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-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 DRN-6212049
18 Mar 2026 Capquest Debt Recovery Limited Not upheldConsumer CreditDRN-6212049 The complaint Ms R complains Capquest Debt Recovery Limited trading as Erudio Student Loans haven’t treated her fairly regarding a deferment of her student loan in 2022. What happened Ms R has a student loan serviced by Erudio. The way the loan works is it can be deferred – ... (3 pages)View decision -
Decision Reference DRN6888555
17 Jun 2016 Erudio Student Loans Limited Not upheldBanking and creditMr A complains that Erudio Student Loans Limited didn’t contact him when it took over his student loan.backgroundMr A’s account was transferred to Erudio by the original loan provider in March 2014. Mr A says he received correspondence from the original loan provi... (2 pages)View decision -
Decision Reference DRN-4951715
10 Sep 2024 Erudio Student Loans Limited Not upheldConsumer CreditDRN-4951715 The complaint Mr S complains that Erudio Student Loans Limited unfairly terminated his student loan account. Mr S wants Erudio to reinstate his loans. What happened Mr S had mortgage style student loans which Erudio bought from the original lender. Mr S had successfully defe... (3 pages)View decision -
Decision Reference DRN1576059
22 Feb 2016 Erudio Student Loans Limited Not upheldBanking and creditMr and Mrs M have complained about Erudio Student Loans Limited’s actions in respect of their student loans.backgroundMr and Mrs M had student loans with a third party. These were later assigned to Erudio. Mr and Mrs M have complained about a number of aspects about ... (2 pages)View decision -
Decision Reference DRN7234078
14 Mar 2017 Erudio Student Loans Limited Not upheldBanking and creditMrs T complains that Erudio Student Loans Limited has made a mistake in not deferring her loan. She brings this complaint through her representative – Mr B – but for ease, I will refer to all submissions as if made by Mrs T.backgroundMrs T says she correctly a... (2 pages)View decision -
Decision Reference DRN8210572
7 Feb 2020 Erudio Student Loans Limited UpheldBanking and creditMs C complains Erudio Student Loans Limited failed to defer her loan causing her account to fall into arrears and resulting in her being refused further student funding.backgroundMs C had a student loan, on which she’d successfully deferred repayments each year. In 2013, shortly before Eru... (3 pages)View decision -
Decision Reference DRN2459674
9 Dec 2015 Erudio Student Loans Limited UpheldBanking and creditMiss M complains that Erudio Student Loans Limited has unfairly added arrears to her loan. backgroundMiss M took a loan with Erudio’s predecessor. She says she notified the predecessor company of her change of address and was told that she would be contacted by Erudi... (2 pages)View decision -
Decision Reference DRN-1657083
12 Oct 2020 Erudio Student Loans Limited Not upheldConsumer CreditDRN-1657083 The complaint Mr R complains on behalf of his daughter Mrs G that Erudio Student Loans Limited has incorrectly refused a deferment of Mrs G’s student loan repayments. What happened Mr R applied for a deferment of Mrs G’s student loan repayments in September 2018. This applicati... (2 pages)View decision -
Decision Reference DRN2553965
16 Jan 2020 Erudio Student Loans Limited Not upheldBanking and creditMs F complains that Erudio Student Loans Ltd (Erudio) didn’t defer her student loan repayments following her 2015 application.backgroundMs F complained to Erudio in April 2015 about its handling of her student loan defermentapplication. Erudio sent her two final response letters (FRL) in M... (3 pages)View decision