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 262 results
-
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 DRN0948639
26 Jun 2015 Erudio Student Loans Limited Not upheldBanking and creditMrs P complains about the way Erudio Student Loans Limited has handled her application to defer repayment of her loans. She also says that it failed to provide the level of customer services that it should have. background Mrs P took out three student loans taken with ... (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 DRN8720800
4 Feb 2016 Erudio Student Loans Limited UpheldBanking and creditMr R complains that Erudio Student Loans Limited pursued him for a debt that was time barred.backgroundMr R had a student loan which Erudio bought from the original lender. Erudio wrote to him requesting payment, despite the fact that the debt was time barred. Mr R say... (2 pages)View decision -
Decision Reference DRN3621595
2 Jun 2015 Erudio Student Loans Limited UpheldBanking and creditMr M complains that Erudio Student Loans Limited has declined to process his request to defer his loan repayments.Further he complains it acted inappropriately in seeking to recover the debt from him.He also considers it failed to provide the level of customer serv... (3 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 DRN3513682
17 Feb 2017 Erudio Student Loans Limited UpheldBanking and creditMs B has complained about how Erudio Student Loans Limited dealt with her deferral application and her complaint. She’s upset about feeling harassed by them.background Ms B applied to have her student loans deferred. She provided evidence to show she wasn’t earning ... (3 pages)View decision -
Decision Reference DRN6058011
6 Dec 2019 Erudio Student Loans Limited Not upheldBanking and creditMr P complains that Erudio Student Loans Limited (Erudio) did not allow him to defer his student loan and failed to record a change of his address.backgroundMr P had a student loan administered by Erudio. In 2014 Mr P successfully applied to Erudio to defer his loan as he was self-employed... (3 pages)View decision
