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 DRN7873364
6 Oct 2015 Erudio Student Loans Limited UpheldBanking and creditMiss S complains about the way Erudio Student Loans Limited handled her student loan account.backgroundMiss S is unhappy with the way Erudio handled her deferment application and the way it dealt with her complaint. Our adjudicator thought the complaint should be par... (3 pages)View decision -
Decision Reference DRN-2888629
5 Jul 2021 Erudio Student Loans Limited UpheldConsumer CreditDRN-2888629 The complaint Ms M complains that Erudio Student Loans Limited didn’t defer repayments on her loan accounts. What happened Ms M had three student loans. She took out the first loan in 1994 and then a further loan in each of the two subsequent years. She says she was entitled to... (10 pages)View decision -
Decision Reference DRN2417315
23 Feb 2016 Erudio Student Loans Limited UpheldBanking and creditMs M complains that Erudio Student Loans Limited didn’t defer her loan even though she sent it the correct information.backgroundMs M’s deferment was due by July 2015. But Erudio didn’t accept her April 2015 application. Erudio says it’s because it made a mistake s... (2 pages)View decision -
Decision Reference DRN-6089197
19 Jan 2026 Capquest Debt Recovery Limited UpheldConsumer CreditDRN-6089197 The complaint Mr A complains Capquest Debt Recovery Limited trading as Erudio Student Loans Limited didn’t process his deferment application in January 2025. What happened Mr A has a student loan with Erudio. Subject to certain criteria, every year he’s able to defer making ... (2 pages)View decision -
Decision Reference DRN4474962
19 Aug 2016 Erudio Student Loans Limited UpheldBanking and creditMrs P’s complaint is that Erudio Student Loans Limited (“Erudio”) is pursuing her for loan arrears when she’s eligible for a write-off.backgroundIn 1995 Mrs P took a £3,000 student loan. However, since graduating she’s never been earning enough to repay it, so she de... (2 pages)View decision -
Decision Reference DRN4296480
14 Mar 2016 Erudio Student Loans Limited Not upheldBanking and creditMr K complains that Erudio Student Loans Limited wrongly refused to apply a repayment deferment to his loan account.backgroundMr K has a student loans account with Erudio. He applied for a deferment of repayments, sending in an application form and also providing a sep... (2 pages)View decision -
Decision Reference DRN0597573
7 May 2015 Erudio Student Loans Limited UpheldBanking and creditMiss C complains that Erudio Student Loans Limited mismanaged her student loan accounts. In particular she is concerned about the communications she received during her deferment period. background In summary Miss C says that Erudio; sent her contradicting letters abou... (3 pages)View decision -
Decision Reference DRN6073872
10 Aug 2018 Erudio Student Loans Limited UpheldBanking and creditMr L believes the arrears on his loan account with Erudio Student Loans Limited are incorrect. He’s also unhappy that Erudio has been chasing him for payment.background Mr L had a student loan administered by Erudio. The terms and conditions of this loan allowed repayme... (3 pages)View decision -
Decision Reference DRN3853293
28 Jun 2017 Erudio Student Loans Limited Not upheldBanking and creditMr B complains that Erudio Student Loans Limited has acted incorrectly when assessing his application to defer making repayments to his loan. He suggests he hasn’t made repayments to it because he doesn’t have to. But despite this, Erudio has now defaulted his loa... (3 pages)View decision -
Decision Reference DRN2106922
27 Jan 2020 Erudio Student Loans Limited Not upheldBanking and creditMiss T complains that Erudio Student Loans Limited (“Erudio”) failed to defer payments towards her student loan and instead defaulted the account. She’s upset that she’s now being asked to pay the outstanding balance and that she’s no longer entitled to have the loan written off at age 50.... (3 pages)View decision