Getting your deferment application form right. Use these notes to help you complete your student loan deferment application form

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1 Getting your deferment application form right Use these notes to help you complete your student loan deferment application form

2 If you need any help, please go to or call us on, alternatively, you can Page 2

3 About deferring your loan repayments What is deferment? Deferment is the process of postponing your Mortgage Style student loan repayments for the period of 12 months (or 36 months if you meet the criteria as a disabled customer). If you have a Mortgage Style Loan and you have a gross monthly income below the current deferment threshold you may be eligible to apply for deferment. The deferment threshold for the year from 1st September 2013 is 2,398 (equivalent to 28,775 per year). How to apply for deferment In order to defer your repayments you need to complete and return the application form and provide proof of your gross income or means of financial support. Only your income is taken into account you do not need to provide income details of your spouse, partner, parents or any other relatives. Your gross income is the amount you earn before any deductions (such as Income Tax or National Insurance) are taken from your pay. Use this guide to help you complete the application form, if you need any further advice, please call us on or visit our website at You will need to continue to make repayments until you receive confirmation in writing from us that your deferment has been accepted. If your deferment application is accepted and you are currently making repayments by Direct Debit, we will suspend your Direct Debit automatically for the period of your deferment. These notes are for guidance only and reflect the position at the time of writing. They do not affect any right of appeal. Completing the deferment application form You will have received this application form if your current deferment period is due to expire shortly, or because you have requested that we send you the form. Filling in this form This form must be completed in capital letters using black ink. Leave any tick box that does not apply to you blank, or enter Nil in any other non-tick box fields that do not apply to you. If you make a mistake, put a line through your entry and write the correct information underneath the box. You will also need Evidence of your income; or Evidence of your means of financial support. When you have completed this form, please make sure that you have signed and dated the declaration on page 6, and then return it to Erudio Student Loans Limited, PO BOX 580, Rotherham, S63 3FR. We may check the information that you provide with the information that is already on our records. This can include information provided by you, as well as other third party sources. For more information about completing the deferment form go to Page 3

4 1. Your Details Check that your contact details are correct Check that the details printed on the covering letter are correct. If there are any errors in this information you must update your details on page 1 of the application form. Please note that we may contact third parties to verify the accuracy of information provided and if you are found to have knowingly or recklessly given false information, criminal proceedings may be instituted against you. Omissions or misstatements may also result in civil proceedings against you. (a) Date of birth Enter your date of birth as shown on official documents such as a birth certificate or passport. If your date of birth differs from that held on our records, we will contact you to request a copy of one of these items in order to be able to update our records. Please write the date in the format dd mm yyyy (e.g. 01/12/1976) (b) National Insurance Number This will be on: your P60 certificate from your employer your PAYE Coding Notice your payslips from work Any letter from the Department for Work and Pensions, or Jobcentre Plus. If you can t give a National Insurance number your claim could be delayed. (c) Address status You must tick the relevant box to answer this question. Select Homeowner if you own your property, including if you have a mortgage on the property Select Tenant if you currently rent your property, either privately or otherwise. Select Other if you are currently living with family/friends without paying rent, in prison, long term hospital/care facility etc. For office use only [#LAccount] 1. Your details For identification verification purposes, please complete the following information. (a) Date of Birth (dd mm yyyy) (b) National Insurance number (c) Address status Homeowner Tenant Other (d) Please confirm that the name and address details on the covering letter to this form are correct. Yes No (If No, please complete section (e) below) (e) First name Surname Address line 1 Address line 2 Address line 3 County City Postcode If you have been living at your current address for less than three years, please provide details of your previous address. (f) Address line 1 Address line 2 (g) How long were you resident at this address? Address line 3 City Years County Postcode (!) Help If you need any help, please go to Please provide us with your contact details (in case we need to discuss this application or your loan account). (h) Contact number (daytime) (i) Contact number (evening) (j) Mobile Months (k) Page 4

5 (d) Please confirm that the name and address details on the covering letter to this form are correct You must answer this question by ticking the relevant box. (e) If the name and address shown on the covering lettering to this pack are incorrect, or if you are completing a blank form, please provide your up to date details here. Only enter your details in here if there is any incorrect information on page one. First Name If you have numerous first names, please provide as For many office use only as you can in the space available. Surname 1. Your details For identification verification purposes, please complete the following information. As shown on official documents such as a passport, birth certificate or marriage certificate. (a) Date of Birth (dd mm yyyy) (b) National Insurance number Address details (c) Address status This should be for your current address. Homeowner Tenant Other [#LAccount] (d) Please confirm that the name and address details on the covering letter to this form are correct. Yes No (If No, please complete section (e) below) (e) First name Surname Address line 1 Address line 2 Address line 3 County City Postcode If you have been living at your current address for less than three years, please provide details of your previous address. (f) If you have been living at this address for less than three years, please provide details of your (f) Address line 1 (g) How long were you previous address. resident at this address? Address line 2 Address line 3 City Years Months For office use only Enter the details of your previous address, this must [#LAccount] include, house name/number, street, town, County Postcode city, county and postcode. 1. Your details For Please identification provide us with verification your contact purposes, details please (in case complete we need to the discuss following this application information. your loan account). (g) How (h) (a) Contact Date long of Birth number were (dd (daytime) mm yyyy) you resident (i) Contact number at (evening) (b) this National address? Insurance (j) Mobile number Enter the number of years you lived at your previous address in the first box and the number of (k) (c) months Address status in the second box. Homeowner Tenant Other For example, you have lived at your current address for 2 years and 3 months, and you lived at (d) Please confirm that the name and address details on the covering letter to this form are correct. your previous address for 8 years and 6 months, you must enter 8 in the Years box and 6 in Yes No (If No, please complete section (e) below) the Months box. (e) First name (h/i/j) Your Surname contact telephone numbers Deferment Address application line 1 form Page 1 of 6 In case we need to discuss this application or your loan account. Address line 2 Address line 3 City Please provide us with phone numbers we can easily contact you on. This will allow us to contact County Postcode you quickly if we have any queries regarding your application. If you have been living at your current address for less than three years, please provide details of your previous address. (f) Address line 1 Address line 2 (g) How long were you resident at this address? Address line 3 City Years Months County Postcode Please provide us with your contact details (in case we need to discuss this application or your loan account). (h) Contact number (daytime) (i) Contact number (evening) (j) Mobile (k) Deferment application form Page 1 of 6 Page 5

6 2. Direct Debit Set Up Keeping your Direct Debit details current (whether your account is in deferment or not) is a requirement of your credit agreement, and not doing so is a breach of this agreement. For your peace of mind, all Direct Debit details and any payments made will be covered by the Direct Debit guarantee. If you do not have a bank account, then please state this in your deferment application. YOU MUST COMPLETE THIS INFORMATION IN ORDER FOR US TO PROCESS YOUR REQUEST If your deferment application is accepted, we will not take any Direct Debit payments from you while you are in deferment. (a) Do you hold a current account? Answer this question by ticking the appropriate box. A current account for the purposes of this form is an account which would be able to accept a Direct Debit instruction. If you don t have a current account, select No and please contact us to confirm next steps. 2. Direct Debit Set Up You are required to maintain a direct debit mandate for your repayments regardless as to whether your repayments are deferred. Failure to do this constitutes a breach of your agreement. (a) Do you hold a current account? Yes No (Please read and complete section below) (If No, please contact us to discuss alternative arrangements, otherwise you will be unable to successfully defer your account) Please provide Direct Debit details if your current details are no longer valid, or there is no Direct Debit in place on your account. (b) Direct Debit details INSTRUCTION TO YOUR BANK OR BUILDING SOCIETY TO PAY BY DIRECT DEBIT Name of account holder Name and full postal address of your bank or building Society Service user number Enter To: The Manager the name of the account Bank/building society holder exactly as it is shown on your bank or cash card, statement, passbook or cheque book. If it is a Reference joint account, make sure you enter both names. Address Account number FOR ERUDIO STUDENT LOANS OFFICIAL USE ONLY Postcode This is not part of the instruction to your bank or building society Your account number is usually eight digits and is shown on your bank or cash card, statements or Name(s) of account holder(s) cheque book. Please include any zeros for example, Bank/building society account number Instruction to your bank or building society Please pay Erudio Student Loans Direct debits from the account detailed in this instruction subject to the safeguards assured by Sort 2. Direct code Debit Set Up the Direct Debit Guarantee. I understand that this instruction may Branch You are sort required code to maintain a direct debit mandate for your repayments Enter the sort code shown on remain bank with Erudio regardless or Student cash Loans to whether card and, if so, your details repayments or statements will be passed from your bank or building society. are deferred. Failure to do this constitutes a breach of your agreement. electronically to my bank building society. (a) Do you hold a current account? Signature(s) If your account number is longer than eight digits, it may be because your account is with a building Yes (Please read and complete section below) Date society or bank that used to be a building society. No (If No, please contact us to discuss alternative arrangements, otherwise you will be unable to successfully defer your account) Sign and date the Direct Debit form or your deferment may be rejected. Please provide Direct Debit details if your current details are no longer valid, or there is no Direct Debit in place on your account. P Direct Debit Guarantee INSTRUCTION TO YOUR BANK OR This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date BUILDING or frequency of SOCIETY your Direct Debit, TO Erudio PAY Student BY Loans DIRECT will notify you DEBIT 10 working days in advance of your account being debited or as otherwise agreed. If you request Erudio Student Loans to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit, by Erudio Student Loans or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. Name If you and receive full a refund postal you address are not entitled of your to, you bank must or pay building it back when Society Erudio Student Service Loans asks user you to. number You can cancel a Direct Debit at any time by simply contacting your bank or building society. Written confirmation To: may The be Manager required. Please also notify Erudio Student Loans Bank/building of any cancellation. society Deferment application form Address Reference Page 2 of 6 Postcode FOR ERUDIO STUDENT LOANS OFFICIAL USE ONLY This is not part of the instruction to your bank or building society Name(s) of account holder(s) Bank/building society account number Branch sort code Instruction to your bank or building society Please pay Erudio Student Loans Direct debits from the account detailed in this instruction subject to the safeguards assured by the Direct Debit Guarantee. I understand that this instruction may remain with Erudio Student Loans and, if so, details will be passed electronically to my bank building society. Signature(s) Date Deferment P Direct application Debit Guarantee form guide This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit, Erudio Student Loans will notify you 10 working days in advance of your account being debited or as otherwise agreed. If you request Erudio Student Loans Page 6

7 3. Declaration of Income Tick the appropriate box if you are receiving income from these sources. You can tick more than one box if this is applicable. (a) Earnings from employment or self-employment You must tick this box if you receive earnings from employment or self-employment, including any statutory sick pay of 28 weeks or less, maternity or adoption leave of two weeks or less, additional paternity leave taken during the mother s maternity leave. If you have ticked this box you must complete section 4. Earnings from Employment. Income from investments and savings You must tick this box if you receive income from investments and savings, including any savings accounts, bonds, shares, stock etc. If you have ticked this box you must complete section 5. Income from Savings and Investments. State benefits You must tick this box if you receive any state benefits including any of the following; Contribution-based Jobseeker s Allowance (JSA) Bereavement Allowance Contribution-based Employment and Support Allowance Carers Allowance Incapacity Benefits If you have ticked this box you must complete section 6. State Benefits. If you are not sure about what to put in this section, please call us on. Other income You must tick this box if you receive any other income, including; Payments from family members, partners or third parties Maintenance payments Further education funding If you have ticked this box you must complete section 7. Other Income. I was required to submit a self assessment tax return for the most recently completed financial year Tick this box if this statement applies to you. If you have ticked this box, you must attach a copy of your most recently submitted tax return. You can tick more than one box. For example, if you are employed in a full time job and receive interest from savings each month, you should tick the box next to earning from employment or self-employment and the box next to income from investments and savings. Or if you are employed in a part time job and receive Child Tax Credits each month, you should tick the box next to earnings from employment or self-employment and the box next to state benefits. 3. Declaration of Income Please declare the types of income which you are currently receiving and complete the relevant section (tick to confirm). (a) Earnings from employment or self employment (Complete section 4) Income from investments and savings (Complete section 5) State benefits (Complete section 6) Other income (Complete section 7) I was required to submit a self assessment tax return for the most recently completed financial year. (Please attach a copy of your most recently submitted Self Assessment return) 4. Earnings from Employment Please confirm amount of GROSS (before tax and deductions) monthly income from the following (please state NIL if not applicable). (a) Employment Self Employment Temporary Employment Please also confirm in respect of any employments. (b) Number of current employments (c) Do you have an ownership interest Page 7

8 4. Earnings from Employment This section should be completed if you ticked the box indicating that you receive income from employment or self-employment. The amounts you enter must always be the gross monthly amount. This is the amount you are paid before any deductions such as Income Tax, National Insurance, pension contributions, childcare vouchers etc. Please ensure that you insert a monthly figure. For example, if your current annual earnings before deductions (and including any bonuses and other taxable 0845 benefits) is 12,000 a year, your gross monthly income is 1,000. (a) If you 3. Declaration have income of Incomefrom more than one employment, enter the combined total monthly gross pay Please declare the types of income which you are currently receiving and complete the relevant section for (tick both to confirm). employments in the Employment box. If the field is not applicable to your circumstances, please enter NIL in this box. (a) Earnings from employment or self employment (Complete section 4) Income from investments and savings (Complete section 5) Temporary employment refers to employment for a fixed or short term period, such as agency State benefits (Complete section 6) work, seasonal work or interim work. Other income (Complete section 7) I was required to submit a self assessment (Please attach a copy of your most recently tax return for the most recently completed submitted Self Assessment return) If you are not sure if this applies to you, please call us on. financial year Declaration Earnings from of Income Employment Please declare the types of income which you are currently receiving and complete the relevant section Please confirm amount of GROSS (before tax and deductions) monthly income from the following (tick to confirm). (please state NIL if not applicable). (a) Earnings from employment or self (a) Employment employment (Complete section 4) Income from investments and savings Self Employment (Complete section 5) State benefits Temporary Employment (Complete section 6) Other income (Complete section 7) Please I was also required confirm to in submit respect a of self any assessment employments. tax return for the most recently completed (b) Number financial of year. current employments (c) Do you have an ownership interest (b) of current employments of 10% or more in any employer? Enter 4. Earnings 1 if you from only Employment have one paid employment. Yes No If you have more than one paid employment, put the Please confirm amount of GROSS (before tax and deductions) monthly income from the following number (please state NIL of if employments not applicable). you have. For example, if you have a day job and a part-time evening job Please confirm the details of your current employers, the business description and your job title. as You well, should you notify your should employer before enter providing 2. us with their contact details. (a) Employment (d) First employer: Self Employment Include Employer self-employment name in this field. For example, if you have one employment and run a selfemployed Employer address business as well, you should also enter Temporary Employment 2. Please Employer also confirm phone in number respect of any employments. 3. Declaration of Income Business description Please (b) Number declare of the current types employments of income which you are currently receiving (c) Do you and have complete an ownership the relevant interest section (tick Your to confirm). job title of 10% or more in any employer? Employer contact name Yes No (a) Earnings from employment or self employment (Complete section 4) (c) Do (d) you First Other employer: income have an ownership interest (Complete of section 10% 7) or more in Deferment any Employer I was application required employer? name to form submit a self assessment (Please attach a copy of your most recently Page 3 of 6 tax return for the most recently completed submitted Self Assessment return) Employer financial year. address This question refers to an employee stock owner plan (ESOP) that provides a company s workforce Employer phone number with 4. Earnings an ownership interest in the company. In an ESOP, companies provide their employees with Business description from Employment Please confirm amount of GROSS (before tax and deductions) monthly income from the following stock Your ownership, job title often at no up-front cost to employees. ESOP shares, however, are part of (please state NIL if not applicable). employees Employer contact compensation name for work performed. Shares are allocated to employees and may be held (a) Employment in an ESOP trust until the employee retires or leaves the company. The shares are then sold. If you do have an ownership interest of 10% or more, tick Yes. Deferment Please also application confirm form in respect of any employments. (Please attach a copy of your most recently submitted Self Assessment return) Please Income confirm from the investments details of your and current savings employers, the business (Complete description section and 5) your job title. You State should benefits notify your employer before providing us with their (Complete contact section details. 6) Self Employment Temporary Employment Page 3 of 6 (b) Number of current employments (c) Do you have an ownership interest of 10% or more in any employer? Yes No Please confirm the details of your current employers, the business description and your job title. You should notify your employer before providing us with their contact details. (d) First employer: Employer name Employer address Employer phone number Business description Your job title Employer contact name Page 8

9 3. Declaration of Income Please declare the types of income which you are currently receiving and complete the relevant section (tick to confirm). (a) Earnings from employment or self employment (Complete section 4) (d) First Income Employer from investments and savings (Complete section 5) You State should benefits notify your employer (Complete before section providing 6) us with their contact details. Other income (Complete section 7) I was required to submit a self assessment (Please attach a copy of your most recently Employer name - If you have more than one employer, tell us about the job where you work the tax return for the most recently completed submitted Self Assessment return) financial year. most hours. 4. Earnings from Employment Employer Please confirm amount address of GROSS -(before This tax refers and deductions) to monthly the Employers income from the following Pay Office which might not be the same as your (please state NIL if not applicable). workplace check your wage slip or ask your employer for confirmation. (a) Employment Business Self Employment description This refers to the type of work that your company does. For example, if your employer Temporary Employment is a bank, you would answer Financial Services. Please also confirm in respect of any employments. Employer contact name This is the name of the person that we can contact at your company to (b) Number of current employments (c) Do you have an ownership interest confirm details of employment. This of 10% will or more usually in any employer? be a member of your company s Human Resources department. If you do not know the Yes name No of this person, you can enter the name of the department or unknown in this box. Please confirm the details of your current employers, the business description and your job title. You should notify your employer before providing us with their contact details. (d) First employer: Employer name Employer address Employer phone number Business description Your job title Employer contact name (e) Second Employer Deferment application form Page 3 of 6 Employer address - This refers to the Employers Pay Office which might not be the same as your workplace check your payslip or ask your employer for confirmation. Business description This refers to the type of work that your company does. For example, if your employer is a bank, you would answer Financial Services. Employer contact name This is the name of the person that we can contact at your company to confirm details of employment. This will usually be a member of your company s Human Resources department. If you do not know the name of this person, you can enter the name of the department or unknown in this box. If you have additional employments, please list these on a separate sheet and attach to the application form. 3 (e) Second employer: Employer name Employer address Employer phone number Business description Your job title Employer contact name If you have more than two employers, please complete and enclose details separately. 5. Income from Savings and Investments Please confirm amount of GROSS monthly income from the following (please state NIL if not applicable). (a) Interest income Dividends Rent Other Provide details below Description of other 6. State Benefits Please confirm amount of the following which you are in receipt of per month. (a) Benefits included as income (see instruction booklet) If you are receiving state benefits not included as income for the purposes of this application please provide further information in section [8] (!) Help If you need any help, please go to 7. Other Income Please describe any other income you receive and the GROSS (before tax and deductions) monthly amount (please state NIL if not applicable). (a) Spouse, family or third party payments Page 9

10 5. Income from Savings and Investments This section should be completed if you ticked the box indicating that you receive income from savings and investments. The amounts you enter must always be the gross monthly amount. This is the amount you receive before any deductions such as income tax. If you receive this income less frequently than monthly then please enter the monthly equivalent amount. For example, if received annually, divide the amount by 12. If any field is not applicable to your circumstances, enter NIL in the box. (a) Interest Income This refers to any income you receive as 1134 interest on bank accounts, bonds, ISAs or other savings accounts. Dividends 3 (e) Second employer: This refers to any share dividends you receive, whether on ISAs, shares in your business or other Employer share name investments. Employer address Rents Employer Any phone number income you receive from renting properties or other assets. Business description Other Your job Any title other savings and investment income that you receive. Employer contact name Description If you have more of than two other employers, please If you complete have and enclose entered details separately. income as Other, please provide details of what this savings and investment income derives from in this box. 5. Income from Savings and Investments Please confirm amount of GROSS monthly income from the following (please state NIL if not applicable). (a) Interest income Dividends Rent Other Provide details below Description of other 6. State Benefits Please confirm amount of the following which you are in receipt of per month. (a) Benefits included as income (see instruction booklet) If you are receiving state benefits not included as income for the purposes of this application please provide further information in section [8] 6. State Benefits 7. Other Income Please describe any other income you receive and the GROSS (before tax and deductions) monthly amount This section should be completed if you ticked the box indicating that you receive State Benefits. (please state NIL if not applicable). (a) Spouse, family If any field or third is party not payments applicable to your circumstances, enter NIL in the box. Maintenance payments (a) Enter Further the education full amount funding of any benefits that you receive monthly including any of the following; Other Provide details below 3 (e) Second Child employer: Benefit Description of other Employer Universal name Credit* Employer Contribution-based address Jobseeker s Allowance (JSA) Employer phone number Bereavement Allowance Deferment Business application description form Page 4 of 6 Contribution-based Employment and Support Allowance Your job title Employer Carers contact Allowance name If Incapacity you have more than two Benefit employers, please (excluding complete and enclose long details term separately. incapacity benefit or short term incapacity benefit at the higher rate) 5. Income from Savings and Investments Please Income confirm amount Support of GROSS monthly income from the following (please state NIL if not applicable). (a) Interest Housing income Benefit Dividends Council Tax Credit Rent Working Tax Credits Other Provide details below Child Tax Credits Description of other If you are not sure what to enter here, please call us on. 6. State Benefits Please confirm amount of the following which you are in receipt of per month. (a) Benefits included as income (see instruction booklet) If you are receiving state benefits not included as income for the purposes of this application please provide further information in section [8] * Universal 7. Other credit Income should be included if it applies to you, as this is yet to be rolled out nationwide (excluding any amounts in respect of limited Please describe any other income you receive and the GROSS (before tax and deductions) monthly amount capability for work or work-related activity). This should be included in section 8 (d). (please state NIL if not applicable). (a) Spouse, family or third party payments Deferment Maintenance application payments form guide Further education funding Page 10

11 7. Other Income This section should be completed if you ticked the box indicating that you receive other income. If you 3 (e) receive Second employer: this income on a frequency other than monthly, then please calculate the monthly equivalent Employer amount name (for example, If you receive this income on a frequency other than monthly, then please Employer calculate address the monthly equivalent amount (for example, if received annually, the annual amount Employer phone number divided by 12. If weekly, the weekly amount multiplied by 52, then divided by 12. Business description Your job title If the field is not applicable to your circumstances, enter NIL in this box. Employer contact name If you have more than two employers, please complete and enclose details separately. (a) Spouse, Family or Third Party Payments This refers to any unearned income you receive from any members of your family, spouse or third parties such as an allowance. 5. Income from Savings and Investments Please confirm amount of GROSS monthly income from the following (please state NIL if not applicable). Maintenance Payments This refers to any payments made (a) Interest income to Dividends you for child maintenance to assist with the care of a child, for example, payments from an Rent absent father. Other Provide details below Further Description of Education other Funding This refers to any assistance you receive to support you in further education, whether by loan grant or otherwise. 6. State Benefits Please confirm amount of the following which you are in receipt of per month. Other This is any other income you receive that doesn t fit in the above categories. (a) Benefits included as income (see instruction booklet) If you are receiving state benefits not included as income for the purposes of this application Description please provide further of information other in section You [8] should add a brief description of any payments you have added in the box for Other. 7. Other Income Please describe any other income you receive and the GROSS (before tax and deductions) monthly amount (please state NIL if not applicable). (a) Spouse, family or third party payments Maintenance payments Further education funding Other Provide details below Description of other Deferment application form Page 4 of 6 8. Other means of support (a) Savings: You should complete this if you currently suppor yourself using savings accumulated in other years. (b) Loans: You should complete this if you arer supporting yourself using loans taken out in this year or previous (c) Other Borrowings: If you support yourself using other borrowings (such as Credit Card etc.) please indicate here (d) Benefits not included as income the following disability benefits are not counted towards your income but need to be declared to evidence your means of support: Personal Independence Payment Armed Forces Independence Payment Employment and Support Allowance Severe Disablement Allowance War Pension Disability Living Allowance Disabled Persons Tax Credit Industrial Injuries Benefit (!) Help If you need any help, please go to Page 11

12 Severe Disability Premium Disability Premium Long Term Long or Short Term Incapacity Benefit Universal Credit where this relates to amounts of limited capability for work or work related activity Other This is any other income you receive that doesn t fit in the above categories. Description of other You should add a brief description of any payments you have added in the box for Other. (e) Other: Please include here any other means of support that is not income or borrowings & savings. 8. Other Means of Support Please describe any other income you receive and the gross monthly amount (please state NIL if not applicable). (a) Savings (b) Loans (c) Other borrowings (d) State benefits not included as income (e) Any other 9. Certificate and Warranty (a) Total gross monthly income from sections 4 to 7. (Section 8 should not be included in total.) Additional requirements Proof of Income P I CERTIFY AND WARRANT TO ERUDIO STUDENT LOANS AS FOLLOWS: You must (a) I have taken supply all necessary proof care in the of completion your of this income application form, there means are no mis-statements of financial or omissions, support together with your deferment whether intentional or otherwise, and the total gross monthly income disclosed comprises my total current gross monthly income. application form. (b) To the best of my knowledge and belief my average gross monthly income for this month and the next two months will not, or is unlikely to, exceed the current Deferment Threshold. If you are I understand required that Erudio Student by HMRC Loans will rely to on this submit Certificate and a on tax the information return provided and in this have form and declared this in Section 3 of the form, accompanying evidence to support it in considering my application to defer repayments. you must I understand provide that Erudio us Student with Loans reserves a copy the right of [in terms your of its statutory most powers] recently to request further submitted (NOT DRAFT) return, with all relevant information and/or to verify the information which I have provided and I authorise the organisation or persons from sections showing your income for that year, or if HMRC calculates your income tax liability for you, whom my income is derived to give Erudio Student Loans such confirmation or information about that income as Erudio Student Loans may request. a copy of the most recent SA302 tax calculation HMRC has sent to you. If you submit this supporting Date evidence Signature you will not need to provide any further (dd mm evidence, yy) unless your income has changed since the period covered by this return or calculation period. P WARNING FAIR PROCESSING NOTICE IN RELATION TO APPLICATIONS FOR DEFERRALS Earnings from Employment or Self Employment IN ORDER TO CHECK YOUR APPLICATION TO DEFER PAYMENT ON YOUR STUDENT LOAN AND IN ACCORDANCE WITH THE TERMS SET OUT IN THE ORIGINAL CREDIT AGREEMENT, WE HAVE THE RIGHT TO UNDERTAKE CHECKS TO CONFIRM If you have declared Earnings from Employment or Self Employment in section 3 (Declaration of THAT YOU ARE ELIGIBLE FOR DEFERMENT. ACCORDINGLY THEREFORE BY SUBMITTING THIS APPLICATION YOU CONFIRM THAT YOU CONSENT FOR ERUDIO TO Income) PERFORM and RELEVANT are CHECKS not AT enclosing CREDIT REFERENCE a AND tax FRAUD return PREVENTION or AGENCIES. SA302, IF YOUR or APPLICATION if your earnings from Employment or Self FOR DEFERRAL IS ACCEPTED, INFORMATION THAT YOU HAVE A DEFERRED LOAN WILL BE REGISTERED WITH CREDIT Employment REFERENCE AGENCIES. have DETAILS changed OF THE INFORMATION since THAT the WILL period BE RECORDED covered ABOUT YOU AND by HOW the THEY AND tax return, you will need to supply one of WE WILL USE YOUR INFORMATION IS SET OUT OVERLEAF. the following to cover each employment: 1. Copies of wage slips confirming your gross income for the last three consecutive calendar months and a copy of your most recent P60 showing your annual earnings for the previous 12 month period. Deferment application form Page 5 of 6 In exceptional circumstances only where wage slips are not provided, a signed and dated letter from your employer, (on company headed paper) stating that wage slips are not available and confirming your gross monthly income for each of the last three calendar months (including overtime, bonuses, allowances, London weighting etc.); 2. A copy of an offer of employment or a copy of your employment contract dated within the last three months, together with your most up to date wage slip for the new employment; or 3. If you are working for a temping agency, a copy of a P11 form, with the company s name, your name and your gross earnings; or 4. If you have income from self employment and have not yet completed a self assessment tax return, copies of three months bank statements showing self employment receipts. (!) Help Where you are paid monthly this will be three wage slips. If you are paid weekly this will be up to 12 weekly wage slips. If you have multiple employers this must be wage slips for all employers covering the same period. Page 12

13 Savings or Investment If you have declared Savings and Investment income in section 3 (Declaration of Income) and are not enclosing a tax return or SA302, or if your income from Savings and Investments has changed since the tax period covered by that return or SA302, you will need to supply the following: 1. For interest income, a copy of annual interest certificates or account statements showing the interest you have received; 2. For dividend income, a copy of dividend certificates or bank account statements showing the dividend(s) you have received; 3. For rental income, a copy of your letting agreement or a letter from your tenant confirming the frequency of payments and the amount paid in the last three calendar months, or bank account statements showing the rent(s) you have received; or 4. For other Savings and Investment income, suitable similar evidence or bank statements showing the income you have received. Benefits If you have declared receipt of State Benefits in section 3 (Declaration of Income) and are not enclosing a tax return or SA302, or if your income from Savings and Investments has changed since the tax period covered by that return of SA302, you will need to supply one of the following covering each benefit received: 1. Benefits or tax credit award letter for the current period confirming your name, date, type and amount of benefit received; or 2. A copy of your most recent bank statement showing the payment of benefits into your account with the credits clearly identified. If you have declared Other Income in section 3 (Declaration of Income) you will need to supply one of the following in respect of each form of other income received: a. If you are being financially supported by a third party, for example a parent, spouse or partner, a signed and dated letter from this person confirming the level of support and a copy of your most recent bank statement showing the support payments with the credits clearly identified; b. If you are receiving maintenance payments, a copy of your maintenance agreement or letter from the person making payments to you and a copy of your most recent month s current account statement showing the maintenance payments with the credits clearly identified; c. If you have borrowed money to live on, a copy of your loan agreement; or d. If you are a student, a copy of your grant award letter or student loan agreement for the academic year spanning the relevant month. For the current academic year - the first instalment of your loan must already have been paid to be classed as income. Travelling If you are travelling you must supply written confirmation with details of your expected travel itinerary plus one of the following pieces of evidence in support: 1. Proof of your savings, such as a bank statement; 2. Proof of your overdraft, such as a bank statement; or 3. A letter from one of your parents, spouse or partner confirming that they support you with a copy of your most recent month s current account statement showing the support payments with the credits clearly identified. Prison If you are in prison you will need to supply the following: 1. A letter from your prison authority or solicitor confirming that you are serving a custodial sentence. Page 13

14 9. Certificate and Warranty (a) Your total monthly gross income can be calculated by adding all the values declared in sections 4 to 8. Use the table below to help you work the total out. Monthly employment / self-employment temporary employment Monthly income from savings and investments Interest Income: Dividends: Monthly state benefits Rent: Other: Other income Spouse, family or third party payments: (c) Other borrowings Total Maintenance payments: Further education funding: 8. Other Means of Support Please describe any other income you receive and the gross monthly amount (please state NIL if not applicable). (a) Savings (b) Loans (d) State benefits not included as income (e) Any other 9. Certificate and Warranty Other: (a) Total gross monthly income from sections 4 to 7. (Section 8 should not be included in total.) Sign the whether form. intentional If you or otherwise, do and not the total sign gross monthly the income form, disclosed we comprises will my not total current be able gross to process your request. Add today s date monthly income. in the box. (b) To the Please best of my knowledge write and the belief my date average gross in the monthly format income this dd month mm and the next yyyy two months (e.g. 01/12/1976) FAQS P I CERTIFY AND WARRANT TO ERUDIO STUDENT LOANS AS FOLLOWS: (a) I have taken all necessary care in the completion of this application form, there are no mis-statements or omissions, will not, or is unlikely to, exceed the current Deferment Threshold. I understand that Erudio Student Loans will rely on this Certificate and on the information provided in this form and accompanying evidence to support it in considering my application to defer repayments. I understand that Erudio Student Loans reserves the right [in terms of its statutory powers] to request further information and/or to verify the information which I have provided and I authorise the organisation or persons from whom my income is derived to give Erudio Student Loans such confirmation or information about that income as Erudio Student Loans may request. Signature Why has this form changed? P WARNING This form has been sent to you by Erudio Student Loans. Your account(s) have been transferred to FAIR PROCESSING NOTICE IN RELATION TO APPLICATIONS FOR DEFERRALS Erudio IN Student ORDER TO CHECK Loans YOUR APPLICATION by the TO DEFER Student PAYMENT ON Loans YOUR STUDENT Company LOAN AND IN ACCORDANCE and you WITH have been sent a notice of this transfer. THE TERMS SET OUT IN THE ORIGINAL CREDIT AGREEMENT, WE HAVE THE RIGHT TO UNDERTAKE CHECKS TO CONFIRM Going THAT forward, YOU ARE ELIGIBLE Erudio FOR DEFERMENT. Student Loans will be managing your account and administering the deferment ACCORDINGLY THEREFORE BY SUBMITTING THIS APPLICATION YOU CONFIRM THAT YOU CONSENT FOR ERUDIO TO process. PERFORM RELEVANT CHECKS AT CREDIT REFERENCE AND FRAUD PREVENTION AGENCIES. IF YOUR APPLICATION FOR DEFERRAL IS ACCEPTED, INFORMATION THAT YOU HAVE A DEFERRED LOAN WILL BE REGISTERED WITH CREDIT REFERENCE AGENCIES. DETAILS OF THE INFORMATION THAT WILL BE RECORDED ABOUT YOU AND HOW THEY AND WE WILL USE YOUR INFORMATION IS SET OUT OVERLEAF. What has changed from last year? Some of the sections of the application form require you to provide more detail, however the requirements to successfully apply for deferment remain the same as last year. The deferment threshold continues to be set each year by the Department for Business, Innovation and Skills, and is currently Deferment application form Date (dd mm yy) Page 5 of 6 2,398 gross monthly income for the year from 1st September 2013 to 31st August If you provide the required evidence that your gross income is below that threshold, your application will be processed quickly and efficiently. Page 14

15 Which loans does this agreement cover? The deferment application covers the loans on the covering letter to this form. Why are my Direct Debit details required? Keeping your Direct Debit details current (whether your account is in deferment or not) is a requirement of your original credit agreement, and not doing so is a breach of this agreement. For your peace of mind, all Direct Debit details and any payments made will be covered by the Direct Debit guarantee. If you do not have a bank account, then please state this in your deferment application. How/why will my data be verified? Erudio Student Loans will use credit bureau and fraud prevention agency data for data verification and fraud prevention purposes. You have already given consents for this in the original credit agreements you entered into, and the Fair Processing Notice included here is to formalise that, as new owner of your account, Erudio will be now be responsible for such checks. What if I stop payment without an agreed deferment? Your account will go into arrears. If an account is in arrears we will actively contact the customer to discuss repayments of the outstanding balance to bring the account up to date as quickly as possible, whilst ensuring that any arrangement is tailored to each particular customers own financial circumstances. Further Information What happens next? We will aim to get back to you about your deferment request within [28] days of receiving it. If you have any changes to your circumstances after you have sent your application to us, you must tell us about them. If you have not heard from us within [40] days of posting your claim, please phone us on to check that we have received your application. We will send you a letter to confirm our decision. If your application is accepted We will notify you by post and your repayments will be deferred for a period of 12 months. During this time you will continue to be charged interest on your outstanding balance. We will write to you before your deferment period is due to end to inform you of when your repayments are due to start again and how much they will be. You will also be given the opportunity to apply for a further 12 months deferment at that time. If your application is rejected We will notify you by post and you must continue to make monthly payments or your account will fall into arrears. If you are currently deferred from making repayments and your renewal request has been declined, we will notify you by post, and will include details on the payments you will be required to make and when the payments are due. (!) Help If you need any help, please go to Page 15

16 Checklist Have you included: Completed application, signed and dated, including Direct Debit details. All relevant supporting evidence of income, such as; Wage slips for the last three months Employment offer or contact P11 form Self assessment tax form Attached sheet of additional employment details if applicable. T: E:

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