Hi, Again, thank you for your response. I have read the other thread and many many others but have not been able to glean concrete answers to some of my questions, hence the thread that I have started on here. With reference to the SB'd debt, can I have one question forgive me for asking if you have already answered it: If I contact Erudio in writing asking them how much I owe, will this action case the debt to no longer be statute barred? ie I have acknowledged the debt and the clock will start ticking again re: Statute of Limitations. Also, the thread that you have referred me to does not answer the following questions as per my original post: "2.Will I be able to pay off the arrears and leave the original debt still owing and then defer on the original debt? 3. I have read that old-style student debt that I have is written off after 25 years - will I be able to have this debt written off once I have cleared the arrears? ( I earn under the 28k threshold & Sept 2022 will be 25 years from the date that I had the first loan payment 4. If I send the SLC a SAR, will they still have details of the original debt and how much I owed when it was sold to Erudio? 5. Once I have paid off the arrears/loan, how long does it take for the flag to be removed from my SLC record so that I can then access further student finance?" Is it possible to have these questions answered? Again, thank you for your help and patience. I genuinely appreciate it x

Hi, Thank you for your response. I was of the thinking that contacting a credit cane be seen as acknowledging the debt which will restart the clock re: limitation period. I agree that Erudio should be informing SLC that the debt is written off as I am sure it is. However, I don't know what processes to follow and/or how to handle the situation with them...? i.e. should I speak to Erudio to confirm the account is written off? How can I converse with the SLC? Is there policies or precedents that I can follow? etc. etc. Can you shed any light on this?

Yes I did thank you. It answers some questions but not all of them. I have kind of accepted that I will have to give Erudio money should I wish to pursue further study (even though it will kill me). I am now trying to get a handle on the situation before (and if) I contact them. Knowing how much I owe and what their processes are will be very helpful to me.

HI, Thank you for your response. I know that the debt is statute barred but have the flag taken off my SLC record and to be able to access further student finance, I need to sort this out hence my post X

Hi, I would really appreciate advice from anyone who has had a similar problem or is knowledgeable about SLC & Erudio and their policies/processes. Background: I took out a student loan with SLC in 1997. My last payment from them was in January 1998 as I did not complete the course. The loan totalled around 1k. I never deferred the loan or paid off any of the debt and at the last count (around 2012) I still owed the debt and had accrued around £800 arrears. Fast forward to 2021 and I now wish to pursue an MA. I applied for student finance but was unable to secure it as I have a flag on my account due to arrears from this 1997 debt. I contacted SLC and asked how much I owed and how much the arrears are now? I was informed that I will have to contact Erudio for all account information. I am happy to do so but I would like to have a bit more knowledge before I do, as I gather that Erudio are not a very nice company to deal with! Please note: I do not have a copy of the original loan agreement and I do not know what the status of the account is with Erudio. They have never contacted me since the debt was sold in 2014. SLC have my current address but I have never had any correspondence. What I would like to know is: 1.If I contact Erudio by telephone will I start the clock ticking again on what is a statute barred debt? 2.Will I be able to pay off the arrears and leave the original debt still owing and then defer on the original debt? 3. I have read that old-style student debt that I have is written off after 25 years - will I be able to have this debt written off once I have cleared the arrears? ( I earn under the 28k threshold & Sept 2022 will be 25 years from the date that I had the first loan payment 4. If I send the SLC a SAR, will they still have details of the original debt and how much I owed when it was sold to Erudio? 5. Once I have paid off the arrears/loan, how long does it take for the flag to be removed from my SLC record so that I can then access further student finance? I appreciate any advice regarding this matter. Thank you for your help and let me know if you need further information. BW, Sorted321 x