I have just registered for the online account access through the Student Loans Company Repayments website. I left uni in 2004 and have been paying over £100 a month for the past 3 years at least. They didn't bother updating my home address (I realise this might well be my responsibility but they seem to manage to find where you work!!!) and was wondering how much I've repaid! Despite paying over £3600, my loan has only reduced by £300 in 3 years!!! Is this right? Is there any way I can reduce my payments to around £10 a month because this is quite obviously never going to disappear! Are there are any tips to completely get rid of this?!

Well I sent the letters to the various companies who have put a default on my account. Orange have basically admitted they have no record of what I need and have asked for a copy of my credit report in order to check this out! And Natwest have told me the exact date and location they sent it to and said that it was a computer generated letter and therefore don't have a copy. I was living at that address at the time and I did not receive it. Any ideas what I should do? Is this a fob off?

Thanks for that Shane. I might write that to Natwest AND Experian and see what happens. Didn't think to have it taken off at the time of the court case but will try it now! Here's hoping!

Thanks for the help Nailpost. Have typed up all the letters and ready to send. 2 questions though: 1. Can I send a cheque as opposed to a postal order? 2. I took Natwest to court earlier this year and won back all charges, shall I put this in the letter to them to take off the default? Any idea on wording other than " you know you're wrong you b******s because you paid up in the end so take off the damn default before I come down there and...."!

Wow! That's a fantastic site. Thank you very much for that Mike. VERY much appreciated! Have been looking all over for a simple version of this!

I have already taken Natwest to court and won, have won the battle against 2 debt companies and am now looking to completely clear my credit report and start from scratch. I cannot currently even apply for a mobile phone contract despite the fact I have been very responsible with my money for the past 3 years now. Has anyone here actually taken Experian or another credit company to court over slander or under the Data Protection Act. And how the hell did this company start in the first place and why do so many people go by their records when so many of them are blatantly incorrect? I am going to start clearing the report as soon as I receive my latest credit report and was wondering if anyone has any generic letters to do this?

Nope! Just asked for the original signed agreement which was done 7 years ago!! Think they sent the statements as if to say 'Well we got these so we must know what we're doing!!'

SRJ Debt Recoveries don't go away! Their time was up in May this year after the CCA was sent (see above). Have received a few nonchalant letters since, saying they will take my phone number off their records and others telling me they will be taking it to court in 7 days (a month ago!!) and yesterday I received my bank statements from them! 3 envelopes, all broken in a special Royal Mail plastic cover which said 'Very Sorry'. 4 years worth of statements which is NOT what I asked for in the original CCA!! 1. Their 42 days was up at least 60 days ago. 2. Why are they sending me statements when I asked for the Original Credit Agreement. 3. How the hell can they get hold of my statements? Surely that's personal information? Who else can get hold of it?! And why didn't I know about it? 4. Isn't it against the DPA when the envelopes are broken and any old tomdickorharry can see my information!!! Isn't there some kind of letter we can send which simply tells them to stop chasing me as they haven't a chance in hell of getting the doc they need to enforce the damn debt! Rrrrrrr! Have complained to the OFT and Trading Standards and will be drafting a rather nasty letter in retaliation! Although some people are saying to simply ignore them!!

Yeah. Their time is up now. Trading Standards should get on the case and may report to OFT too. Do you have any idea how to do that? Thanks for your help by the way! I'm sure you can appreciate how it feels when ******* like that are chasing you!

I really enjoyed it when Capquest were calling because I knew I was right! But because it's happening again and this company aren't as brash as Capquest I'm not too sure of my rights! The 30 days is up for them too! Have just written an email to Trading Standards so hopefully they will get off my back soon!

Help! Has anyone had any dealings with SRJ debt recovery? I received a demand to repay £2600 last year from Capquest, sent the CCA, had a few harrassing phone calls, sent the phone harrassment letter and never heard from them again. I am now being chased by a company called SRJ Debt Recoveries who originally sent the letter beginning May with big red letters etc, I sent them a CCA and they are still sending me big red letter...letters saying they're going to take me to court etc, plus phone calls nearly every week now. I am starting to think I might not actually have a leg to stand on and am getting a little worried! They actually called today and just came straight out with 'So how are you going to pay the £2600?'! I took Natwest to court this year for bank charges for which they repaid me the full amount of £2600 surprisingly enough! Can anyone reassure me that what I'm doing is ok? And shall I report them to the police? Or would it be the OFT?

Thanks ODC! That's what I wanted to hear! Can't wait to hear from them again!

Have done a bit of research and RBS own Natwest and Halifax amongst others!

Ah! Sorry bit confusing! Initially was in £2500 debt with Natwest. Then got a debt letter saying pay it all back from Capquest. Sent the CCA to Capquest. NO reply. Then thought whilst I was at it I would take Natwest to court for charges. and won. Have never had an account with RBS in my life but am pretty sure they own Natwest, so I think what has happened is that Capquest, when unable to get my money, passed the debt on to someone else. No doubt a sister company of theirs. Have sent another CCA to SRJ now with a little added note explaining I took their client to court and won! so stop harrassing me, type thing! We shall see I guess! Has anyone ever heard of SRJ?

So Mr Yamaha! When you win all this, how about paying to give me bike lessons so you can then give me your Yamaha?!!! (your daughter!)