A former tracing agent pleaded guilty and was fined for illegally obtaining personal information to check if customers of a high street bank could repay their debts.View the full article

Rescue Mate delivered the wrong tire and want me to pay for it. https://www.consumeractiongroup.co.uk/topic/458849-rescue-mate-delivered-the-wrong-tire-and-want-me-to-pay-for-it/&do=findComment&comment=5215225

Erudio student loan deferment problems?. https://www.consumeractiongroup.co.uk/topic/454154-erudio-student-loan-deferment-problems/&do=findComment&comment=5191087

Just wanted to finalise this story by sharing that I’ve had my complaint to FOS upheld. It’s been an anxiety and anger fuelled time but worth it to win against this disgusting company.  
 

Initially it was not upheld because they stated it was my responsibility to update my address and Erudio did nothing wrong.  But I added further comment and referred them to similar decisions where complaints had been upheld. 
 

The crucial element was that Erudio stopped sending deferment email reminders in 2021 and all those people who hadn’t updated their addresses did not remember to defer because everything was sent by post. 
 

FOS basically said that Erudio could and should have done more to contact me once the account went into arrears. They had my email address and phone number but didn’t use it. They stated that it is standard industry practice to trace a new address for people which they obviously didn’t attempt. Funny that once it was with Capquest, the phone calls were plentiful. 
 

Anyway, the decision hasn’t been published online yet but once there’s a link I’ll post it on this group. I realise we’ve only got another year or so for these particular loans but I hope I can help someone else by posting here.