haha ok, ill do that too Just checked again its blank but has the numbers on the first paragraph, ill blank it and send off tomorrow i dont see any new issues for this year in the threads, hopefully that means they are winding their neck in! Thanks again

Hi guys, About to send off my deferment, just checking this is the correct form? I was contemplating just registering and doing it online, low and behold, i wasn't able to anyway, said ineligable No erudio forms online to download and if you email them, they say they will get back to you within 28 days and they do not. So i'm going to send the Original SLC forms. Id rather not go through this all again but i suspect my forms will be ignored and history repeats, lets see. Just to confirm, i fill in this form , send it with 3 payslips with employers letter? i notice thhis form i have has some figures on the first page, shall i remove/amend them or leave as is? Thanks orig def form.pdf

Amazing thanks Dx Is there a timeframe i need to send within if deferrment is until 31st August?

Hi Guys, So after the court order, ive heard nothing from erudio. The order gave them 28 days to notify me 2 weeks ago i received further arrears notices as before Would the courts do anything here, or shall i just send my deferrment with supporting documents? By court order im deferred until end of august 2023, it's getting close to having to submit deferrment, which is 3 months in advance i believe?

Definitely rather not and follow your trusted advice for sure, i just dont want to get myself in a headache. its a year away so ill post back closer to the time. ill update once papers come through also Again sincerest thank you for everything

Just trying to clear up the clarification of being able to use the old stle SLC defer forms 'officially' If you click on the link for the forms here https://www.consumeractiongroup.co.uk/topic/401608-original-slc-forms-for-deferment-here/ and then follow the next link https://www.whatdotheyknow.com/request/assessment_of_deferment_applicat#incoming-562041 you will see a letter response from a legal exec at SLC stating: "Please refer to the attached documents - the Deferment Processing Manual, quick reference sheet, and deferment application form - which are used by staff in the processing of deferment applications. Please note that these documents only apply to deferment applications processed by SLC. Any deferment applications processed by the private sector fall to be processed in line with the debt owner’s own processes and guidelines." i then found a report on FOS https://www.financial-ombudsman.org.uk/decision/DRN4678958.pdf The officer states: "It’s fair to say that Erudio has changed some of its administrative processes since it first took over Mr A’s loans. These have been based on their experience of managing student loans. For example the direct debit mandate is now optional and they have changed the amount of information required from someone applying to defer their loan. So I believe this process should now be easier for him. I’m sure that they will provide him with updated documentation so he can now complete that." Another complaint i think from a poster here i read about: https://www.financial-ombudsman.org.uk/decision/DRN-3234840.pdf Rejected comlpaint, slightly different circumstances because he says he never got the forms and only sent in payslips, but the FOS made the comment: "I can see Erudio wrote to Mr C in March 2020 to invite him to make his deferment application online. And they wrote again to Mr C in April 2020 to remind him about his deferment application and enclosed a paper copy of the form for Mr C to return" And later: "I can see Erudio had offered Mr C the option to complete the deferral online when they wrote to him in March 2020 and in later letters. So although Mr C says he didn’t have access to a printer, I don’t think it’s likely he would’ve needed this as he could’ve completed the application online." I never managed to find any evidence of being allowed to use the original form? unless people here are actively and successfully doing it, i think its important to clear that up for everyone. The FOS does state the DD is optional though. Apart from the DD i cant see issues with completing the online form, worst case cancel the dd or give them an empty savings account dd that cant go overdrawn. Erudio state clearly in their guidelines the original terms of your loan still apply. i did find The Education (Student Loans) Regulations 1998 https://www.legislation.gov.uk/uksi/1998/211/made couldn't anything relevant Will scout some more but thought this is usefull

Essentially yes! I have the form from this forum, but is there anywhere that actually states the original form is allowed? Both you and i were looking for that but we could'nt find the official source again. Otherwise im sure the same will happen... i send old form, they say not accepted, i get defaulted. And thanks for clarification, i just saw the other post below and commented. checked the reconstituted version of my terms, indeed its 25 years or etc as you say. Alot of false info online. My debt will be wiped in the next 3 years so worked out ok in the end ive attched a good quality scan to help others Scannable Document on 3 Nov 2022 at 18_51_18.pdf

This is exactly what is on my terms, original are illegible but i have a reconstituted version But i also saw the above online so was confused, mine definitely says this though original terms of old style SL if anyone needs Scannable Document on 3 Nov 2022 at 18_51_18.pdf

Sorry for the late reply, had a very long shift at work and not long woke up hearing was in the morning, i saw your reply but didnt have time to respond, thank you DX. All in all it was successful: Judge said my limitations and SB argument wasn't accepted, but also they failed to provide their WS and bring last minute case evidence. Neither of us had much opportunity to speak and based off the last hearing notes which neither of us attended, Judge granted that the deferment continue as it should have been (essentially the tomlin order). I'm deferred until this time 2023 so lets see if any funny business from erudio when it comes to renewal. its agreed to be on my original terms. i'll wait for the court letter but also be sure to send my deferment on time. Having a look at erudio site, seems they cleaned up their act a bit, you cant see the form as its online but the guide states the terms are those based on your original loan etc (attached in case anyone wants). im presuming if need be i can call and speak to them as normal human beings maybe wishful thinking lets see. Was very fast to be honest, was surprised about the sb being denied but i didnt want to push it, it seemed much was decided before i walked in, or maybe my lack of experience in court. Looks like mine are written off at 65 so i have some way to go and will probably have to start repaying at some point, but the outcome could have been worse i guess Thank you all for your help, been a damn long journey and couldn't have done it without your help. i will update once court order arrives and if anything from erudio. Not sure what happens next but erudio will need to send me a confirmation im sure Erudio How to Guide 2022 - 2023 Final.pdf

Hi Guys, Hearing is tomorrow, drydens only sent me the witness statement and reply today and by email! The court letter clearly said hard copies and no later than 14 days before the hearing. Can i bring this up to the judge?

Phew thanks Andy! Ill be ready for the hearing and send the bundle in time!

Hi all, Just an update, Court letter received today: Upon the court noting that the claimants failure to comply with civil procedure rule 27.9 (1) and noting the contents of the email dated 24 August 2022 seeking approval of a draft order. It is ordered that: 1. The claim is adjourned to the first open date after 28 days mainly November 2022 2. The claimant must attend or comply with civil procedure rule 27.9 (1) 27.9.1 is the non attendance of a hearing, so im not sure what they mean by attend OR comply with 27.9.1 Would the email draft order be the tomlin order or something else? I just looked at the previous letter from the court after the initial application hearing, im lucky they didnt attend and adjourned this because i didn't see or forgot there was a hearing on 7 september!! This things been going on for years now and ive just made it longer, i got confused, thought i would get another letter with a date. Had i attended and they didnt, would this have been struck out? Dammit, i've put the next date in my diary now though Anything i need be aware of or do now apart from make sure my WS and bundle are delivered on time and actually attend!?

Thank you yes i understand that, im just trying to establish the weight and merit of the SB position in court and what your thougths were as to whether this was SB or not. I was inlcined to negotiate the tomlin but i cannot see how this is not SB based on their letter to me The main weight of the case rests against their letter to me that states my last deferment was in October 2008. My letter to them was dated 27 Oct 2014, which is 6+ years. I never previously acknowledged anything from them. I got a SAR from SLC. I think the SB comes down to a techinicality on their behalf by admittance in their letter to me

Yes i did with my first response to their first letter to me in october 2014. Ok so i should amend that in my WS and oput exact dates I guess what im asking is should i proceed with court or negotiate Tomlin? They have emailed me again today, i have until the 25th as this was when the court requested the pay for the heaing fees And either way should i reply? They have asked for me to confirm what i intend to do

? Hi thank you, in what way? as in the full date?