Bank Charges and Student Loan Debts

[daz1981]

Hi All,

I have been reading this site with enthusiasm, as I never realised I could claim back the bank charges I have paid over the years. I have checked the statements I have and the total charges so far are over £4000, from several orgainisations, and that's only since Feb 2004. I will shortly be sending the requests to the relevant companies for statements for the last 6 years, so I may be able to claim for a lot more. I am also happy that I should be able to have the defaults removed from my Credit Report, as this is fairly dire at the minute following university.

After reading through this site more thoroughly I was just wondering whether I could claim against my existing student loan. If I sent a letter requesting a statement for the last 6 years, as I don't receive regular statements, could I also ask for a true signed copy of the credit agreement? If they are unable to provide this, am I right in thinking that this debt could effectively be written off, as they are unable to prove that I owe them the money?

Any advice that you can give in this situation would be a great help.

Thanks in advance

[Giveitback]

I think, THINK, that your application for a student loan would be classed as a signed copy of a credit agreement, as you would have signed that agreeing to the terms.
(Your loan is probably different from mine though)

However, they're after me charging me fees for money I don't actually owe them. (Their mistakes). Once I've beaten the bank, guess who I'm after next.

[goldiea]

Hi,

Yes your student loan is covered... I have one with Honours Students (assigned from Student Loans) and one with Student Loans.

xx