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 DRN5037928
15 Mar 2017 Erudio Student Loans Limited Not upheldBanking and creditMiss C complains that Erudio Student Loans Limited ignored her request to defer payment on her loan. backgroundMiss C says she sent Erudio deferment application forms as she couldn’t afford to make the repayments on her loan. She is now in arrears and Erudio has a... (2 pages)View decision -
Decision Reference DRN2019713
26 May 2020 Erudio Student Loans Limited Not upheldBanking and creditMr F complains because Erudio Student Loans Limited have kept information about a loan that was taken out in his name. He also complains that Erudio have passed this information to credit reference agencies.backgroundIn the mid to late 1990’s, three separate student loans were taken out in... (5 pages)View decision -
Decision Reference DRN-3086079
13 Dec 2021 Erudio Student Loans Limited UpheldConsumer CreditDRN-3086079 The complaint Mrs A has complained about the way Erudio Student Loans Limited handled her deferral application and terminated her account. What happened In 2018, Mrs A applied for a deferral on her student loan. Erudio asked for further evidence surrounding her income, such as ... (3 pages)View decision -
Decision Reference DRN5281098
26 Jan 2018 Erudio Student Loans Limited Not upheldBanking and creditMr F complains Erudio Student Loans Limited didn’t complete his change of address correctly - which meant he didn’t receive a repayment deferment form so his repayments weren’t deferred. As a result, Erudio treated his loan as being in arrears. backgroundMr F had a ... (3 pages)View decision -
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 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 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 DRN8581622
30 Jan 2017 Erudio Student Loans Limited UpheldBanking and creditMr M is unhappy that Erudio Student Loans Company (Erudio) is processing his student loans under two different accounts.backgroundIn November 2013, Erudio took over Mr M’s student loans from another provider. Mr M had ten loans in total, but the previous provider dealt ... (4 pages)View decision