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 DRN9942403
11 Jun 2018 Erudio Student Loans Limited UpheldBanking and creditMrs H has complained Erudio Student Loans Limited is asking her to repay loans which she doesn’t believe she owes any longer.backgroundMrs H had three student loans which she took out in 1997, 1998 and 2000. These loans were transferred to Erudio in 2014 from the ... (5 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 DRN-2216432
13 Oct 2020 Erudio Student Loans Limited Not upheldConsumer CreditDRN-2216432 The complaint Miss P complains about the actions of Erudio Student Loans Limited after she attempted to defer her student loan repayments. What happened In October 2018, Miss P’s student loan referral period came to an end. Erudio sent her a deferment application form by post e... (3 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 DRN0367736
27 Sep 2019 Erudio Student Loans Limited Not upheldBanking and creditMiss M is unhappy with the service she’s received from Erudio Student Loans Limited (Erudio). backgroundMiss M has a student loan with Erudio. On 1 September 2018, Erudio wrote to Miss M to updated her on the status of her account. It also said that Miss M owed £160.16 in arrears, and on h... (2 pages)View decision -
Decision Reference DRN-5831256
24 Oct 2025 Capquest Debt Recovery Limited Not upheldConsumer CreditDRN-5831256 The complaint Mrs J complains that Capquest Debt Recovery Limited trading as Erudio Student Loans (Erudio) terminated her student loan account and didn’t contact her about deferment. What happened Mrs J took out a student loan many years ago. She had previously deferred rep... (4 pages)View decision -
Decision Reference DRN0524249
10 Nov 2015 Erudio Student Loans Limited UpheldBanking and creditMr C complains Erudio Student Loans Limited didn’t accept his application to defer his loan repayments when it should have done.backgroundMr C has student loans which he took out in the 1990s.These loans are now administered by Erudio Student Loans (“Erudio”).In 2014 Mr ... (2 pages)View decision -
Decision Reference DRN6248232
20 May 2015 Erudio Student Loans Limited Not upheldBanking and creditMs B complains about the way Erudio handled her application to defer her student loan repayments. backgroundMs B says; she sent Erudio all the proof of income it needed to process her application, but it continued to ask for more information. Erudio delayed reque... (2 pages)View decision