Hopefully this hasn't been covered elsewhere -
I've spent lots of time trawling the Erudio forums.
I have student loans from 1998 & 1999 which have been transferred to Erudio.
I have an earlier loan with Thesis and so they handle my deferment application for all three loans.
I came off a period of deferment in March 2016 but Erudio did not start collecting payments via direct debit until September 2016 meaning there were a total of 6 monthly payments that were not collected.
I wasn't on top of my admin last year and so didn't pick up that only Thesis were collecting for those six months and when the Erudio annual statement came in September,
I filed it with only a cursory glance.
Looking at it now, it states arrears of ~£500 on the account but with no details of how they've arisen or how I could pay them off.
hey're in no way highlighted which is why I didn't notice them.
I received a default notice from Erudio in May 2017 which is the first communication I've had from them regarding the arrears.
Calling them, I was told it must be because I hadn't supplied my direct debit details.
However my bank account and address haven't changed since they were last successfully collecting payments in 2014 and they've been collecting payments since September 2017 without me providing any further details so thats not a reasonable excuse.
My thoughts are that sending out my annual statement has somehow triggered my direct debits to restart and they've only just noticed now that they forgot to collect the earlier payments.
As an aside, the amount on the default notice is less than the amount of arrears on the statement by approximately one months repayment which makes me think they don't really have a clue what they're doing.
My problem is that I'm now back below the deferral threshold and really can't afford to repay the arrears until I'm earning again.
If they'd taken the direct debits or communicated that I was in arrears last year then I could have paid easily but I'm really stretched right now.
Does anyone know where I stand legally?
I understand they should have made efforts to contact me prior to the default notice.
I obviously don't want to default as I'm approaching the 25 year write off.
I'm not sure where I stand morally either
- it's their cock up but I probably should have picked it up.
Thanks for any advice,
TheKarrotman