Hi,

I've followed the previous threads on erudio from earlier in the year.

I received the same letters as many others between July and August,

except mine were from shoosmiths solicitors rather than drysdens.

After reading the advice on these pages, I decided to ignore the letters, they stopped after three.

I have just had sheriff officers at my door serving me with a charge for payment of money within 14 days.

My student loans were from 96,97 and 98. All old style loans.

I deferred for a couple of years and then moved house and forgot about them.

They traced me in 2002 and I was served with a court paper for March 2003.

I never turned up for this hearing, although I did fill in the income/expenditure forms.

I heard nothing afterwards, no letters, no requests for payment.

My credit rating was pretty poor from other debts while at uni,

I had a pretty basic bank account for a few years,

managed to get a new account and credit cards no problem in 2006 and a mortgage approval in 2008.

There's nothing on my credit record and I have an excellent credit score.

I just wanted to let people know that, although it may be rare for these firms to enforce a ccj after 11+ years, it looks as though they can.

Any advice appreciated, thanks.

Ah, I've just found saintalan's post on the same subject. Mine has been assigned to erudio too. The numbers now are adding up to around £1000 more than the figures given previously. Advice still appreciated.

you not got a CCJ

this is a Scottish claim.

if shoes have had the decree rebadged to them

then you're stuffed I think.

as they run for 20yrs not 6 like E&W.

might be worth investigating when you last deferred and when they got the decree.

if there were 5yrs then it was SB'd when they got it and they can't do that.

looking at your date 1998 & 2003 it could be close

Hi dx100uk, thanks for your reply.

Definitely wasn't 5 years, so no SB.

Coming to the conclusion I'm pretty stuffed and I'll have to contact them.

Any advice about that?

In the previous correspondence, they'd said they may accept a reduced sum.

Do you think it's worth pushing for that?

Amount is now £6.5k, which I totally can't afford in a lump sum.

Also, they've added £1000+ interest!

is this section 69 8% interested

have you a copy of the decree etc

dx

I only have a copy of the charge for payment. I've never received anything with regards to the decree, only the original court paper telling me when the hearing would be.

shoes should be sending you the stuff/letters as in saintalan's thread

I phoned shoosmiths on Friday. Said they'd accept payment by instalments and may consider a lump sum f&f settlement.

Today, I've received by post, an income/expenditure form. Do I have to fill this in? Or can I write to them with an offer without the I/E form? Are they less likely to accept an offer without the forms?

Seriously considering just bunging it all on credit cards to make them go away!!

only a judge can demand to see pers financial details

upto you

pers I tell them to go away off.

but I've not got the decree against me mind

dx

I phoned shoosmiths on Friday. Said they'd accept payment by instalments and may consider a lump sum f&f settlement.

 

Today, I've received by post, an income/expenditure form. Do I have to fill this in? Or can I write to them with an offer without the I/E form? Are they less likely to accept an offer without the forms?

 

Seriously considering just bunging it all on credit cards to make them go away!!

You are in the same boat as me as you have noted.

The back of a SLC statement seems to allow for paying off over 60 months.

As of now I intend to make 2 offers which I trust they will find acceptable.

60 payments of exactly the correct amount requesting the total amount does not increase.

Similar to your thoughts an offer to pay just under 50% as full and final settlement via a CC.

I am 100% not letting them know of my situation financially.

You can probably stall for now and request proof of said decree.

It took them nearly 4 months to get mine but clearly some of that time was actually going to court to get it transferred.

I am waiting on advice but if none more forthcoming I will write to them tomorrow.