Urgent advice required - SLC about to take me to court I think

[physicsgraduate]

I've been posting here on and off regarding a battle the past year I have been having with the SLC and SmLC. My current situation is this. I am now working and in a position to pay all of it back, however asides from the fact that I don't want to, I don't have time to deal with it at the moment. I am working abroad and my parents are way too slow at forwarding my mail. I just managed to defer my loan (not the part I owe them because I forgot to defer for a year) and now that they know what i am earning they are starting to put the pressure on me again. I managed to get away with it until now by requesting a 1974 CCA, they couldn't find legible copies of my documents, however now they have. Only the letter or deferment came along with a letter saying now they are in a position to take legal action, and my parents left it in the cupboard for two weeks. Now I have a letter from SmLC that is more than 7 days old giving me seven days to pay or further action will be taken. What do I do?

They are saying something about taking legal action action to recover the full loan, DOES THAT MEAN THE FULL FULL LOAN, or just the bit I defaulted on. Can they do that?

Secondly, can I take this as harassment?

I can afford to pay the full amount they are chasing me for in one go but I am planning on making an offer to pay back over 6 months, as I have other financial commitments.

Should I call them and see if they say they are going to take me to court and catch them out? Should I call them and say alright you win, I'll be making arangements to pay it back?

In any case, there are charges they have added which I know are illegal so I want them removed first. Is there something I can do there?

Oh yeah and they sent a default notice over 2 years ago, but failed to include a copy in the CCA request. Is it still valid? Does this then invalidate their position?

BTW I took my loan out in 1900-1994 so I am covered by the CCA 1974.

Please help someone, I'm panicking because I am worried they might be going to take me to court for the full whack!

[physicsgraduate]

Oh yeah BTW I also sent an Subject Access Request request, which failed to produce a copy of the default notice I received over 2 years ago.

[LyncusBee]

Scratch that

[maybelline]

i think it depends on whether you have the old style loan or the new ones that replaced them, this will dictate what you can and cannot do, mine for example date from 92 so are old style, not sure when they changed, look at any NUS link or google it and that will tell you.

it sounds like you can still negotiate with them over payments, you need to work out what your position is, starting from what type.