Hi All I have been trying to get my deferment debt which was applied to my student loan from 1993 ,even though I have contacted them many times as I was homeless in 1998 -2003 but still contacted them ,its now 2019 and they still insist I owe them even though I was assured by them in 2002 it was taken off . It now seems in the hands of Link financial and thesis loans with Honours trustee being the owner or something , As I am in University now for a PGCE there is a block with this deferment ,which I thought was resolved in 2006 when I had a personal apology from CEO of SLC , I dont have that letter to show as I never kept the correspondence If anybody has had the same expereince I would be grateful to hear them

Hello I am deaf and me and my wife took a loan out of £16,000 secured loan through igroup Ltd via loans.co.uk. We believe we have been misold with PPI. I wish to make a PPI complaint so can you please point me to the right direction to who I should make a PPI complaint to? The loan was taken out sometime between 2001-2003, not too sure and we have lost the original agreement, unfortunately. Please help? Many thanks Angus

Afternoon all, I purchased a £300 car to use for a parts car whilst restoring another car. As it happens I didn't really need anything so sold it on 3 days ago for a little under what I paid. This morning I received one of those letters from Loans2go starting it's there property and they want it back. I was a little taken back as I HPI checked the car but realised after checking report this morning that it was the cheapo option which didn't include finance. Naturally I only use the more expensive hpi for expensive cars..... I called them up and explained I wasn't aware etc, lady was very nice and kept saying I have 10 days or I could make a offer to settle. I took great delight in winding her up as I won't be paying a penny I said well it's all very well saying I have ten days however you won't be getting anything and I have also sold the car. The irony that it's now being used as a stock car as it's worthless. So anyone know what happens next? V5 was filled in on the night of sale online, I have a receipt with all buyers info and sellers info. Loan was taken out against car in 2016........ I want to know if all my items & cars are safe from sticky hands. Cheers for the help

Hello, I'm in a spot of bother with Erudio. Thought I was being clever/daring etc... by returning their letters over the last five years last week received a claim form through the post, at which point I (sensibly) lost my nerve and found CAG whilst searching the internet for help. Have followed the advice in the small claim thread, filed my AOS (today), and written CCA Request and CPR31.14 to post tomorrow. Details of claim below: Name of the Claimant:Erudio Student Loans Limited C/O Wilmington Trust Date of issue: 21 NOV 2018 Particulars of Claim: 1. The claimant's claim is for monies due from the defendant under the regulated agreement(s) between the defendant and Student Loans Company Limited under master reference xxxxxxxxxxxxxxxx, and assigned to the claimant on 22/11/2013, notice of which has been provided to the defendant. 2. The defendant has failed to make payments in accordance with the terms of the agreement(s) and default notice(s) have been served pursuant to the Consumer Credit Act 1974 3. The claimant claims the sum of £7116 4. The claimant has complied, as far as is necessary, with the Pre-Action Protocol for Debt Claims Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ?Possibly. However, any post relating to Erudio would have been returned to sender What is the total value of the claim?£7626 (including court fee & costs) Is the claim for - Mortgage style student loans taken out between 1995 and 1998 When did you enter into the original agreement before or after April 2007 ? Before Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Don't think so. Experian rating was 999 as of 26/11/18 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 Student Loans Limited Were you aware the account had been assigned – did you receive a Notice of Assignment? I was aware loans had been sold to Erudio, and was sent a notice of assignment, but returned it. Did you receive a Default Notice from the original creditor? I don't know. (sorry) Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? I've been returning post about once a year. Why did you cease payments? My income has never been over the threshold for repayment. Whilst the loans were held by SLC, I deferred every year. I took an ideological stance when the loans were sold to Erudio and decided to return letters with a RTS label. I thought it was worth a try. (What a wally!) What was the date of your last payment? I last deferred 25/04/2013 Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan No I have written the CCA request and CPR31.14 and these will go in to the post, recorded delivery, tomorrow. I have also registered with MCOL and filed AOS, ticked 'defend all' and not ticked the 'juristiction' box. I'm following other threads concerning Erudio. Next step? Await response and start researching legal successes for suitable defence? Thank you (feeling very grateful to have found you!)

Hello, i have had a loan with cash on go ltd peachy loans in August 2012, i didnt pay it back and they defaulted it on 07/11/2012 , this was showing on my credit file up until about a month ago when it just suddenly stopped showing on there. It has now reappeared in November but they have set the default date to one in 2016, when i have proof it was defaulted on 07/11/2012. Why would they do that? I have emailed the CRAs to tell them is there anything else i should be doing? Should i contact Peachy direct. I'm not 100 percent sure if it is it stat barred as i may have paid something in a payment plan but i am trying to find out yeh just to confirm its not stat barred- as i made payments in july 14

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?

Hello everyone. I'm getting anxious about my currently deferred student loan and seeking some advice/guidance/reassurance, please. I have four mortgage style student loans from the early 90s and as I’ve beenbelow the threshold I have been deferring them; every year since I graduated. It’s all been pretty straight forward and deferment granted promptly. Last year’s deferment letter from Honours Student Loans(and maybe several before that) said, if memory serves, I was in breach of theloan T&Cs as I no longer have a direct debit in place. It must have ‘timedout’, as I’m sure there used to be one. As I’m now within a few years of my loan being written off I’m keen not to do anything that could be used against me by placing me in breach of the T&Cs and put me in arrears during my final few years. I’m winding myself up by reading the entire internet on whether the T&Cs actually state I must have an active direct debit inplace, even if I’m currently in deferment. So my questions is, when I receive my next deferment letter should I give them my bank account details, or even call them to provide them now, or shouldn’t I? On the subject of the deferment paperwork – have HSL changed it this year (2018)? Will my paperwork be different in 2019? If so, should I approach it differently? The next issue is difficult for me, as I think I may have been filling the deferment form out incorrectly. I haven’t been including Child Tax Credits as income as the advice I received at the time was that it didn’t count as taxable income and therefore didn’t need to be included on the form. But now I’m reading that I should have been declaring it? If so, then would your advice be to start putting it on the form from next year? The tax credits would place me close to, but I think still under, the threshold. As I haven’t been declaring child tax credits and probably should have been, would this be grounds for me to be regarded as in breach of the T&Cs and effect future deferment/write-off? If I should declare it, do I need to declare 100% or canI declare 50% as it’s in joint names with my wife and her income doesn’t count? Many thanks for your help.

Hi I'm so glad to have found this forum. I hold 5 student loans from years 1996 - 2000. The 1996 & 1997 loans are with Thesis The 1998, 1999 and 2000 loan are with Erudio I have never received a DAF from Erudio or signed any document with them. My loans have always been deferred thorugh the Student Loans Company, who now seem to have rebranded as SLC. Historially I've occasionally been late submitting deferment but it's never been an issue. I did not receive a DAF from anyone in 2017. Erudio have sent me a default notice letter saying I had to pay my arrears of £1254 to "remedy the breach of Agreement" by 21st Oct. For personal reasons I didn't open this letter until after that date. I rang them (sorry! - I won't make that mistake again, it was before I found this forum) to see what could be done. I've been told that I'm no longer eligible for deferment. I was explicitly told that the agreement has been cancelled and that I'm no longer entitleld to have the loan written off in 2025 and that I need to enter into a repayment plan. When I started receiving letters I spoke with SLC (last month) and they have sent me a replacement DAF, however it only lists the 2 Thesis loan account numbers, not the 3 Erudio ones. I'd greatly appreciate advice on where I stand legally and what my next step should be. Thesis are also now calling, emailing and texting but I haven't yet responded to them. Many thanks DJ

Hi, I've tried to have a good look through the website, which has always been a great help over the years (thank you so much!!) but I just need to clarify a few things before I end up doing something stupid. I had the old mortgage style student loans with the Student Loans Company back in 1993 and 1994, and deferred them over the years due to low income and poor mental health. I don't know if I'm remembering right but I think the last time I acknowledged the debt and tried to defer again was 2012 or 2013 (not a good year personally, don't remember much). Fast forward a few years, find out the account was sold to Erudio - never acknowledged any debt, but now in the past week, I've received a Letter Of Claim from DrydensFairfax to my current address which starts with the following: "This is a Letter of Claim sent to you in accordance with the Pre-Action Protocol for Debt Claims...". They are trying to claim both 1993 and 1994 loans together under one account number and the account summary only states balance on 11th September 2018 (debits/credits/interest), along with adjustments for menial amounts between 6/9/2018 and 11/9/2018. So, how much of this is hot air or are they trying to get a backdoor CCJ? Should I send a CCA request to them (is it s.77 or s.78, sure its s.77 but better to be sure)? Do I send the new GDPR SAR request and if so, who do I send it to - SLC, Erudio or Drydens? Do I bother to fill in the Income and Expenditure form, repayment offer, or reply form they've sent? Apologies for the questions, need to make sure I don't screw it up. ta

Hi all, I just wondered if anyone had gone up against Amigo Loans in irresponsible lending cases. i have had a few loans from 2015-2017 with various top ups just wondering if i might have a case? just checked what i had 3250 16/05/2012 2250 11/09/2014 4250 03/04/2015 5000 29/04/2016 was in a DMP with payplan during the first two loans started missing payments around 03/09/2015 for a few months as was in financial difficulty

Hi...I am hoping someone can give me some advice regarding Amigo Loans. I 'stupidly' went guarantor for a relative with Amigo loans about 2 years ago. They paid their payments on time every month up until May 2018. At this time, their partner lost their job and they could no longer afford the repayments. Knowing this, they contacted Stepchange and went on a DMP straight away. Amigo will not accept the payment that was offered by Stepchange and have started to chase me for the money which is expected. I unfortunately am in the same situation as my husband lost his job last year and I went on a DMP 8 months ago. We have both contacted Amigo and explained the situation but no matter what we offer it is not enough for them. They have told us that due to our circumstances they can not tell us to make any additional payments as this would put is in financial strain, but the amount offered is not enough to keep the account on hold and that it would be passed to their litigation team on the 19th of this month to pursue a county court judgement. We have repeatedly asked them what they would accept as a reasonable repayment as we would try and get help and support from relatives but they keep stating it is not enough to repay it in an acceptable time frame. The debt stands at around £10.1k from a loan of £9.5k with £345 a month interest and a normal monthly payment of £375. We are offering them £175 between us. We do not want this to go to court but unfortunately can not afford to pay any more. Can anyone give me advice on how to avoid legal proceedings or is this inevitable?

Dear Forum Members, I used to be in a mess getting by on PD loans and had up to three concurrent ones Thankfully with the help of family members I managed to pay them off. At least I now pay off my debts with no interest ... I recently found out out about your website and decided to make a claim for irresponsible lending. Both QQ and Wonga rejected by claim so I went to the ombudsman. As some of my loans were more than six years old, QQ replied that they will not deal with them. The ombudsman has offered me two options: Continue claiming for all loans which will take more time and may fail or progress only with the loans I took within the last 6 years. So my question is if its worth pursuing the old loans? Do I have any chances of success? Or should I pursue the rest of them and get what i can ? Any advice would be appreciated. Andy G

Hi all, I was posting about CCA request which led to unearthing my other accounts and I was advised to start another thread in this forum as I may be able to get my PDL wiped under the irresponsible lending rules. I have the following to my name: EuroCashNet (Quick Quid) £770 Instant Cash Loans (Month End Money/ Payday UK) £300 I have been paying towards these on a DMP and i'm due to make a payment in the next couple of days. Any help would be greatly appreciated. Many thanks in advance.

https://www.gov.uk/budgeting-help-benefits/how-to-claim Swift process took less than a minute to complete be aware it is still beta testing You’ll get a decision by post within 15 working days.

I am on the new style loan and after moving repeatedly I haven't had any contact since 2015. I now live in France and was wondering if anyone has ever successfully lost student loans? Would I be unable to return to the U.K if they have lost me?

had a letter come through the door from the land registry. this was telling me that amigo loans had applied to have a charge put onto my property due to my wife standing as a guarantor for her cousin. you can imagine this has come has a major shock to me as i was not made aware of this by my wife. my permission would never been granted. i have until noon on thursday to reply to the land registry as my wife is a bit simple she said she did not know what she was entering into and the consequences. can i add this was the first time we have heard about this the land registry letter. no letters have been sent to us or court orders or told the debtor had stopped paying . when i rang amigo up i asked them why we had not been informed of your actions and the debtors non payment he replied you have now. why have you not sent bailiffs in to recover your cash he replied we dont do that we have your house. i find myself dragged into someone elses non payment. the debtor has no worries sorry pal i cant afford to pay. need urgent assistance on what to do here im in panic mode.

Hello all, I've tried to read as many posts as possible but cant pin down the best course of action for my exact circumstances, I have several mortgage style student loans from 94-98 period that were sold to Honours (HSL/Link outsourcing) back in 1998 but SLC still do the deferment processing. I have always got my deferment forms in on time and have never earned anywhere near the threshold so was looking forward to getting the rolled up "package" of loans cancelled in 2023. But this year SLC never posted the deferment form and like a fool I didnt get around to chasing them. Just received on Thusday 18th April a letter dated the 11th from HSL warning of needing to start paying £185 a month when my deferment period runs out on April 24th. Being naive I phoned SLC who told me to phone HSL phoned HSL wanted NI number DD etc setup I reluctantly agreed! They told me SLC deal with Deferments Phoned them Got to a "supervisor" they won't resend deferment form but gave me code to log-on to SLC My account type thing which I have never used because have always Dealt with them by post. I have downloaded the deferment "pack" they never posted to me which and returned it complete with all evidence etc on the 18th and another copy by Signed for post today the 20th. Obviously this will not be processed before my current deferment period ends. If possible I do not want to give HSL any reason to say that I have any arrears or have broken the contract in any way. but I am loath to make payment By DD or with a card to HSL as I am carer to my spouse and we live on Pension credit and disability benefits So really we cant afford to pay. I would like to keep trying to engage with SLC and doing the deferment routine for another 5 years until the loans are wiped but I am sure HSL will insist i have defaulted because the deferment cover will have slipped for a few weeks and I will be stuck on the pointless chasing merry-go-round pass the debt to the link financial people etc and I do fear the risk of future CCJ even though I have decades of paperwork proving a right to deferment. I think I have been Deliberately engineered into this situation just wish I had chased SLC for deferment form earlier. can I cancel the DD with my bank ignore HSL and hope the 3 month rule means they have to backdate the deferment or reluctantly pay HSL sounds bonkers I know and try to claim back?? Fat chance.. The irony is SLC Know of my circumstances because I also have a Plan 1 type loan from 99-200 so I have to fill in an SLC form about that every December because they cant find me through PAYE system for the last few years. BTW yes I did graduate eventually please help many thanks in advance

Hi, I had various loans from wonga in 2011 date - 11/07/2011 amount - £135 interest+fees - £29 date - 03/08/2011 amount - £280 interest+fees - £60 date - 29/08/2011 amount - £523 interest+fees - £172 date - 30/09/2011 amount - £660 interest+fees - £189 date - 28/10/2011 amount - £780 interest+fees - £223 date - 30/11/2011 amount - £973 interest+fees - £179 I made a complaint of irresponsible lending as i regularly was unable to pay bills etc. they have offered me £159.91 plus 8% interest which totals £222.58. Should i take this further to the fos or should i accept the money and forget about it. Just wondered if anyone has similar previous experiences or if anyone has any ideas if it would be beneficial going to the fos. thank you

Hi first time posting on here. I like most got caught up in a payday loans trap, I took out multiple loans with wonga and quick quid, I was paying one off then borrowing from another to live on because the repayments was most of my wages, I am posting on here to try to claim the interest back on my loans as I believe they was leant irresponsibly, when I first started taking the loans out I was already in debt to Halifax due to a £1000 unauthorized overdraft, that's now sold to 1st credit. I have emailed wonga and quick quid this email. To whom It may concern, I am making a complaint to you about irresponsible lending. To help me explain the details, I would like a list of my loans, showing when they were taken out and how much was repaid and when. Please note I am only asking for details of my loans, I am not making a Subject Access Request. Thanks Mr T B. I have received this email back this morning from wonga. Your complaint is being dealt with Dear Mr B, Thank you for contacting us. We were disappointed to learn that you are not happy with our service. We take customer concerns very seriously and we will do our best to investigate this for you as quickly as we can. We are referring the matter to our team of customer support specialists and they will contact you to offer a resolution or an update regarding their progress. A copy of our complaints policy is attached for your information. Your case reference number is ********. Please quote this number if you need to contact us regarding this matter. We will do our best to issue you with a full final response as soon as possible and will keep you updated on our progress. If you have any questions in the meantime, please contact us by telephone on the number below or by sending an email to customer complaints Kind regards, Complaints Team wonga.com 0800 316 6745. Do you think I will be able to claim back the interest on the loans. as I am currently unemployed, not claiming benefits, and suffering from depression, so any money I might be able to get back would be a massive help to me atm, i would like to say thanks for reading this post and any advice given to me will be a huge help ��

Hi, I have finally checked my credit file and I have 2 defaults from PD loans and 1 from Lloyds. Cash on Go ( I think may be Satsuma) - £410 ( Initially borrowed £200) Provident ( I think may be Peachy) - £755 ( Initially borrowed £400) and Lloyds £410 ( 100% unplanned overdraft charges that have accumulated.My account was a basic account with no OD facility.) United Kash have been contacting me for the Satsuma loan but from reading on here, I have not replied or answered the phone. As they are defaulted what can I do now? Just ignore them? There is a very slim chance that I could possibly borrow the money from a family member to pay them all off but I don't know how to start as they are now in default? Any help appreciated! Thank you!

I've posted on another thread about how I'm finally facing the payday loan mess I got myself into a few years ago. I've picked through the chaos and now have a picture of who I borrowed from and roughly how they were left – a lot of these loans were going on at the same time, and my credit file must have already been shot to bits as I was being approved applications. What I'm confused about however is how to proceed with an irresponsible lending complaint if there are still amounts outstanding, or if it has been sold on? It all seems so *messy* and as more time passes the foggier it gets??!! Would anyone mind lending a hand? PAY DAY UK Repeat loans / repayments over a period - one loan unpaid now at CCJ claim stage by BW Legal PAYDAY EXPRESS Repeat loans / repayments over a period - one loan unpaid now being threatened with CJJ by BW Legal (they might follow through as they have above) 1ST STOP Repeat loans / repayments / rollovers over a period – one loan resulted in a CCJ (still have to pay this) VANQUIS CREDIT CARD I settled/paid Lowell and default on credit file MR LENDER Unpaid - default on credit file and with DCA QUICK QUID Repeat loans / repayments over a period – one loan unpaid but I eventually settled/paid the DCA - weirdly nothing on credit file SUNNY Unpaid - default on credit file and with DCA WAGEDAY ADVANCE Repeat loans / repayments over a period – paid some/maybe all but unsure if there is outstanding amount left unpaid WONGA Repeat loans / repayments over a period – I had an email saying the amount was being written off and it dissapeared from credit file SWIFT STIRLING I'm finding it difficult to piece together what I borrowed with them but I think it was two or three loans – paid some/maybe all but unsure if there is outstanding amount left unpaid LADDER LOANS Several loans that were repaid in full Urgh, such a big depressing list. The list of doom! Any help where to start would be appreciated.

Hi guys, Hoping you can help me, while at uni I like many had to live on these damn things, I would pay one off then get another one out the same day to keep on top of the money which had just been paid back, The other day I got a letter from Moriarty Law Solicitors threating court action, like an idiot I agreed to pay back 50 a month to them for a 450 balance from a 300 pound loan, I can not afford to do this I made one payment and then stopped it. Today I called up and explained the situation and the customer service agent was so rude!! Quickquid unfairly lent me loans for a good 2 years I would say, without any means check and let me run up so much debt. I also have debt with 2 other lenders but they are not with DCA yet. I understand there is a gray area once it goes to a DCA so could you please help? I cant log into my account on quickquid either. I know I borrowed it so should pay it back but Moriarty Law Solicitors won't accept a plan I can afford now I missed a payment. This is just one of them - As we have advised you previously in the Notice of Default, you have failed to make payments required under your Loan Agreement with QuickQuid or to contact us to take corrective action. Loan: .... Date of Agreement: 41507 Outstanding Principal: £250 Outstanding Interest: £208.44 Outstanding Late Fees: £24 Discounts & Credits: £0 Total Amount Outstanding: £482.44 As a result, we have decided to refer your account to a Third Party Debt Collection Agency who will be in touch with you in due course. Their information is listed below. If you would like to make a payment, please contact the debt collection agency: ARC (Europe) Ltd 01932 251842

Noddle seem to list normal long term loans under "Short Term" on the basis that the lender provides daily information under a new system called MODA. Is that legitimate ?

I'm a keyholder and friend to an elderly gentleman. He took out a loan with Lloyds bank some years ago to purchase a mobility scooter for his disabled wife. She was repaying the loan from her disability income. A few years later, she had to replace the scooter and he got out another loan which consolidated his previous loan. She since died two years ago, he got another loan out to pay for her funeral (which consolidated his previous loan). He is finding it difficult paying this loan off, he had a meeting with a Lloyds staffmember, who advised him to take out another loan to consolidate his previous loan and pay off his overdraft. The gentleman in question is 86, and is constantly short of money - to the extent that he is survivng on Pot Noodles and fig rolls! My view is that Lloyds bank is acting recklessly and immorally, given that my friend is 86 and on a very severe budget. I would appreciate any advice anyone can give. He is extremely loyal to Lloyds bank - never a good thing, to be honest, especially in his case! Hope I posted this in the correct forum - if not, hopefully a mod can move it?

Please help, First time I received my salary and my outgoings monthly payments are bigger than amount received. I have unsecured loans and pay day loans and this Month I won’t be able to pay 3 of them, I read all the 10 steps but I am still panicking, I have more payments than my salary and I need at least 3 Month to back to "normal" when my paY day loans will be paid in full but this Month and next one I have to stop some payments. Please help and let me know how to go the creditors and what I can ask TO HELP ME, WHAT should I tell them? Can I ask to freeze 2 Month instalments or just offer pay a little? Many thanks