i hope so! the messiness of their notes in the SAR just makes it quite difficult to get a clear picture of everything so just have to be careful how i word everything. Appreciate the help so far . Thank you

Which Court have you received the claim from ? County Court Business Centre NN1 2LH How many defendant's joint or self ? just myself Date of issue – 1st Aug 2023 Particulars of Claim What is the claim for – the reason they have issued the claim? 1.Claimant claims £2392 for monies due from defendant 2.Debt was pursuant to a regulated agreement between the defendant and the Student Loans Company Ltd . Each agreement has an individual account number as follows 99MCP... 3.Defendent failed to make payments as per the terms resulting in the agreement being terminated. Notice of such is served by a default or termination notice subject to terms of agreement 4. The debt was assigned to the claimant on 22/11/2013 with a notice provided to the defendant. A new master reference number was also applied upon assignment 5.Claimant has complied with the pre-action protocol for debt claims What is the total value of the claim? £2392 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Unsure Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes. Recently moved but post forwarded Did you inform the claimant of your change of address? No Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? No When did you enter into the original agreement before or after April 2007 ? No Do you recall how you entered into the agreement...On line /In branch/By post ? By post Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? No Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Erudio is the claimant but Drydens Ltd address is there for payments Were you aware the account had been assigned – did you receive a Notice of Assignment? Give answer here Did you receive a Default Notice from the original creditor? Yes Have you been receiving statutory notices headed “Notice of Sums in Arrears” or " Notice of Arrears "– at least once a year ? No Why did you cease payments? I was trying to get it reversed as it was a result of SLC not passing deferment to Erudio What was the date of your last payment? never Was there a dispute with the original creditor that remains unresolved? Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? I used resolver to communicate with them trying to understand why this has happened .......................... I have the copy of the agreement first made with Student loans before they sold the debt to erudio

Any advice would be really appreciated. My loan was sold to HSL and Erudio. SLC are responsible for administration and they have always sent the deferment to both companies. I was almost at the point where the loans would be written off I returned last year's deferment form but SLC then asked for evidence. When I sent the evidence they forwarded it to HSL who deferred my loan. Upon receiving letter saying loan was deferred I assumed it applied to all parts. Months later Erudio sent a letter saying I owed them the full amount. SLC originally told me I was supposed to have sent Erudio the evidence separately but now admit that they were responsible for forwarding to both parties. It took them a while to process and in that time my Erudio loan had defaulted. Erudio have now sent a claim form from the court via Dryden debt agency. I have uploaded a pic of the claim form and also segments of the SAR from SLC Can anyone offer any advice please? Thank you claimform+SLC sar notes.pdf