to you too. I too am hoping to get a mortgage in the future so I share your fears. I would stop paying Erudio any money as they are simply not entitled to it IF you are earning under the threshold.)

They can't legally put you in arrears, mark your credit file etc without due process. A lot of legal letters they would have to send you: default notices etc, NOSIA (notice of sum in arrears) letters. All of which you will contest by repeating : I am under the threshold, I have provided evidence to you of this. Make sure you have a paper trail of all your actions and their responses, no phone calls unless you are recording them or asking for them to be recorded.

AND.

If they did mark your credit file THEY would would be in deep S**t. AS you are legally entitled to defer IF you are under the threshold. (never mind the whole mis-selling aspect of these Student loans: another can of worms waiting to be opened)

These are not normal loans we are defaulting on due to being unable/unwilling to pay/running away from our responsibilities. We are ONLY LEGALLY bound to repay them if we are over the threshold. Reading some forum posts you would think Erudio really don't have a clue about the distinction but I believe THEY know exactly what they are doing.

Erudio are a DCA. They are treating us like defaulters/ trying to push us in to being defaulters with their DAF BS, claiming to lose paper work, counting CM etc towards threshold etc. They will bully many into paying up when they do not have to. Don't be another victim. Stay strong.

anna2007

@ dizzybuff Your situation if f'n awful, I agree with erudioed, you have to phone FOS straight away, tell them how much stress this is putting you under, how it will affect your food budget, your children. FOS are supposed to be big on fair treatment, they'd surely help out if you explain what's going on? If you've already made your formal complaint to FOS, I wouldn't wait and rely on that, they can take months to decide on cases and they won't know about your change in circumstances.

You could ask FOS if they'd be willing to phone SLC and confirm the situation with your Child Maintenance?

Pluthero's made a good point about the legal process - arrears/default notices, etc - it seems dodgy Erudio's made their demand for payment via their annual statement? And has anyone entitled to defer actually received official arrears/default notices? I can't remember if that's how Erudio's gone about it, or if it's said over the phone.

We should all be getting our annual statements soon, makes me think the next trick will be our statements showing we owe £0.01 on our accounts - wouldn't put anything past this shower of sh!tes.

BaffledByErudio

If these reports of errant 'default/arrears' indications on annual mortgage-style pre-98, successfully deferred (with Erudio 2014) student loans statements ARE correct, then, I suspect we're at the cusp of discovering whether those of us in this boat are sinking fast, with the mainland in the distance, at the mercy of another convenient Capita admin 'mistake', or legally in the best position we've been in so far to swing a leg as far back as we can and kick these jokers in the bo11ocks.
Fact is, if you're already in deferment, especially if Erudio has granted it, Arrow has given you the nod to say 'yep, hands up, you're under the wage threshold, you have no obligation to pay (as much as we're praying you will)'.
In the 17 or so years since I graduated, I have accumulated a very small wallet of paperwork from SLC. I've always kept each year's DAF reply. I believe I briefly paid installments for a few months at one point, but deferred again, when income fell. I never fell into arrears. Never defaulted. Never had any intention to shun any responsibility to repay if I overshot the wage threshold.
Although I was stupidly remiss to lose my original credit agreement (which I'm still chasing Erudio for, despite the fact I paid and asked for it back in April).
Amazingly, since that month, in the embryonic stages of Erudio's deferment apes taking over, I have amassed multiple hours of recorded telephone conversations and a sizable, ream-like chunk of paper correspondence.
Surely, this idiocy alone must be costing Erudio a fortune in postage and admin. All wasted by answering my questions with ambiguous responses, and all while I'm well under the deferment threshold.
Postage and admin which was never actually required if they'd just continued to handle the situation as Student Loans Company did.
Throughout this period, I've spoken to legal professionals, written to MPs, spoken to Citizen's advice etc etc etc.
Now, Erudio managed to wriggle out of the rogue DD withdrawals earlier this year. It was a mistake.
I suspect any other firm and there'd have been a bit of a bo11ocking, but I bet BIS turned a blind eye on this one.
It'd be interesting to find if any borrower who had cash snatched didn't actually notice and never claimed it back. After all, this forum isn't frequented by every single loan holder, so many probably aren't even aware of the situation we're in, blissfully deferring, signing unnecessary details away and having their credit report knackered without even having an iota of knowledge. I'm sure this MUST be the case in many situations.
Now, if deferred loan holders, with no recorded past arrears ARE being notified they have them, it's either another 'admin error', or this is a campaign of regularly trying it on.
It's all smoke and mirrors and nobody can gauge just how many people are affected by alleged mistreatment by Erudio, but while this forum thread exist, I'll continue to detect a whiff of BS and recognise the little I know about debt recovery tactics (which skirt the edge of legality).
And the reason I know so little of them? Like most people in this shameful situation, I'm careful and not in the habit of exploiting and running up debts I can't afford to repay. Unfortunately, however, I once did trust politicians!

dizzybuff

The explanation from them was that my deferment ran out in may. They didn't send the app till June I'm sure. I set a dd up as requested they then cancelled this themselves due to an "administration error" the woman last night said they have put the arrears back on as I have a complaint with the fos and I didn't like their explanation. Which although three pages long was utter shrivel and could have been written by my six year old. I'm deaf and every time I phone I get stressed. I will email fos over the weekend. I have started taking my anti anxiety pills again. My ex has threatened to stop the maintanance as erudio payment is1/3 of the money he gives to the children. Frankly the person I spoke to yesterday couldn't give me an straight answer and kept changing their mind. Asking me to hold the line ( talking to another obviously) as ive worked in a call center. I will be doing a foi with them this weekend to get info off my account. Frankly they have messed with the wrong person. Currently going through a divorce and facilities big. A legal bill as my ex has turned into a male Joan Rivers, I'm not in the best of moods and this is something I don't need along With looking aftet two young children.

gardenia101

Pluthero wrote: »

@dizzybuff (I just posted this on another forum just now but it applies to you too. I too am hoping to get a mortgage in the future so I share your fears. I would stop paying Erudio any money as they are simply not entitled to it IF you are earning under the threshold.)

They can't legally put you in arrears, mark your credit file etc without due process. A lot of legal letters they would have to send you: default notices etc, NOSIA (notice of sum in arrears) letters. All of which you will contest by repeating : I am under the threshold, I have provided evidence to you of this. Make sure you have a paper trail of all your actions and their responses, no phone calls unless you are recording them or asking for them to be recorded.

AND.

If they did mark your credit file THEY would would be in deep S**t. AS you are legally entitled to defer IF you are under the threshold. (never mind the whole mis-selling aspect of these Student loans: another can of worms waiting to be opened)

These are not normal loans we are defaulting on due to being unable/unwilling to pay/running away from our responsibilities. We are ONLY LEGALLY bound to repay them if we are over the threshold. Reading some forum posts you would think Erudio really don't have a clue about the distinction but I believe THEY know exactly what they are doing.

Erudio are a DCA. They are treating us like defaulters/ trying to push us in to being defaulters with their DAF BS, claiming to lose paper work, counting CM/DLA towards threshold etc. They will bully many into paying up when they do not have to. Don't be another victim. Stay strong.

Pluthero - where have you seen info that they are including DLA as income that counts towards the threshold? I really hope that isn't going to have to be my next battle with Erudio.

dizzybuff wrote: »

The explanation from them was that my deferment ran out in may. They didn't send the app till June I'm sure. I set a dd up as requested they then cancelled this themselves due to an "administration error" the woman last night said they have put the arrears back on as I have a complaint with the fos and I didn't like their explanation. Which although three pages long was utter shrivel and could have been written by my six year old. I'm deaf and every time I phone I get stressed. I will email fos over the weekend. I have started taking my anti anxiety pills again. My ex has threatened to stop the maintenance as erudio payment is1/3 of the money he gives to the children. Frankly the person I spoke to yesterday couldn't give me an straight answer and kept changing their mind. Asking me to hold the line ( talking to another obviously) as ive worked in a call center. I will be doing a foi with them this weekend to get info off my account. Frankly they have messed with the wrong person. Currently going through a divorce and facilities big. A legal bill as my ex has turned into a male Joan Rivers, I'm not in the best of moods and this is something I don't need along With looking aftet two young children.

Dizzybuff - there are a lot of FOI's already in, so one of them may answer our questions. Erudio have never sent me any statements/DAF's etc when my last period of deferment ran out & now I only get correspondence in standard print, not large print. Don't know much about disability legislation regarding deafness, but am wondering if them 'phoning you is unfair (not sure of the best wording to use) if it puts you at a disadvantage. If you're not sure it may be worth posting a question on the disability board?

TBH though, most companies etc just don't give a fig about adhering to anything disability related - I've just had my TC award notice for this year & final TC decision for last year delivered today, two separate envelopes, & neither paperwork is in large print :mad: So yet another battle to fight...

Pluthero

@gardenia101

You're right they don't count DLA! well at least they say they don't! Just read their rules. Sorry to panic you.

dizzybuff

My benefits take me to just under the threshold. My maintanance takes me over. They have added my salary sacrifice for child care vouchers instead of subtracting it giving me an extra 3k they said I earn and I didn't. They are incompetent and monies could do better. They decided they were right and they're complex calculation of how they had figured out my income consisted of three numbers added together. Being a single mum has penalised me as I get benefits and childcare allowances so I can work. I work I don't sit on my !!!!. And I am in arrears because of their incompetence.emails to fos, MP and media as they as they are treading a fine line with me. They didn't phone me I phoned them, as they leave you no option as they never answer their emails. They don't do things they said they would like send a lettet saying account is on hold whilst fos deal with my complaint. That's another complaint to put in. I can remember the gentleman going off the phone coming back and saying yes I'll get it sorted. There I am. Thinking no he won't.