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Hi all!
First time posted, hope you don't mind me posting seeking a little advice/input!
I've had a bit of a battle relating to my student loans, and as a result I currently have a dispute with Erudio that's gone as far as them attempting a county court claim. I'll explain.
I've been deferring my student loans, like a lot of people, for many years on the basis of income. I'm a 90s student so it's the old style loans; one of them is with Erudio and one with Thesis.
I was self employed for many years and I would send my deferment form to my accountant to complete and dispatch. This worked great for a long time, but in 2016/2017 the Student Loan Company (hereafter the SLC) claimed they hadn't received a form I'd actually seen my accountant post. We tried again, same answer. Complained, eventually tried again, via registered post this time, they got that one. Complained, they backdated my arrears but only so far, leaving amounts "outstanding" with Erudio and Thesis. I wasn't happy with this, so I made complaints with both companies who quite fairly pointed me to the SLC. It took me a long while to actually get a useful answer from the SLC, but eventually after my accountant wrote to them to back me up they did agree to have the deferment backdated, effectively wiping out the debt.
This went fine for Thesis but Erudio had they say at this point terminated the account. They wouldn't backdate the arrears and kept chasing it, no matter how much I tried to explain the situation to them. I now find myself with a court claim. My position is unchanged - they'd been asked if they would backdate the arrears and Thesis did so, so what makes them different? I've got as far as filing a defense along those lines, with the letters from the SLC and my accountant included.
Dryden Fairfax have come back to me, with proceedings currently stayed, offering to sort out an agreement via a tomlin order. My current thoughts are that I'm in the right and to stick to my guns, but I just wanted to explain the situation to folks with a little more experience in the matter to get some opinions; the amount owed is, sadly, not sufficient to justify what a solicitor would cost me.
Could any of you legal beagles tell me if you think I'm doing the right thing? Happy to explain or expand where something might not be clear!!
First time posted, hope you don't mind me posting seeking a little advice/input!
I've had a bit of a battle relating to my student loans, and as a result I currently have a dispute with Erudio that's gone as far as them attempting a county court claim. I'll explain.
I've been deferring my student loans, like a lot of people, for many years on the basis of income. I'm a 90s student so it's the old style loans; one of them is with Erudio and one with Thesis.
I was self employed for many years and I would send my deferment form to my accountant to complete and dispatch. This worked great for a long time, but in 2016/2017 the Student Loan Company (hereafter the SLC) claimed they hadn't received a form I'd actually seen my accountant post. We tried again, same answer. Complained, eventually tried again, via registered post this time, they got that one. Complained, they backdated my arrears but only so far, leaving amounts "outstanding" with Erudio and Thesis. I wasn't happy with this, so I made complaints with both companies who quite fairly pointed me to the SLC. It took me a long while to actually get a useful answer from the SLC, but eventually after my accountant wrote to them to back me up they did agree to have the deferment backdated, effectively wiping out the debt.
This went fine for Thesis but Erudio had they say at this point terminated the account. They wouldn't backdate the arrears and kept chasing it, no matter how much I tried to explain the situation to them. I now find myself with a court claim. My position is unchanged - they'd been asked if they would backdate the arrears and Thesis did so, so what makes them different? I've got as far as filing a defense along those lines, with the letters from the SLC and my accountant included.
Dryden Fairfax have come back to me, with proceedings currently stayed, offering to sort out an agreement via a tomlin order. My current thoughts are that I'm in the right and to stick to my guns, but I just wanted to explain the situation to folks with a little more experience in the matter to get some opinions; the amount owed is, sadly, not sufficient to justify what a solicitor would cost me.
Could any of you legal beagles tell me if you think I'm doing the right thing? Happy to explain or expand where something might not be clear!!
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