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 DRN2128577
14 Aug 2015 Erudio Student Loans Limited UpheldBanking and creditMr W complains about various aspects of the way in which Erudio Student Loans Limited administered his account.Mr W is represented by his mother, Mrs W, in referring his complaint.background It’s accepted by all parties as to where the administration of the account h... (2 pages)View decision -
Decision Reference DRN-2545199
19 Mar 2021 Erudio Student Loans Limited UpheldConsumer CreditDRN-2545199 The complaint Mr G complains that Erudio Student Loans Limited (“Erudio”) has refused to backdate the deferral of payments towards his student loan fairly. What happened Mr G made an application to defer payments towards his student loan, which expired on 14 May 2019. He contac... (3 pages)View decision -
Decision Reference DRN-3827444
7 Jan 2023 Erudio Student Loans Limited Not upheldConsumer CreditDRN-3827444 The complaint Mrs P complains that Erudio Student Loans Limited terminated her account after she’d sent a deferment application. What happened Mrs P has three student loans. She has deferred payment year on year because of low income. Mrs P says she received her deferment appli... (2 pages)View decision -
Decision Reference DRN-5678866
10 Sep 2025 Capquest Debt Recovery Limited UpheldConsumer CreditDRN-5678866 The complaint Ms H complains Capquest Debt Recovery Limited trading as Erudio Student Loans (Erudio) haven’t written off her student loan when she thinks they should have. What happened Ms H holds a student loan with Erudio. Each year she’s required to fill in a deferment ap... (4 pages)View decision -
Decision Reference DRN2459959
18 Feb 2015 Erudio Student Loans Limited UpheldBanking and creditMrs A complains that Erudio Student Loans Limited has treated her unfairly. She considers: It was wrong to refuse her application to defer her loan repayments. It made a mistake when it did not follow her instructions about setting up her direct debt. And it has provided poor cus... (2 pages)View decision -
Decision Reference DRN2270305
12 Sep 2019 Erudio Student Loans Limited Not upheldBanking and creditMiss T has complained that Erudio Student Loans Limited failed to send her a deferment application for her student loans. As a result, Miss T didn’t defer her loans and Erudio has requested repayment. backgroundMiss T has two student loans. In view of her income levels, she had been deferr... (2 pages)View decision -
Decision Reference DRN-5795600
24 Sep 2025 Capquest Debt Recovery Limited UpheldConsumer CreditDRN-5795600 The complaint Mr S complains Capquest Debt Recovery Limited trading as Erudio Student Loans (Erudio) unfairly refused to defer his student loans leading to serious issues. What happened Mr S has five student loans with Erudio – all grouped under one account – so I’ll mainly ... (5 pages)View decision -
Decision Reference DRN0746436
30 Jan 2017 Erudio Student Loans Limited Not upheldBanking and creditMr T complains that Erudio Student Loans Limited failed to warn him that arrears were accruing on his account and refused his request to remove the arrears.background Mr T had three student loans with the Student Loan Company (“SLC”). In early 2014 Erudio took over t... (2 pages)View decision -
Decision Reference DRN3024318
19 Jan 2016 Erudio Student Loans Limited UpheldBanking and creditMr E complains that Erudio Student Loans Limited didn’t defer his student loan repayments.backgroundMr E took out three student loans in the 1990s, one for each of his three years of study. After that he sent the lender an application form each year to have his r... (2 pages)View decision -
Decision Reference DRN-3417829
5 Apr 2022 Erudio Student Loans Limited Not upheldConsumer CreditDRN-3417829 The complaint Mr F complains that Erudio Student Loans Limited wrongly took a payment towards his student loan, even though payments were deferred. It won’t explain how the error occurred or guarantee that it won’t happen again. What happened There is no real dispute about the ... (2 pages)View decision