Student Loan arrears paid - what about charges?

**oldrectory** · 26th July 2008 19:35

Hi,

I have just worked out that with the increased payments I have been paying the student loans, I have paid off the arrears but still have the 'charges' element to pay to them.

I am about to send them a prelim on Monday to reclaim these and get them credited to my account.

Can I now reduce my payments (Paid by SO) to their normal level? My thinking here is that if these charges are unlawful and I will take them to court to get them refunded to my account, why should I pay them now?

If this is right what sort of letter should I send them?

Thanks - the next payment due is the 1st - so a quick response would be appreciated so I can amend the SO.

Oldrectory

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**emmaf01** · 26th July 2008 19:44

Send them the prelim, with just slight adaptation. I won my charges back, though I had to take them all the way to court.

My loans were all pre-1998. I saw in another thread that you have two loans pre-1998 and two post-1998. I'm not sure if it makes a difference, but if the charges are unfair that's it- or does anyone have experience that says different?

**oldrectory** · 26th July 2008 20:03

Thanks emmaf,

I am still confused about whether I should reduce my payments to the normal level now that the payment arrears are paid off - just leaving the charges?

Within the prelim letter should I state that I have returned my payments to their normal level?

Thanks

**emmaf01** · 26th July 2008 20:28

What are you paying? Is it a regular monthly payment, plus money for arrears plus money for charges?

I'd be tempted to keep paying in anticipation of return plus interest icon

. It is important when going to court to appear the MOST reasonable party.

But all info- are you paying student loans themselves or one of their clones eg Smith Lawson or someone else? Have you SAR icon

and CCA requested them?

**oldrectory** · 26th July 2008 20:35

I am paying normal monthly payment + arrears - these arrears are payment and charges arrears added together. I have worked out that I have paid all the payment arrears off, which leaves amounts adding to the charges.

I am paying directly to student loans. I have a full set of statements so don't need SAR icon

.

I am about to serve a prelim with CCA as well - thy are being sent on Monday - recorded delivery.

I just thought, looking at other threads, that once I serve the prelim, I hav put the matter in dispute and they, therefore, cannot chase me for the charges until it has been settled in court.

**oldrectory** · 26th July 2008 20:36

submitted twice sorry!

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Student Loan arrears paid - what about charges?

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