ERUDIO student loans help

fermi

Did you make the request by post enclosing the £1 statutory fee?

The form and content of all the SLC agreements are well templated, so not going to be card for them to comply. Eventually, that is. With a reconstituted copy if required.

globetrotter123

I requested via email ... the letter (final response to my official complaint) said that the copies were attached, but they were not...im tempted just to pay of the arrears now (around £600) as im now in deferment again....the arrears are coming off my total anyhow so pay this then keep deferring....stressful!!

fermi

If the arrears are there due to their fault rather than your you might want to complain and take them to the FOS if required to get them removed.

If your fault is some way, and you have no case for removal or backdating, then may be better to get rid if them. While you are in arrears, deferred on the remainder or not, they could technically:

- demand the whole loans back in full, after which you would not longer be able to defer at all.
- refuse the age/time related write off when that comes.

globetrotter123

ok thanks. I failed to submit the DAF form on time as I was overseas and they didn't emai me the forms as requested...

globetrotter123

with regards to the correspondence via email, is there anything in the original terms that state in need a physical address rather than an email for contact and them supplying documents....I travel overseas continually so do not have any fixed address to give them. I havetold SLC and erudio this many times but they seem to only send select things to my email...thanks

fermi

Can't imagine for one second that an email address on it's own would be sufficient.

Especially as many notices under CCA1974 legally must be made in writing. i.e. by physical post.

Pre 1998 agreements

13. Change of Address
If your address changes then within fourteen days of that change you must notify us in
writing giving your new address. If you fail to notify us of any change of address we are
entitled to charge you all costs incurred by us in finding your new address.

4. Notices Etc.
All notices demands and statements given to you in person or sent to or left at your last
known address shall be deemed to have been duly given to you and (subject to any
statutory provision) if sent by prepaid post shall be deemed to have been received by you
48 hours after the time of posting or, if earlier, at the time received by you.

Post 1998 agreements (1998-200x)

10. Notices
10.1 You must tell us immediately if you:
(a) leave your course before completing it; or
(b) complete your course early; or
(c) change your address.
10.2 We will send any notices, demands and statements to you at your last known
address. Anything we send by post will be deemed to have been received by you 48 hours after posting.

globetrotter123

I spend 1-3 months at various place around the world so I don't have an address...my change of address, as I have advised them, is no fixed abode...I have advised them of my change of address and told them I do not have a new address to give them as I don't have one. I have supplied my email address which is a valid way of communicating ... anyhow, will be forwarding on my complaints (not just the address issue) to the FOS anyhow and see what happens.

JeLaw

Lungboy wrote: »

What happens with people like me whose loans straddle 98? My 1st loan was 97 and the rest were 98 onwards, so can Erudio report my 1st loan only, none of them or all of them?

I'm in the same situation.

To an extent I don't really care whether it's all my loans or just one listed falsely as a "payment holiday". Simply the fact that there's any false "payment holiday" noted on my credit file is unacceptable.

Lungboy

At least one person stood up, and it went as far as having a date set for the court case, then Erudio backed down and now all mention of it has been deleted.

BorderReiver14

ESL can go to hell with their new DAF... There is nothing in law, regulations, legislation or indeed the scriptures that say you have to use one to get a deferment. As shown, when challenged with court they back down.
The only outstanding issue is the cra reporting and its this that needs to be legally challenged.