ERUDIO student loans help

zombi

zombi wrote: »

I feel sick. I have one loan from '97 and one each from 98/99. Looks like this is going to affect my application for my first mortgage.

...and as I am currently 'in arrears' with Erudio (even though I am in deferment and have been since I took the loans out - part of my FOS complaint), it looks like they'll be reporting the other two loans every month as well.


I'm f***ked.

rizla_king

Its all just a continuation of the rotten tactics they hope will stop people deferring when they are entitled to it and to stump up arrears even when they are not your fault.

Never forget these scumbags are debt collectors who have not one iota of your interests at heart.

Everything they do is self serving to maximise their returns.

dizzybuff

I'm definatly !!!!ed.

dizzybuff

Although o have the money for my arrears put aside. Sod this I'll accept the decision but complain they wouldnt calculate the pay.

zombi

I really don't know what to do now. Looks I'll be living in a sh*tty bedsit 'til I retire. This will affect my boyfriend now too as we were going to apply for a joint mortgage - his credit is good but neither of us earn enough to be able to sustain one on our own salary.

rizla_king

Perhaps if you on any mortgage app supply a copy of your file showing this is a student loan under legitimate deferment and so not one you had put on a holiday because you were struggling? Any reasonable lender should take that into account I would hope.

zombi

Thanks Rizla, I'll give that a try when the time comes. Just more stress to add to the pile...

erudioed

I note in the new DAF guide, the Cetificate and Warranty (or in simple terms the declaration for our signatures on the DAF) is not included. Unless we know what that is, it is a little like the elephant in the room, as that is where most of the insinuations and threats were hidden in the last form.

fermi

I wonder if Erudio are lumped in with Arrow Global here?

http://www.ombudsman-complaints-data.org.uk/

anna2007

fermi wrote: »

I wonder if Erudio are lumped in with Arrow Global here?

http://www.ombudsman-complaints-data.org.uk/

Looking at the complaints data for the 2 previous 6-month periods, Arrow Global don't feature in the tables at all, so looks likely that the latest data includes Erudio complaints?

I guess that scuppers Arrow Global's impeccably low complaints record that they boasted about in their annual accounts!