"Your company's failure to provide robust answers leave us unable to understand the challenges borrowers face as they return to repayment, who failed to provide adequate answers to earlier questions. We are therefore writing to you again to reiterate the following questions, which we asked in September and which were not fully answered in your October response.
We appreciate that your response from October 2023 provided some important information about what borrowers are experiencing and how your company is handling the return to repayment, but we are concerned that the information you provided about your customer service is not consistent with reports from borrowers."