ERUDIO student loans help

rizla_king

LOL. Incompetent ##@s

erudioed

Student1983 wrote: »

Erudio emailed me a PDF version of their but forgot to add the correct company. Used this one instead !!!

Honours Trustee Limited is registered in England and Wales with company number 3716001 and has its registered office at c/o Wilmington Trust SP Services (London) Limited, Third Floor, 1 King's Arms Yard, London EC2R 7AF.

Honours Trustee Limited is authorised and regulated by the Financial Conduct Authority for accounts formed under the Consumer Credit Act 1974 (as amended). It is registered on the Consumer Credit Register under registration number 46509

I think that was the name The Wilmington Trust used before changing it to Erudio, a very similar name to the one they used when setting up Honours Student Loans, the company that 'acquired' the 2nd bunch of student loans sold by the government.

Student1983

But it seems like it is the same as the info on honours student loans is same



About HSL

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Deferment

Welcome to Honours Student Loans

Honours Student Loans (HSL) manages the administration of Student Loans for all customers of Honours Trustee Limited (HTL).
This Website aims to provide customers with information about the administration of their loans and contact details for Honours Student Loans.

Unless you have been notified that one or more of your student loans have been transferred to HTL, your loans continue to be managed by the Student Loans Company (SLC) and not Honours Student Loans.

Please note that Honours Student Loans is not involved in the granting of student loans in the UK.



Honours Trustee Limited is authorised and regulated by the Financial Conduct Authority for accounts formed under the Consumer Credit Act 1974 (as amended). It is registered on the Consumer Credit Register under the registration number 465092













Registered office: Honours Trustee Limited
c/o Wilmington Trust SP Services (London) Ltd, Third Floor, 1 King's Arm Yard, London, EC2R 7AF
Company Number 3716001

TraceE_2

Hi, I have been reading 1000's of posts on this and getting confused.

I have two weeks till my deferment is up.

What is the latest best way to fill out the form (blank out parts etc)?

I am disabled so should be able to defer no problem ... just scared of signing and changing the original t&c's.

Thanks for your time.

Pluthero

Student1983 wrote: »

Erudio emailed me a PDF version of their but forgot to add the correct company. Used this one instead !!!

Honours Trustee Limited is registered in England and Wales with company number 3716001 and has its registered office at c/o Wilmington Trust SP Services (London) Limited, Third Floor, 1 King's Arms Yard, London EC2R 7AF.

Honours Trustee Limited is authorised and regulated by the Financial Conduct Authority for accounts formed under the Consumer Credit Act 1974 (as amended). It is registered on the Consumer Credit Register under registration number 46509

Jesus wept! Stuff like this and the amount of people posting about LOST paperwork. Makes you wonder how secure OUR sensitive financial data is with these clowns. Anyone near their head office, go see if there is a skip full of paperwork outside?!?! :-)

anna2007

@ Student1983 Erudio changed its name back in November from the not-very-original 'Honours Trustee 2 Ltd'. Wonder why they bothered, it's not like it disguised the connections to the original shell company?

https://www.companiesintheuk.co.uk/Company/AllDocuments/erudio-student-loans

TraceE_2

Woops ........ apologies if I have butted in off topic ... this was the only up to date thread about erudio I could find. If there is a better thread that I've missed please let me know.

Head is spinning after reading about many variations of form filling and writing seperate letters etc. but most are from many months ago.

No idea what would be best for me to do, did anybody successfully defer with a separate letter?

anna2007

Pluthero wrote: »

This is a copy from an earlier post:

[FONT=&quot]Might be an idea to write to Erudio as soon as you can, to tell them you don't accept their final response and you're taking it to the FOS. But also tell them that because the account is still in dispute, they must cease all collection activity immediately - the guidance I read states that they must do this until a dispute is resolved:

Financial Conduct Authority - See 7.5.3 & 7.14.1 here:

fshandbook.info/FS/html/FCA/CONC/7

Credit Services Association - page 11/26

www.csa-uk.com/media/editor/file/Code_of_practice_final%20110414.pdf

You can fit your response around e.g. the FCA rules - "You have not provided clear justification or evidence as to why my claim is not valid" and/or "Despite your final response, I believe that the grounds for my complaint are still valid"

This is the blurb I put in my complaint letter, if it helps:

In accordance with the requirements of the the Financial Conduct Authority and the Credit Services Association, Erudio will cease all collection activity (including, but not limited to, demands for repayment) on the loan accounts whilst Erudio (or the Financial Ombudsman Service if necessary) investigates my complaint"[/FONT]

@ chiefdave It was me who posted this a while back, but wanted to point out that the account's only on hold (or should be, anyway) until Erudio investigate and give a final response. The above reads like it's on hold once it goes to FOS (which was what I initially thought when I read the FCA/CSA guidance), so I don't want to mislead anyone on what happens if the complaint's not upheld by Erudio.

I'm sure Gardenia posted that FOS weren't able to instruct Erudio to cease collection activity once the complaint's with them.

One option to keep collection activity on hold might be to make a fresh complaint to Erudio (would have to be different grounds, but shouldn't be too difficult considering how much they get wrong!), which should stall things for up to another 8 weeks?

anna2007

T

TraceE wrote: »

Woops ........ apologies if I have butted in off topic ... this was the only up to date thread about erudio I could find. If there is a better thread that I've missed please let me know.

Head is spinning after reading about many variations of form filling and writing seperate letters etc. but most are from many months ago.

No idea what would be best for me to do, did anybody successfully defer with a separate letter?

Hi TraceE, No, you're in the right place - welcome to the thread

Have a look at Pluthero's post #2121, page 107, which sums things up well. It's basically a choice between applying by letter, then fighting a long fight (don't know of anyone yet who's been deferred without completing the form), or amending/deleting parts of form (look out for FPN and statement re DD requirement).

When I get a chance later, I'll have a look through earlier posts for anything that might help you out. You could also try using the 'search this thread' button (just under page numbers), to save having to trawl through everything - it's a long, long thread!

Lungboy

Judging by the way they deal with paperwork, I wouldn't be surprised if they simply ignored the fact that people have been blacking out parts of the form.