The most serious case for mis-selling rests on a decision taken by George Osborne last November. In 2010 the government committed to uprate the £21,000 repayment threshold in line with average earnings. But in November 2015 it wasfrozen for five years, a move that will affect current students and graduates who took out post-2012 loans, including Crowther. A change to loan conditions, made after a loan is taken out? A mortgage company can’t legally do that to borrowers – so why is the government doing it to students?