I have received a letter from drydens fairfax solicitors threatening bailiffs,

putting a charge on my house and attachment to earnings

- standard stuff I think from reading other posts on here.

My CCJ was received in default judgment in 2005 and

since then I have been paying £55 per month.

I stopped paying it because I simply could not afford to pay it.

I am on disability benefits and my husband is a pensioner.

I want to know what is the worst they can do to me.

I do not want to complete their income and expenditure form as I know they will expect me to pay £200 per month or something ridiculous.

If I let them take me back to court what would happen?

I am really aggrieved about this because I have never earnt over the deferment level since I left university

but because I did not complete deferment forms they got judgment in default.

Am I ever going to be rid off this student loan?!

My husband is worried about this and thinking of using his lump sum state pension payment to settle my debt of £4000.

I really don't want him to have to do this but

do you think drydens would accept a much reduced figure since they have paid peanuts for my debt?

pers i'd let this run a while.

you are not alone in receiving this letter

seems to be the current letter doing the rounds

just where they have gotten upto.

when did you stop paying

and were / have you been getting statements showing the bal reducing?

dx

I was paying £55 per month until oct 2013 from 2010 when they caught up with me.

Relates to study from 1992 so mortgage style loan.

Can CCJ after 6 years be enforced without them applying to court?

What would happen then?

Do you have to declare to court income and assets?

Yes have been sending annual statements to me each year. Is this just a normal CCJ now regardless of that it is a student loan?

paying who £55PCM?

pers i'd forget about the CCJ & it's implications

they were not the claimants.

go read the other like threads here.

dx

Paying £55 to student loans company themselves

Yes have been sending annual statements to me each year. Is this just a normal CCJ now regardless of that it is a student loan?

Yes. A CCJ establishes a new debt in law.

However, Drysden's is not the claimant on the CCJ and it was so long ago that they are highly unlikely to be able to persuade a judge to allow enforcement.

I will wait like the rest, but my call on these letters so far is... Threat-O-Gram.

yes def

and until Arrows see how many people fall or don't for the threat-o-gram

we wont know which way they'll go.

so CCJ was in 2005

SLC got ahold of you? in 2010

how please by letter?

and you started paying them £55

where did this figure come from them?

dx

Yes by letter . They (SLC )wanted £160 per month but accepted £55 and paid it monthly until oct 2013 when I stopped because I could not afford it.

then they cant be relying on the CCJ

as that surely would have stated some kind of monthly figure in the judgement.

have you that letter please

dx

Yes I have letters from SLC accepting £55 per month agreed on temporary basis. Have copy of CCJ judgment in default and my original student loan agreements

what is in the judgement box of the CCJ.

is the SLC account number on the CCJ

the same account you paid the £55 too?

dx

It isn't the CCJ

it's case details that i requested from court itself

particulars of claim,

case no and

date of judgment by default

together with copies of my original loan application.

The £55 per month was paid in relation to this case number.

I have never had any other ccj's other than this.

Only found out I had CCJ in 2009 when SLC finally tracked me down

you started paying against the CCJ within 6yrs of it

so 'it' is still 'live'

ideally we/you need a copy of the judgement details

I would be sending the SLC an sar.

for now just keep us upto date with any DF stuff that comes.