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-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 DRN-3786928
21 Dec 2022 Erudio Student Loans Limited Not upheldConsumer CreditDRN-3786928 The complaint Mr K complains that Erudio Student Loans Limited (‘Erudio’) tampered with documentation relating to his student loans. What happened Mr K complained to Erudio about a number of issues about the deferment and repayment of his student loans that were taken out betwe... (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 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 -
Decision Reference DRN1390138
9 Mar 2018 Erudio Student Loans Limited Not upheldBanking and creditMr H complains about the arrears which have accrued on his student loan with Erudio Student Loans Limited. backgroundAccording to Erudio, the loan is in arrears by about £1,000, but Mr H says he applied to defer his loan payments, so there shouldn’t be any arrears. M... (3 pages)View decision -
Decision Reference DRN-5865841
22 Jan 2026 Capquest Debt Recovery Limited Not upheldConsumer CreditDRN-5865841 The complaint Mrs B complains that Capquest Debt Recovery Limited trading as Erudio terminated her student loan account unfairly. What happened Mrs B took out a student loan many years ago – the loans were originally taken out with a lender I’ll refer to as “S”. In 2014, t... (4 pages)View decision -
Decision Reference DRN-3663923
8 Nov 2022 Erudio Student Loans Limited Not upheldConsumer CreditDRN-3663923 The complaint Mr O is unhappy that Erudio Student Loans Limited declined his deferment application for his student loan. What happened Mr O held a student loan with Erudio. Mr O also holds other student loans with another company. Because of the shared nature of his overall stu... (3 pages)View decision -
Decision Reference DRN5446410
27 Nov 2018 Erudio Student Loans Limited Not upheldBanking and creditMiss F complains that Erudio Student Loans Limited failed to defer her loan in 2014.backgroundMiss F took out a number of student loans in or around 1993/94. She says she has never earned enough to be eligible to repay the loans and has deferred them each year.Mis... (3 pages)View decision -
Decision Reference DRN5390871
7 Aug 2019 Erudio Student Loans Limited Not upheldBanking and creditMr F complains that Erudio Student Loans Limited refused to defer repayment of his student loans.backgroundIn 2015 Mr F made his annual application to defer his student loans for another year. Erudio declined, because Mr F had provided only one pay slip and Erudio wanted three. His account... (3 pages)View decision