ERUDIO student loans help

Amanda4242 · 4 February 2015 at 11:09AM

Pluthero wrote: »

As the Govt claimed about the sell off the loan terms have not changed!

So send exactly the info you have the SLC in the past! You are under no legal obligation to use erudios DAF! However you will have to fight theM for a long time if you use your own form! They are going to court shortly over it so things may change!

No need to fill in the DD if you are not going to repay!
Good luck!

Thanks for the info I will do as you suggest! Any idea when the court date will be?

Also am I right in thinking that I should not provide other details of any benefits like child benefits, child tax?

Amanda4242 · 4 February 2015 at 11:24AM

anna2007 wrote: »

There was always space on SLC's DAF for those types of benefits to be declared. There's a copy of SLC's deferment processing manual here, which has details of all types of income that counted when assessing the deferment application:

https://www.whatdotheyknow.com/request/assessment_of_deferment_applicat#incoming-562041

If your benefits take you over the threshold, would it be possible to have e.g. the Child Benefit paid to your partner instead?

Sorry more questions!!!! Thanks for the info

I know I used to provide details of Child Tax Credit and that never sent me over the threshold. However did it not used to be £29,000 but in my Erudio DFA letter it states the threshold is now £22,000 which WOULD put me over the threshold with my tax credits. Any advice much appreciated as to what the threshold is.

Am I right in thinking child benefit is not to be included?

anna2007 · 4 February 2015 at 11:41AM

Amanda4242 wrote: »

Sorry more questions!!!! Thanks for the info I know I used to provide details of Child Tax Credit and that never sent me over the threshold. However did it not used to be £29,000 but in my Erudio DFA letter it states the threshold is now £22,000 which WOULD put me over the threshold with my tax credits. Any advice much appreciated as to what the threshold is.

Am I right in thinking child benefit is not to be included?

£22,000?! :eek: The threshold's £26,727 for this year, that's confirmed on Erudio's website, see the FAQ's, 'Am I eligible for deferment?':

http://www.erudiostudentloans.co.uk/faqs/default.htm

It's the parent who's the main carer who usually receives the Child Benefit payments - if that's you, then yes it should be declared. If you're jointly responsible, both working, there's no reason the CB can't be paid to your OH, then it can't be classed as your income

Another thought on the other benefits - if, like CTC, it's meant for both of you, then only half of the income from that benefit is yours. I included all of the CTC as my income last year, but will only declare half this year, as it clearly states both of our names at the top of the award letter.

Good luck!

Amanda4242 · 4 February 2015 at 11:59AM

anna2007 wrote: »

£22,000?! :eek: The threshold's £26,727 for this year, that's confirmed on Erudio's website, see the FAQ's, 'Am I eligible for deferment?':

http://www.erudiostudentloans.co.uk/faqs/default.htm

It's the parent who's the main carer who usually receives the Child Benefit payments - if that's you, then yes it should be declared. If you're jointly responsible, both working, there's no reason the CB can't be paid to your OH, then it can't be classed as your income

Another thought on the other benefits - if, like CTC, it's meant for both of you, then only half of the income from that benefit is yours. I included all of the CTC as my income last year, but will only declare half this year, as it clearly states both of our names at the top of the award letter.

Good luck!

Thanks very much

No I'm single and can't 'transfer' my CTC payments to anyone else

Are Erudio legally allowed to decrease the threshold?

Pluthero · 4 February 2015 at 12:04PM

Amanda4242 wrote: »

Thanks very much
No I'm single and can't 'transfer' my CTC payments to anyone else

Are Erudio legally allowed to decrease the threshold?

No the bloody well are not! It's set independently!

I don't suppose they put that threshold in writing to you?

anna2007 · 4 February 2015 at 12:06PM

Amanda4242 wrote: »

Thanks very much
No I'm single and can't 'transfer' my CTC payments to anyone else

Are Erudio legally allowed to decrease the threshold?

The threshold's set by Government each year and can't be changed by Erudio.

So Erudio have stated in writing it's £22,000? Is there any chance you can post up a copy on the forum Amanda4242? If Erudio are messing with the threshold, we need to let everyone know about it!!

Amanda4242 · 4 February 2015 at 12:07PM

Sorry one more question!!! I promise!!! Part of my CTC goes towards Child Care - is this included? Should I write something about this when I respond to their deferment letter?

Amanda4242 · 4 February 2015 at 12:09PM

Pluthero wrote: »

No the bloody well are not! It's set independently!

I don't suppose they put that threshold in writing to you?

Yes they put it in writing on their cover letter. I have it at home so won't beable to post it until tomorrow as I don't have a scanner at home. It is 3/4's of way down page and is in bold writing. Scared me to death when I saw that.

BorderReiver14 · 4 February 2015 at 12:27PM

Amanda4242 wrote: »

Yes they put it in writing on their cover letter. I have it at home so won't beable to post it until tomorrow as I don't have a scanner at home. It is 3/4's of way down page and is in bold writing. Scared me to death when I saw that.

They are bang out of order but may have shot themselves in the foot if you have that in writing. If the penny has not already dropped Amanda, I would question everything they say and fight them tooth and nail when they mess you about!
Please also make careful note that if you use their DAF you need only provide them with 10% of the information they are asking for. No need to tell them if you rent or homeowner, your NI no etc. There is a list on the thread way back. Also don't agree to any changes in Terms and Conditions.
Court action to take place on 6th March

BorderReiver14 · 4 February 2015 at 12:30PM

Amanda4242 wrote: »

Sorry one more question!!! I promise!!! Part of my CTC goes towards Child Care - is this included? Should I write something about this when I respond to their deferment letter?

Yes... The only thing they will consider excluding is disability benefits. They are more than willing to include everything else if there is a chance they can force you to start paying back.

ERUDIO student loans help

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