Old Student Loan Urgent Advise Please

Bellaboo123

I’m super worried after years of complaints since Erudio took over my student loan. I’m a single working mummy and they don’t care about any outgoings, I have to provide proof of my maintenance for my child, but they never ask me how many children this is to support, what their costs are etc. At no point on this court paperwork does it say extra maintenance was requested off her father to pay my student loan. But more seriously now they are after the only money to my name. I had to sell my home when my ex quit his 25 year job as he didn’t want to support his daughter. It isn’t enough for even a 2 bed flat, but I am doing all I can to qualify for the next shared ownership within the school area, up to 9 months I’m told, and in the meantime I will not let the student loans company say this should be there’s. As it is it will be borderline whether it will get me a home as I’m self employed so they won’t give me even a 20K mortgage. And I only have 2 more years until this £1500 is written off.

I am on about 4K a year!! Nowhere near the threshold, but they treat me like a criminal every year when I try and defer.

I also have huge data protection issues, as none of this evidence has changed since last year, yet they want all my confidential info again (and just by email-no secure exchange). When I ask if they have lost this info, they talk around the question. E.g. I have been getting child benefit for 9 years, this never changes, how would I have got a deferment in the first place without this evidence, so why do they need it every year, how are they keeping this amount of records?

They are charging me currently every month I delay (even though its their complaints process that has kept me waiting for 1.5 months already! – exactly the same as last year. Last year I threatened them with the police for harassment)

They threaten that it will negatively effect my credit rating. They are bullies. They even called the day before xmas last year to bully me. I ended up in tears.

Can you please help?

agrinnall

Make an appointment to see your MP at their nearest (or next) surgery.

Bellaboo123

Does anyone know, are they entitled to take the money from the sale of my home?

BorisThomson

Repost on this thread:

https://forums.moneysavingexpert.com/discussion/4923210

If you don't get a reply send a PM to one of the regulars on there, they have lots of experience with erudio and their games.

Bellaboo123

Thank you so much. Didn't think after 2 degrees I would ever be offered so little just because I want to be part-time work, but hey that's life! They treat me as though I am a criminal. People should know how awful this company are before taking on loans.

Starrystarrynight1

You'll have to prove payments for every year. They can't assume it will all stay the same. They do seem harsh but can you imagine the people trying to give them the run around, trying to avoid paying back their student loans. If they didn't require documentation to prove how everyone who says they aren't earning enough is supporting themselves, everyone would say it to get out of this particular obligation.