We make decisions based on what we think is fair and reasonable, accounting for the unique circumstances of each case we receive. We anonymise our decisions and write them in a way that prevents the person or small business complaining from being identified.
This database holds all the final decisions we’ve published since 1 April 2013 under the Financial Services and Markets Act 2000, as amended by the Financial Services Act 2012.
Your search returned 271 results
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Decision Reference DRN-5619506
12 Jun 2025 Capquest Debt Recovery Limited UpheldConsumer CreditDRN-5619506 The complaint Miss M complains Capquest Debt Recovery Ltd trading as Erudio Student Loans failed to correctly defer her student loans, leading to arrears outstanding. What happened I issued a provisional decision setting out what’d happened, and what I thought about that. I’... (4 pages)View decision -
Decision Reference DRN1469045
1 Feb 2019 Erudio Student Loans Limited Not upheldBanking and creditMr B complains that Erudio Student Loans Limited hasn’t accepted his deferment application for his loan. backgroundErudio contacted Mr B in 2016 to explain his latest deferment period on his loan was coming to an end. Mr B didn’t complete a new deferment applicatio... (3 pages)View decision -
Decision Reference DRN-1656957
25 Sep 2020 Erudio Student Loans Limited Not upheldConsumer CreditDRN-1656957The complaintMr Q complains that following the settlement of his account, Erudio Student Loans Limited wrote to him about a missed direct debit and stated that he had an account balance of £506. What happenedMr Q took out 3 student loans in 1997,1998 and 1999 which he was repayi... (3 pages)View decision -
Decision Reference DRN1733333
22 Dec 2016 Erudio Student Loans Limited Not upheldBanking and creditMiss B complains that Erudio Student Loans Limited hasn’t written off enough of the arrears on her loan accounts.backgroundI set out the background to Miss B’s complaint in my provisional decision. In it, I said that I accepted that Miss B had told Erudio about he... (3 pages)View decision -
Decision Reference DRN-5369016
4 Mar 2025 Erudio Student Loans Limited UpheldConsumer CreditDRN-5369016 The complaint Miss L complains Erudio Student Loans Limited didn’t contact her using an appropriate method so she could apply for a deferment on her student loan. What happened I issued a provisional decision setting out what’d happened, and what I thought about that. I’ve c... (3 pages)View decision -
Decision Reference DRN-3269982
24 Jan 2022 Erudio Student Loans Limited Not upheldConsumer CreditDRN-3269982 The complaint Mr S complains about a loan he had with Erudio Student Loans Limited. What happened Mr S took out a student loan in around 1995. Mr S says he has never met the income threshold to repay the loan and so each year he deferred the loan repayments. Mr S says that in O... (3 pages)View decision -
Decision Reference DRN0367736
27 Sep 2019 Erudio Student Loans Limited Not upheldBanking and creditMiss M is unhappy with the service she’s received from Erudio Student Loans Limited (Erudio). backgroundMiss M has a student loan with Erudio. On 1 September 2018, Erudio wrote to Miss M to updated her on the status of her account. It also said that Miss M owed £160.16 in arrears, and on h... (2 pages)View decision -
Decision Reference DRN0524249
10 Nov 2015 Erudio Student Loans Limited UpheldBanking and creditMr C complains Erudio Student Loans Limited didn’t accept his application to defer his loan repayments when it should have done.backgroundMr C has student loans which he took out in the 1990s.These loans are now administered by Erudio Student Loans (“Erudio”).In 2014 Mr ... (2 pages)View decision -
Decision Reference DRN-1880745
19 Oct 2020 Erudio Student Loans Limited Not upheldBanking and PaymentsDRN-1880745 The complaint Mr O complains that Erudio Student Loans Limited (Erudio) failed to make adequate attempts to contact him regarding the deferment of his student loans, defaulted them and sought repayment. He would like the loans to be deferred. What happened Mr O had student loan... (3 pages)View decision -
Decision Reference DRN0346237
9 Dec 2016 Erudio Student Loans Limited UpheldBanking and creditMiss G complains that Erudio Student Loans Limited (“Erudio”) is pursuing her for arrears on her student loans. She says she wasn’t sent a form to let her defer them. So Erudio should write off the arrears.backgroundMiss G has two student loans. She had deferred p... (2 pages)View decision