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ERUDIO student loans help

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  • Brooker_Dave
    Brooker_Dave Posts: 5,196 Forumite
    Did she ever try to defer?
    "Love you Dave Brooker! x"

    "i sent a letter headded sales of god act 1979"
  • leigash
    leigash Posts: 17 Forumite
    Did she ever try to defer?

    Yes, she's tried for the last two years, this being the third one
  • Brooker_Dave
    Brooker_Dave Posts: 5,196 Forumite
    leigash wrote: »
    Yes, she's tried for the last two years, this being the third one

    So long as she's sent something, and has proof, then she'd be ok if it went to court.

    It's the people who have just ignored it who are in trouble.
    "Love you Dave Brooker! x"

    "i sent a letter headded sales of god act 1979"
  • Brooker_Dave
    Brooker_Dave Posts: 5,196 Forumite
    "Love you Dave Brooker! x"

    "i sent a letter headded sales of god act 1979"
  • BorderReiver14
    BorderReiver14 Posts: 180 Forumite
    edited 27 May 2016 at 1:00PM
    leigash wrote: »
    Yes, she's tried for the last two years, this being the third one



    Hi, I agree with Brooker Dave here. Only folk that have not kept up their side of the bargain need worry.
    There are nothing in the terms or regulations that say a standard form must be used to authorise a deferment. If your wife has written bespoke letters and supplied evidence (wage slips, tax returns, bank statements etc) then just because Erudio have refused deferment and 12 months have rolled on by, you should still apply for deferment again. If you are entitled to defer and you 'show' your income is under the threshold, then you have met your obligations and Erudio are in breach of contract by not authorising the deferment.

    As loathed as anyone, to give Erudio any extra permissions or consent as necessary, the missing wage slips could have easily been resolved by asking for a letter from employer, providing redacted bank statements or if absolutely as a last resort, one off permission to contact employer to confirm income - that year only.

    Also go through all your wife's annual statements. Do the figures add up and has the correct interest been applied? Are the statutory notices correct on the back?
    Paying for uni to get a job... just to get a job to pay for uni
  • Tommygunn
    Tommygunn Posts: 90 Forumite
    Part of the Furniture 10 Posts Combo Breaker
    I've just received an envelope with 17 sheets of A4 and it contains a mixture of 'Remedy of Account', 'Notice of Sums in Arrears' and a bunch of annual statements.

    I am currently in deferement with my due date coming up on the 14th August, 2016 the original date being the 14th July. Anyway, in the post today I have received the following:-
    1x Remedy of Account: A load of gumpf about the CCA 1974, sale of account blah blah, but then it says at the bottom that my account currently has arrears of £82.92p.

    6x Notice of Sums in Arrears: There are two of these for each of my three accounts with Erudio, dated 15th Aug, 2015 and 15th Feb, 2016. The following date of each set containing increasing amounts of arrears.

    I checked the sum of £82.92 to see if I could find it in previous letters and I did find it on my deferement letter dated the 22nd October, 2015. The letter which confirms my deferement for all three accounts and which gives the balance and also an arrears amount of the above sum.

    Could someone tell me what the hell is going on here? I figured that everything was squared away once I got the deferment letter last October. Why has this suddenly landed at once with not an ounce of communication from Erudio since October?

    Your help is greatly appreciated.
    Tom
  • Sorry Tommy, can you just remind us again how you eventually had deferment authorised? Without more detail and I may be barking up the wrong tree here but, when they eventually authorised deferment did they wipe all arrears including any interest they may have added to said arrears?
    Also do you have all of your annual statements including those from SLC and have you investigated a) the figures and interest are correct and b) all the statutory notices are included?
    Paying for uni to get a job... just to get a job to pay for uni
  • Tommygunn
    Tommygunn Posts: 90 Forumite
    Part of the Furniture 10 Posts Combo Breaker
    edited 27 May 2016 at 10:01PM
    Sure, no problem. I'll try and concisely do a step by step of what happened.

    1. I received my deferment pack sometime after the 19th May, 2015 (date on covering letter, see below) stating that my end period was due on the 14th July, 2015.
    Like pretty much everyone on here I did not want to sign their forms and knowing I had a three month grace period, so to speak (ending the 14th October, 2015), I knew I had a bit of time to try and get my way.

    Deferment%20Application%2050%20cut%20jpeg.jpg


    2) Anyway, Erudio(and the FOS) weren't having it and because time was getting short, I'm not in the UK, didn't need any added complications etc, I folded and signed their damn documents.

    3) These finalised documents (to their liking) were sent twice just to cover my backside with one set being sent on the 1st October, 2015 and another copy being sent on the 14th October, 2015. Between both dates I sent several emails asking for confirmation of receipt, no reply as you might expect.

    4) I then received a letter, dated the 22nd October, 2015, saying that my deferment had been granted.

    Deferment%20Letter%2050%20cut%20jpeg%20A.jpg


    5) I don't hear anything from Erudio until today when I receive all this nonsence in the post:

    One of these:
    Remedy%20of%20Account%2050%20cut%20jpeg.jpg


    ...and one set of these for each of my three accounts:
    Notice%20of%20Sums%20in%20Arrears%2015th%20Feb%202016%2050%20cut%20jpeg.jpg
    Notice%20of%20Sums%20in%20Arrears%2015th%20Aug%202016%2050%20cut%20jpeg.jpg

    when they eventually authorised deferment did they wipe all arrears including any interest they may have added to said arrears?
    The only communication I've had with Erudio was the deferment letter back in October and the post today. I figured that everything was ok and I didn't owe anything and was back to square one.

    Also do you have all of your annual statements including those from SLC and have you investigated a) the figures and interest are correct and b) all the statutory notices are included?
    I'll have to get back to you on that. I've certainly never thrown anything away so I must certainly have everything from SLC. Erudio is another matter because if I havn't got something it is because they didn't send it to me.


    A question, why has my deferment date/period jumped forward a month, I'm refering to my first two attached documents?

    Tom.
  • Pluthero
    Pluthero Posts: 222 Forumite
    100 Posts
    @tommygunn

    If you have sent the required deferment evidence for this year do not panic.

    These letters are most likely computer generated.

    Ask Erudio to explain the 82 quid. They may even respond and fix it, they may not.

    Whether they do or not complain to the FOS about the STRESS this is causing you.

    Then relax.

    They will not bring anyone who has supplied deferment evidence in front of a judge.

    Any further threatening letters file away for further FOS complaints. Print a template response for Erudio saying you deny any arrears and keep sending it via email. Then forget about these chancers until next years defement.

    HTH
  • ElwoodBlues
    ElwoodBlues Posts: 386 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    I have old style student loans from the late 90's. I've always been under the income threshold and deferred every year without issue. Then Erudio came along. At first (about two years ago) they kept sending me their deferment forms, and I kept writing back refusing to complete and sign their form, but provided all the information they should have needed (payslips, P60, tax credits notifications, even part of my tax return).

    I got the occasional stroppy letter from them, but as far as I was concerned, I had deferred. I don't think I've been sent any further requests to defer, and I've ignored all their correspondence since (probably a mistake). I've always asked them to keep everything in writing and not to call, but they keep phoning my parent's landline (the only phone number they have on record for me) and hassling them.

    Now I've been sent a Notice of Default, and they are asking me to pay £4000 immediately. I've not kept myself up to date with what's been going on with Erudio for some time, so I don't know what the current state of play is?

    I'm perfectly entitled to defer, my income is nowhere close to the threshold, so it should be a clear cut case to defer. What should I do now? It's obviously years away from becoming statue barred, so continuing to ignore is not an option. I have a perfectly clean credit file, and I'm about to apply for a mortgagelink3.gif, so I really need to keep it that way.

    I notice they have an online deferment application system now, should I sign up and go through that? Or should I write another letter? Contest their Notice of Default? Request to defer again? Dare I speak to them on the phone, or is that a waste of time?
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