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 DRN-3601977
18 Jul 2022 Erudio Student Loans Limited UpheldConsumer CreditDRN-3601977 The complaint Miss M has complained that Erudio Student Loans Limited defaulted her accounts after writing to the wrong address. What happened Miss M has two mortgage-style student loans with Erudio. Certain aspects of them, such as deferment, have been managed by the Student L... (4 pages)View decision -
Decision Reference DRN9105357
22 Nov 2016 Erudio Student Loans Limited UpheldBanking and creditMs P complains that Erudio Student Loans Limited (Erudio) has applied arrears to her student loan account when in fact she had applied to defer repayment. backgroundMs P had three student loans going back to 1997 with a previous student loan provider which were taken... (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-3629000
5 Sep 2022 Erudio Student Loans Limited UpheldConsumer CreditDRN-3629000 The complaint Mr D complains that Erudio Student Loans Limited closed and defaulted his student loans after he missed a deferment application. What happened Mr D took out student loans in 1995 and 1996. The loans became payable in 1999 and Mr D has completed deferment applicati... (2 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-4151707
7 Jul 2023 Erudio Student Loans Limited UpheldConsumer CreditDRN-4151707 The complaint Miss D complains about the way Erudio Student Loans Limited has handled her accounts with it. What happened Miss D has four student loans with Erudio. The loans were taken out in subsequent years starting in 1999 and ending in 2002. All of the loans are still acti... (4 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 DRN0950892
13 May 2019 Erudio Student Loans Limited UpheldBanking and creditMr M complains that Erudio Student Loans Limited has defaulted two of his student loans. backgroundMr M said that he’d had many years of deferment of his student loans, without any problems. He said that he met the eligibility criteria for deferment, because of his... (4 pages)View decision