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Hi all,
This is my first post on your awesome site.
I have been reading posts for two solid days, could not quite find the answers I was looking for.
Regarding my Old Style Student Loans (1993,94 & 95).
Between 1996 and 2012 either successfully deferred or correct payments made.
The last payment I made was in 2012.
Deferment applied for in late 2012.
All forms, statements, evidence sent to Student Loans Company. Sadly I have no proof of this.
Thought nothing more of it. Did not get a refusal of deferment so assumed all ok.
In 2015 I get a NOTICE OF SUMS IN ARREARS from Erudio.
Having spoken with Erudio they told me that my Loans were Terminated in December 2014, then passed to Capquest.
Erudio said that without any proof of me sending in my application to the Student Loans Company to defer, there was nothing they could do.
Erudio still send annual statements.
Capquest send emails and texts advising me to use their portal which does not work.
They have sent two settlement offers, the best one being a 70% reduction in 2017.
The Loan total amount is £1,156.52.
I have had no paperwork from Capquest since 2019.
Erudio have my correct address so there is no pile of unopened letters at a previous address.
I have options but which ones would you now advise and in which order should I do them?
A kind contact from this site said I may have a case for an UNFAIR RELATIONSHIP with Erudio as the loan should have been marked as deferred back in 2014 when they took it on?
I have read advice about asking for a Subject Access Report - who from in my case?
Erudio - or can you ask for one from Student Loans Company? Or both?
No payments have been made since 2012 as stated, and I have not written to Capquest 'admitting' liability for the debt. I may have called them once - cant be certain.
Both the 25 year loan limit and me reaching 50 years old have now happened
- but as I have read this does not apply to my loan in the state it is now.
Should I send the STATUTE BARRED template letter first to Capquest?
Or first try to prove the loan was deferred when Erudio took it on?
Again I am unclear if its even possible to backdate deferment, or even worth telling Erudio I will take this matter further, etc.
At no point has any paperwork from Erudio or Capquest mentioned 'Further Action'.
With regards to the Statute Barring, am I right in saying the DEFAULT date is the date of the Erudio Loan Termination which as mentioned is Dec 2014 or is it the date which appears on the DEFAULT NOTICE - which I do not have - hence should I ask for the Subject Access Report first?
I hope I have included all the relevant details here for you to be able to comment.
Many many thanks in advance.
Grandis
This is my first post on your awesome site.
I have been reading posts for two solid days, could not quite find the answers I was looking for.
Regarding my Old Style Student Loans (1993,94 & 95).
Between 1996 and 2012 either successfully deferred or correct payments made.
The last payment I made was in 2012.
Deferment applied for in late 2012.
All forms, statements, evidence sent to Student Loans Company. Sadly I have no proof of this.
Thought nothing more of it. Did not get a refusal of deferment so assumed all ok.
In 2015 I get a NOTICE OF SUMS IN ARREARS from Erudio.
Having spoken with Erudio they told me that my Loans were Terminated in December 2014, then passed to Capquest.
Erudio said that without any proof of me sending in my application to the Student Loans Company to defer, there was nothing they could do.
Erudio still send annual statements.
Capquest send emails and texts advising me to use their portal which does not work.
They have sent two settlement offers, the best one being a 70% reduction in 2017.
The Loan total amount is £1,156.52.
I have had no paperwork from Capquest since 2019.
Erudio have my correct address so there is no pile of unopened letters at a previous address.
I have options but which ones would you now advise and in which order should I do them?
A kind contact from this site said I may have a case for an UNFAIR RELATIONSHIP with Erudio as the loan should have been marked as deferred back in 2014 when they took it on?
I have read advice about asking for a Subject Access Report - who from in my case?
Erudio - or can you ask for one from Student Loans Company? Or both?
No payments have been made since 2012 as stated, and I have not written to Capquest 'admitting' liability for the debt. I may have called them once - cant be certain.
Both the 25 year loan limit and me reaching 50 years old have now happened
- but as I have read this does not apply to my loan in the state it is now.
Should I send the STATUTE BARRED template letter first to Capquest?
Or first try to prove the loan was deferred when Erudio took it on?
Again I am unclear if its even possible to backdate deferment, or even worth telling Erudio I will take this matter further, etc.
At no point has any paperwork from Erudio or Capquest mentioned 'Further Action'.
With regards to the Statute Barring, am I right in saying the DEFAULT date is the date of the Erudio Loan Termination which as mentioned is Dec 2014 or is it the date which appears on the DEFAULT NOTICE - which I do not have - hence should I ask for the Subject Access Report first?
I hope I have included all the relevant details here for you to be able to comment.
Many many thanks in advance.
Grandis
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