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-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 DRN4248455
14 Feb 2017 Erudio Student Loans Limited Not upheldBanking and creditMr M complains that Erudio Student Loans Limited has acted incorrectly in defaulting his loan accounts and asking him to make repayments to it. backgroundMr M took out several student loans with Erudio’s predecessor, “S”, a limited company.Under the terms and conditio... (4 pages)View decision -
Decision Reference DRN-2545199
19 Mar 2021 Erudio Student Loans Limited UpheldConsumer CreditDRN-2545199 The complaint Mr G complains that Erudio Student Loans Limited (“Erudio”) has refused to backdate the deferral of payments towards his student loan fairly. What happened Mr G made an application to defer payments towards his student loan, which expired on 14 May 2019. He contac... (3 pages)View decision -
Decision Reference DRN3144521
17 Mar 2015 Erudio Student Loans Limited Not upheldBanking and creditMiss Z has complained that Erudio Student Loans Limited would not accept her application to defer her student loan, and then didn’t deal with her complaint properly.background Miss Z has two student loans and got in touch with Erudio last year to defer these for a furt... (2 pages)View decision -
Decision Reference DRN-5795600
24 Sep 2025 Capquest Debt Recovery Limited UpheldConsumer CreditDRN-5795600 The complaint Mr S complains Capquest Debt Recovery Limited trading as Erudio Student Loans (Erudio) unfairly refused to defer his student loans leading to serious issues. What happened Mr S has five student loans with Erudio – all grouped under one account – so I’ll mainly ... (5 pages)View decision -
Decision Reference DRN-5678866
10 Sep 2025 Capquest Debt Recovery Limited UpheldConsumer CreditDRN-5678866 The complaint Ms H complains Capquest Debt Recovery Limited trading as Erudio Student Loans (Erudio) haven’t written off her student loan when she thinks they should have. What happened Ms H holds a student loan with Erudio. Each year she’s required to fill in a deferment ap... (4 pages)View decision -
Decision Reference DRN8499782
25 Nov 2015 Erudio Student Loans Limited Not upheldBanking and creditMr M has complained Erudio Student Loans Limited won’t accept his application form which he completed to defer payments on his student loan for 2015/16.backgroundMr M applied to defer his student loan for the 2015/16 period. He was unhappy about the form Erudio wanted ... (2 pages)View decision -
Decision Reference DRN-2586541
9 Mar 2021 Erudio Student Loans Limited UpheldConsumer CreditDRN-2586541 The complaint Miss P complains that Erudio Student Loans Limited didn’t update her address and gave her misleading information when she called it. What happened Miss P says she spoke to Erudio to change her address. She says she was told during that call that her account would ... (2 pages)View decision -
Decision Reference DRN-3827444
7 Jan 2023 Erudio Student Loans Limited Not upheldConsumer CreditDRN-3827444 The complaint Mrs P complains that Erudio Student Loans Limited terminated her account after she’d sent a deferment application. What happened Mrs P has three student loans. She has deferred payment year on year because of low income. Mrs P says she received her deferment appli... (2 pages)View decision -
Decision Reference DRN1870309
14 Feb 2017 Erudio Student Loans Limited UpheldBanking and creditMr B has complained Erudio Student Loans Limited didn’t deal with his deferral request properly and then pressured him to pay off his arrears.backgroundMr B lives overseas. He’d regularly got his three student loans deferred. When Erudio took over management of his loans,... (4 pages)View decision