So I tried to file an official complaint with Erudio about four times and it was ignored. I went to the FOS and I am getting a healthy compensation sum. I would beg anyone else to do the same, it is imperative this company learns to follow financial guidelines.
They have also told me that no-one has had their details sent to credit reference agencies for deferring and that this is only a potential future policy. Sounds like back pedalling doesn't it!
When calling them up I am also sensing a change in their response, from a debt collection agent style to one more befitting a financial institution...