To ensure all affected customers are refunded as quickly as possible we have been contacting them via text message email telephone and by letter. Whenever a customer completes an application and provides personal information such as a deferment application form organisations like erudio student loans have a duty explain to their customers how their personal data will be used by the organisation they ve submitted the application to as well as by credit reference agencies and fraud prevention agencies. Student loan firm erudio under fire following government sell off.