I’m currently on a part-time PGCE course that would normally be eligible for funding. However when I tried to apply for student finance through my online account I could only proceed so far before a message appeared on screen directing me to phone Student Finance England on a certain telephone number. I did this and the operative at Student Finance England told me that I had been put through to the debt department at Student Finance England. There was no information on record with Student Finance England about my debt and they have had no communication from the student loan companies (I have old-style mortgage student loans). The debt on my account is because I failed to submit two deferment letters in 2017 and 2018. This was due to having to act as a carer for an elderly relative that involved moving house at short notice and a lot of stress. I initially tried to explain to Student Finance England my situation in 2019 and demonstrated that I was under the threshold for payment by sending in tax statements with the missing deferment letters but instead they forwarded my communication to one of the loan companies, Erudio. Erudio tried to make me sign up to an agreement to pay back arrears due to my missing deferment letters but I refused to do this. The arrears are now statute barred but I am now in the position of never being able to access funding again. I have made an initial appeal to Student Finance England and wondered what my chances of getting this decision overturned are. I’ve read conflicting information as the statute barred nature of these debts/arrears may mean that Student Finance England aren’t allowed to prevent me from receiving funding. I also thought it was odd that there is no information on my account about the debts.