Thank you. I understand that and have seen it said many times, and since gratefully taking sound advice here have never communicated with them unless necessary. I guess it was more whether requesting the documentation was useful to me going forward, rather than simply giving them a hoop to jump through. But will ignore.

Thanks v much. I suspected as much. Would you advise writing to request the documents be posted or ignore altogether?

Hi guys, letter from Drydens Fairfax following response to PAPLOC and request for documentation back in March. They want me to register with their customer portal to view and download the documents, available for next month. Is this unwise in any way? Should I be requesting paper copies via post? Can’t think that this has come up in any other posts or am I being overly cautious? thanks

Just thought I should update, although nothing major. Responded end of March to PAPLOC sent by Dryden and CCA request to Erudio. Drydens wrote a couple of weeks later to say that account has been placed on temporary hold. No response by Erudio to CCA request but early May they sent three separate notices of sums in arrears (one for each loan) where they appear to have ‘refunded’ the postal order as credit.

Thank you. Appreciated. I realise I’m being a pain.

Thank you. So I dispute this debt because..recommended reason as advised from your thread and add the debt purchaser has yet to provide any or all of the required documentation. I.E no reason. All I’m doing is asking for extra documentation

So default statement is just “debt purchaser is yet to provide….” A few posts back I suggested those as my reasons to dispute and you said sounds fine. Sorry, I want to get it right and I’m not finding it clear

Ok thank you. I shall be briefer and simply state, as advised, that my last application to defer went unprocessed and that I remain under the threshold.

Great, thanks. So just sat last deferment not processed and remain under threshold. and to be clear, CCA request to Erudio?

Evening, draft of dispute: Please be advised that I dispute the alleged debt (original Account No. xxxxxxxxxxxxx), including any alleged arrears, for the reasons detailed below: Having for nineteen years already legitimately deferred repayments on three student loans taken out with the Student Loans Company between 1998 and 2000, a deferment form was completed and forwarded to Erudio as usual, accompanied by details of income, in October 2020. This was not processed for whatever reason. A copy was resent to Erudio, which they received on 15/02/21, but also received no response. My income remains, as Erudio are aware, substantially below the threshold, as per my original agreement with the Student Loans Company, whereby repayments become due. The debt purchaser (Erudio) has yet to provide any or all of the required documentation.

PAPLOC just arrived, as anticipated I guess. Will follow instructions to dispute based on: deferment sent over two years ago but not processed Always deferred as under threshold Will check back in here when drafted. Anything else you think I should do, request, add, at this stage? thanks

Letter from Erudio informing passed on (sent downstairs) to Dryden Fairfax

I think they must be getting desperate. Text message this morning offering a 50% settlement

I assume they do have original agreements. I haven’t received a PAP and am, by my calculations four years away from being SB. I have no plans to offer a settlement or set up a payment plan.

For the record, almost two years after being informed account terminated by Erudio, it’s been passed to Capquest (I realise that essentially means shifted to another office). Letter by post and a text message, both yesterday. To recap, the last thing I sent was a deferral form in Feb 21, backdated to Oct 20, which they ignored, and have always earned well under the threshold so have never made any repayments in 22 years. Assume it’s right to block number and ignore everything until a letter of claim.