Thanks for your help. I have found the threads to be very helpful. It's astounding the amount of stress this company causes. I never had anything like this from the original SLC in Glasgow

Ok, I'll write to them. How would this cover my back though? If the debt isn't SB'd, then wouldn't I be liable to pay it wherever I lived?

Thanks. Yes, this was the one I tried and they had nothing on me. I imagine they won't be of much help if I call them. Is it worth writing to them? I'm curious as to what Erudio are playing here. One idea is that they have waited 5 years before contacting me and asking for money because they know the debts will be statute barred soon, however, it makes no sense to write at an old address. I'm not sure whether to bang off a SB letter and wait or play the waiting game and see if they file a CCJ?

It would be good to find out about when the loans were deferred last, but I'm having trouble finding the right website. Do you have a link? I suppose it's possible that they deferred the loans but didn't update my address. If that is the case, would I have any legal standing or would it have been my responsibility to contact them? I made the decision not to call Erudio a long time ago, but if they don't respond to my letters I'm not sure what to do with them.

I'm not sure how to do that. Is that a website for Student Loans original company?

Thanks. However, I.have checked my records and I have realised that I sent deferral forms in 2015. That means I'm still not in SB. However, when I sent my forms in 2015 I would have updated Erudio with my new address. I never heard anything from them until 2020 and they wrote to my old address. Does this seem dodgy to you? If it had been successfully deferred, then surely all correspondence would have been sent to my new address. It could well have been incompetence rather than trickery from their side. Is it still worth sending a SB? Thanks for advice

Thanks for your help. I wondered what a letter of claim looks like. What does that mean exactly? Also, I'm pretty sure I deferred in 2013 last. Is there any way to check as I don't trust Erudio. Years ago when I called them, the service was so strange and unprofessional.

Hello. I'd like some advice. I live overseas and have Erudio loans. Deferred them until 2013 or 2014. Then moved and forgot about debt. I rang up and checked with Erudio that my account was in arrears. I sent off new deferment form in 2014 I think with new address. I didn't hear from them until 2020, they had written to my old address and postman had forwarded it. They have asked me to repay. They've recently chased me again about this. I have no proof that I sent them my new address, I'm not sure what to do. Are they likely to take me to court if I live abroad? Thanks for advice