Student loan demands pile up 15 years after tenants moved

MrsL.C.writes: I bought my house in 1999. Previous tenants left owing money to everyone possible. Their children went to university but have not repaid student loans, and every few months I have received demands, which I have returned, saying they are no longer at my address.

Erudio Student Loans Limited has now taken over this debt. I told it that the family left over 15 years ago, but Erudio said it would keep sending demands. I protested and was told they would stop, but after two weeks another has arrived. ERUDIO is a commercial business that took over from the old Student Loans Company, and the takeover has not been without hiccups. The company is strange. One director is another limited company that acts as an officer of a remarkable 1,349 businesses. The only human director is Mark Filer, who is an officer of 450 companies.

This may explain why he has not had time to file accounts due last September. This is an offence, and a couple of days from now Companies House will issue an official proposal to strike off Erudio. What would happen to outstanding student loans then is not clear, but the company’s credit licence from the Financial Conduct Authority would certainly disappear.

I asked Filer to comment. He did not respond, but a spokesman admitted Erudio’s accounts were outstanding. He blamed the Student Loans Company for passing on your address, and added: ‘We can assure you our system has now been updated.’ Erudio has sent you £50 for the nuisance caused.