Hello. I had a similar problem. The SLC refused to send me a deferment form even tho I was under the threshold for the mortgage style loans, They said it was because I was only allowed to defer for so many years and then I had to start paying it back regardless of whether I met the threshold or not. I spoke to two different people at SLC. So am I wondering if the whole call centre was told to tell people what I was told. Can you let me know if this is why u were refused. Thanks

I received a letter from SLC about them being non compliant and giving me reduction on my mortgage style student loan. The loan is stated as for the years 1995, 96 and 97. I've not made any payment in the last 6 years or at all, as I've never met the threshold for payment. I contacted SLC about my deferment and they refused to send me a deferment form , saying that I had reached the point where I could no longer defer and I had to start paying it back. I argued that I wasn't earning the threshold amount, but was told that didn't matter because I was no longer entitled to defer. I spoke to two different people at SLC, I figured it must be right. This contact was just over 6 years ago. Since then SLC have been chasing me for arrears from not deferring. They employed debt collectors, I was forced to write to the debt collectors and SLC concerning these arrears, not the actual loan. SLC still wouldn't send me a deferment form. And actually got a deferment from one of the debt collectors last year and deferred. This deferment expires in July. I received the non compliant letter from SLC in relation to admin letters to me in the past. And loan was sold to Erudio I've made no correspondence to Erudio. The statement from Erudio states loans from 95 to97. I would like some advice on what my next move is. Do i send out a CCA letter, SAR letter or could it be statute barred?

I also have this letter from SLC about them being non compliant and giving me reduction, but it doesn't say that Eruido or anyone else is taking over. There's no mention of it being sold. I have not been informed of this. Then I got the Erudio deferment pack. A few years ago the SLC refused me my legal rights to deferment and refused over the phone to send me a deferment form, saying that I could only defer for so long and that time had come to an end and now I had to start paying it back. I argued that i wasn't earning the threshold and was told that didn't I still had to start paying it back. I was scared I didn't know what to do, so I left it. Consequently, cos I didn't defer, Got harrassed for a few years by debt companies for arrears that had built up cos I hadn't deferred. I would say that refusing my legal rights to deferment is motion enough for statute barred. Has anyone else had this particular problem of the SLC lying to them by refusing to send out a deferment form?