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 270 results
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Decision Reference DRN4896917
19 Aug 2015 Erudio Student Loans Limited Not upheldBanking and creditMr T has complained Erudio Student Loans Limited didn’t tell him he’d got arrears and then couldn’t be clear what arrears he had.background Mr T got in touch with Erudio as he understood being 50 he could get the outstanding balance of his loan written off. Erudio t... (2 pages)View decision -
Decision Reference DRN-5831256
24 Oct 2025 Capquest Debt Recovery Limited Not upheldConsumer CreditDRN-5831256 The complaint Mrs J complains that Capquest Debt Recovery Limited trading as Erudio Student Loans (Erudio) terminated her student loan account and didn’t contact her about deferment. What happened Mrs J took out a student loan many years ago. She had previously deferred rep... (4 pages)View decision -
Decision Reference DRN6248232
20 May 2015 Erudio Student Loans Limited Not upheldBanking and creditMs B complains about the way Erudio handled her application to defer her student loan repayments. backgroundMs B says; she sent Erudio all the proof of income it needed to process her application, but it continued to ask for more information. Erudio delayed reque... (2 pages)View decision -
Decision Reference DRN-5865841
22 Jan 2026 Capquest Debt Recovery Limited Not upheldConsumer CreditDRN-5865841 The complaint Mrs B complains that Capquest Debt Recovery Limited trading as Erudio terminated her student loan account unfairly. What happened Mrs B took out a student loan many years ago – the loans were originally taken out with a lender I’ll refer to as “S”. In 2014, t... (4 pages)View decision -
Decision Reference DRN1976374
29 May 2018 Erudio Student Loans Limited Not upheldBanking and creditMr S complains that Erudio Student Loans Limited (“Erudio”) terminated his student loan account too abruptly and unfairly.background Mr S’s student loan was taken over by Erudio in 2014. At the time there were arrears on the account of about £1,800.Mr S successfully ... (3 pages)View decision -
Decision Reference DRN5446410
27 Nov 2018 Erudio Student Loans Limited Not upheldBanking and creditMiss F complains that Erudio Student Loans Limited failed to defer her loan in 2014.backgroundMiss F took out a number of student loans in or around 1993/94. She says she has never earned enough to be eligible to repay the loans and has deferred them each year.Mis... (3 pages)View decision -
Decision Reference DRN5390871
7 Aug 2019 Erudio Student Loans Limited Not upheldBanking and creditMr F complains that Erudio Student Loans Limited refused to defer repayment of his student loans.backgroundIn 2015 Mr F made his annual application to defer his student loans for another year. Erudio declined, because Mr F had provided only one pay slip and Erudio wanted three. His account... (3 pages)View decision -
Decision Reference DRN1618508
21 Dec 2016 Erudio Student Loans Limited Not upheldBanking and creditMr H complains that Erudio Student Loans Limited wouldn’t let him defer or write off his student loan.backgroundMr H has had a student loan since the 1990s. He deferred repaying it each year. He has psychiatric issues, and is on benefits. He is long-term unemployed.I... (3 pages)View decision -
Decision Reference DRN-3947042
21 Feb 2023 Erudio Student Loans Limited UpheldConsumer CreditDRN-3947042 The complaint Mrs S complains that Erudio Student Loans Limited unfairly terminated her loan agreement. What happened Mrs S had student loans with Erudio that were in arrears and subject to deferment. The deferment was due to end towards the end of June 2022. At the end of Apri... (2 pages)View decision -
Decision Reference DRN-5935854
2 Dec 2025 Capquest Debt Recovery Limited Not upheldConsumer CreditDRN-5935854 The complaint Miss R complains Capquest Debt Recovery Limited trading as Erudio Student Loans won’t reinstate her student loans on the original terms. What happened As I understand it Miss R has three student loans with Erudio. Every year, subject to certain criteria, she’s ... (5 pages)View decision