Erudio/Arrows/Capquest/Resolvecall re: a statue barred SLC Loan **confirmed SB'd**

[franila]

Hello there, 

 

I am just after a little bit of advice please.

 

In February out of the blue I received a letter from Capquest informing me they were now managing my Student Loans Company account on behalf of Erudio Student Loans Limited, they also included a letter from/on behalf of Erudio notifying me of a 'Change of Agency Notification'. 

 

They sent a follow up letter at the beginning of March stating that their records indicate there is currently not a repayment plan in place on my account. They then sent a further letter at the end of March informing me that despite their attempts to speak with me they do not have defined solution for the repayment of the account, therefore they would shortly be instructing Resolvecall Limited to visit my property.

 

At the beginning of April I received a letter from Resolvecall informing me that they would be making a personal visit to my home. Yesterday they visited my property and spoke with my wife (I was at work). After reading various forums I have ignored all correspondence with the above but now after a 'visit' feel intimidated somewhat.

 

I started studying in 1997 so the loan account they refer to is a mortgage style student loan. If I remember correctly, when I finished my course I deferred a couple of times initially and then went travelling etc. and had no further contact with the Student Loans Company for a number of years.

 

Upon returning to the UK and starting to work, I set up a small standing order to pay some of the loan but then stopped this in March 2014.

I have not contacted the Student Loans Company in over 10 years probably more, and have never had any dealings with Erudio at all, and as mentioned my last payment to the account was in March 2014.

 

Am I correct in the fact that the debt is now statute barred? 

Should I send a standard statue barred letter to Capquest or should I not engage at all?

 

Thank you for taking the time to read this post and any advice would be most welcome.

[franila]

Thank you

[franila]

Thank you @London1971 fortunately I don’t think I have had a backdoor CCJ. My credit file has never shown one?

[franila]

@London1971 @dx100uk Thanks guys! I sent the SB letter to both Capquest and Resolvecall and received a response from Resolvecall today informing me that they have returned the account to their client and would no longer be dealing with my account.

[franila]

Thanks @dx100uk  I will keep an eye on things

 

[franila]

Today I received a letter from Arrow Global confirming that my account has been closed as a result of being statute barred, and that I will not be pursued for the remaining balance. Too good to be true?