Consumer Action Group envelope labels
You are part of a community of over 195,000 people.
Let your bank know that you won't give in.
Display one of our labels on your envelopes.
 Full description here
Sheet of 20 self-adhesive envelope labels
£3.50 inc p&p
|
Do your Internet search here
Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road
London
NW11 7PE
| | | | Do your Internet search here:-
| | | CAG Announcements
| |
Welcome Guest
Please register
Registration is free
There are no charges for using any of the facilities of this website.
If this is your first visit, be sure to check out the FAQ.
You will have to register before you can post.
To start viewing messages, select the forum that you want to visit from the selection below.
You will also have to register to access our template letters and claims forms
registration is free
Are you being threatened over debts more than 6 years old?
This may be unfair
See our new Unfair Trading Guide Bought an extended warranty?
Not satisfied?
The warranty may be an example of unfair trading
See our new Unfair Trading Guide Have you been defaulted?
Would you like to clean up your credit file?
Check it out
Are you a victim of unfair trading?
Check it out
The Consumer Protection from Unfair Trading Regs 2008 Have you been defaulted?
Would you like to clean up your credit file?
Check it out
| | | | | | | Students Come here if you think that you have consumer-style problems which are connected to your status as a student | Welcome to The Consumer Action Group
and
The Bank Action Group
Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund.
You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed.
To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.
Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges. We strongly suggest that you register under a UserID and not your own name |  | 
19th February 2007, 14:52
|
#1 (permalink)
| | Basic Account Customer |  Drowningindebt v Student Loans
Hi all,
Since I took my student loan out in about 1997 I have never received anywhere near the wages threshold to pay this back. I have been in a bit of debt over the last few years and I never reliased I never posted back the default letter. They then told me I was due £500+ in arrears and passed it onto a debt recovery agency. I managed to scrape enough together and paid this agency. Student loans never received it and it was passed onto another agency. I supplied them with a bank statement and I think they have now debited it to my account and its now back in their hands. Do you think I should send off a S.A.R to see what the fee's charged for this? Do you also think I should send of a CCA and ask for a copy of the written agreement?
PS.Many thanks to Badger for supplying a handy templates thread.  | 
|  | |
20th February 2007, 16:48
|
#6 (permalink)
| | Platinum Account Customer | Re: Drowningindebt v Student Loans
No, your not wasting your time.
*Sweaty, pale face squaw speak with fork tongue* 
Ive seen another Student Loan thread where they made an offer to settle all the guys charges. Hang on, I'll find it. | |
| | |
27th March 2007, 20:34
|
#12 (permalink)
| | Basic Account Customer | Re: Drowningindebt v Student Loans
Quote:
Originally Posted by Drowningindebt  I phoned them up today to ask for the six years worth of statements. The woman said," I wouldn't bother as it will cost you a tenner and our charges are not like the bank charges ones everyone is claiming back as we have checked them with trading standards!"- Is still got her to send me them out.
Do you think she is speaking any truth and I'm wasting my time? | The SLC repaid yet another unlawful penalty charge to me last year, and I followed it up with a complaint (as I do after each attempt by the SLC to unlawfully obtain my money). During the course of the complaint I was told that the SLC's charges had been approved by: - The OFT
- The Department of [sic] Education and Skills
Funnily enough, I'd previously raised this very issue with the OFT. They made no mention of "approving" the SLC's charges, and thanked me for providing information on the state of the industry. I've not yet checked with the Department for Education and Skills, but I'll be asking my MP to very soon (post-budget, I plan to ask my MP to ensure that my loan is one of the loans transferred away from the SLC).
The SLC - how can I put this? - sometimes, accidentally, say things which aren't remotely based on anything approaching reality. | |
| | |
28th March 2007, 20:55
|
#15 (permalink)
| | Basic Account Customer | Re: Drowningindebt v Student Loans
Quote:
Originally Posted by Drowningindebt I have about £120 of charges on my account, but I am not sure if I will try and claim them back as it looks more daunting than claiming bank charges back. I will see how you do and take it from there so please keep me up to date. | It's actually pretty straightforward - send then an Subject Access Request (requesting details of all unlawful charges levied against you), wait for the deadline, send an LBA threatening court action, wait for the deadline and cash the cheque. In my experience the SLC will repay its debts to avoid court action - I've not once had to go to court, though I'm looking forward to the opportunity. The difficult bit is dealing with the SLC's complaints department - now they are skilled in frustrating customers! | |
| | |
30th March 2007, 21:02
|
#18 (permalink)
| | Basic Account Customer | Re: Drowningindebt v Student Loans
Quote:
Originally Posted by noomill060 Hi livity,
Just read your opening post on your thread. I've been through all the nonsense prelim letters and LBA which they have assidously ignored or side stepped in a laughably inept snivel service manner, naturally I sent every letter by Recorded.
Small claim against the Student Loans Company for six years worth of unlawful charges will be filed tomorrow.
Perhaps I will eventually be able to instruct the Sheriff and his posse of bailiffs to sieze assets to the value of my claim! | Very best of luck!
I've been through this every time I've been charged so I've never been claiming more than £40 or so, and that may make a difference, but... the SLC have always settled before going to court - sometimes at the very last minute (papers ready to be filed, time off work arranged, etc). Shame really - like you I dream of entering 100 Bothwell Street with a team of bailiffs! | |
| | |
