I graduated back in 2002.
I know after that, the Student Loans Company sent me deferment forms which were filled in and accepted.
Erudio took these over years ago and I have never received any deferment forms from them, or any way of doing so.
I've made no payments or, as far as I'm aware, acknowledged anything with them.
The other day, 3 brown envelopes arrived from Northampton.
Opened one and it was a County Court business centre claim form for £2400ish against me from Erudio / Drydens. (Letters from Drymens telling me that I would receive court papers arrived a few days later).
I have no idea what to do here.
I'm not fully clued up on the logistics of the loans and can't remember exactly when they were taken out but if I graduated in 2002, the 1998-2002 seems about right.
I've never earned the required £2200 or so a month and this was fine with the SLC and I'm not exactly making enough to make the sort of payments they would probably be looking for.
The last thing I want are CCJs against me for this.
The forms seem to be giving me the options of:
Admitting the amount and want time to pay
Admitting part of the amount
Disputing the claim
28 days needed to prepare a defence.
The forms didn't go to the address I've generally living at (but to my parents I used to live at) so I've got maybe 6-7 days now to do something.
Any ideas what I should do?
Whilst I don't mind paying them back if I have the funds to do so over time, why have they waited 16 years after my graduation in order to do anything?