Student Loans/Mackenzie Hall? - Page 2

Hum · 24th December 2007, 10:28

Hello HC,
Received a reply from SL who say they will get back to me by the 26th of January with all the details.
Anyway enough of that boring stuff, hope you have a lovely holiday at this festive time. Thanks for all your help, and will wish you good fortune for the new year.

Merry Christmas

Huw xx

Hippy-chick · 24th December 2007, 16:18

Hi hum

Nice of them to get back to you - we'll have to wait and see.

Have a great Xmas and New Year and I'll talk to you soon..

HC

noomill060 · 1st January 2008, 13:51

Have a read of my SLC thread to see how I got my unlawful £20 charges removed.

Just the same as any other charges reclaim, except that my unpaid arrears debit balance was reduced by the amount unlawfully added, plus interest on the charges.

( I got a cheque for the charges I had actually, physically paid)

Hum · 31st January 2008, 22:44

Hello there Hippy Chick, How are you? I must apologize as I wrote you season's greetings on the forum but do not seem to have come up, so sorry for that and let me wish you a Happy New Year.

I am expecting student loan details to come on saturday, but I have just received a letter from TNC Legal Services demanding Payment of the PGCE course or subsequent legal proceedings. I was told when I started the course that it was a legal requirement and would not have to pay. What would be the best way to sort this out?

Hope you are well and out of the snow!

Hum · 31st January 2008, 23:02

AH!! Just found the second page!:o

Hum · 3rd February 2008, 16:00

I Have recived SL details and am about to go through it all this afternoon. Is there somthing I should be looking out for?

noomill060 · 3rd February 2008, 21:46

Depends if you want to reclaim any penalty charges.

There is so much banter on your thread its impossible for me to work out what it is you want.

Hum · 5th February 2008, 21:12

Hi there noomill60, I will try and clarify my position as I am in desperate need of advice and guidance.

There are two debts involved here and I have a query with both.

Debt 1: This debt with student loans goes back to when I was a student from 1997 to 2001. I want on to do a Post grad in 2000 and presumed in my naivety that as I was still a student and no action would be required. This was not the SL's point of view, who insisted I should have deferred the loan following my undergraduate years. As I was still a student and had no way of repaying I was left with one option which was ignoring them for many years and it is for this I feel I had been unfairly treated. When I begun work I paid back some of this loan, but for a reason which I will go on to explain I left my work and am now unable to afford repayment.

I have recived all my account details from them, but I am unsure as to what to do next.
1. Can I fight their initial decision to call in the loan whilst I was still a student?
2. Now I have all this information, how does it help. Do I need to reclaim unfair charges and are there likely to be any?
3. Do I pursue a settlement, taking into account my circumstances?
4. Do I ask them to write off the debt taking into account my position?

Debt 2: has just recently come to light. I have received a letter from TNC Legal Services demanding Payment of the PGCE course or subsequent legal proceedings. I was told when I started the course that it was a legal requirement to do the course or I could lose my job or be on a lower pay scale, I was also told I would not have to pay for the course. I may have someone who will corroborate this. Today I have received a letter from Slone Portland Associates, Litigation Service Devision demanding payment or court proceedings may be instituted. What would be the best thing to do here?

If anyone can offer advice I would be very grateful

Many Thanks

H

Hum · 6th February 2008, 22:23

Ok on the second debt, I think I am going to write back saying Il see them in court. Is this sensible?

Hum · 15th April 2008, 13:16

To Update,
Debt 1:

I have written to SL offering to pay 40% of the debt pro rata at 10.92 per month. I have now received a letter from Mackenzie Hall requesting the money. Not sure what to do about this.

Debt 2
I wrote an offer of full and final settlement for £140, in return for my PGCE certificate. No reply from them.

I wrote to both around the 28th of February.

Hum · 2nd May 2008, 16:16

Looking through statement that I received from SL, It would seem that they have been charging interest twice in a month each month. Is this right? The two payments are around £3 and £13. Can anyone explain this?

Having Checked all admin charges it would seem that there were £129.74.

Haven't replied to McKenzie Halls request and I haven't heard from either.

Hum · 11th June 2008, 11:24

Received a letter from mackenzie hall saying that they have sanctioned a doorstep visit on my property by field collector merit-force. Alternatively they will suggest to their client to take court action. Not sure if I should reply to this?

ODC · 11th June 2008, 11:57

The doorstep visit threat by Meritfarce is easily dealt with. Send this to MH or if Meritfarce write to you send it to them

Dear Cretins

DOORSTEP COLLECTION VISIT – PLEASE READ CAREFULLY

YOUR REF xxxxxxxxxx

I refer to your recent correspondence, the contents of which are noted.

I note it is your intention to arrange a “doorstep visit”, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you or your agents.

There is only an implied license under Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and if you do so, then you will be liable to damages for a tort of trespass and civil action will be taken.

With regard to debt 2 Did your employer send you on the course.

Hum · 11th June 2008, 12:04

Yes, they told me it was mandatory.

Should I send it recorded?

ODC · 11th June 2008, 12:07

Send ALL letters recorded and doNOT sign any of them. It would help your case if you could get a letter from your employers saying that they were going to pay for the course.

Hum · 11th June 2008, 12:23

They wont do it. If the worst comes to the worst then I have a witness who will state that they told us "that the course was mandatory and we wouldn't have to pay". This is now a common con from what I hear. It has all gone quiet on this front for now anyway since I told them that I had evidence to the contrary.

Thank you for your advice, will get the letter off this afternoon and keep you posted.

Hum · 14th August 2008, 15:12

Hi ODC, Haven't heard anything from McKenzie Hall to date. Today I received a letter from Meritforce informing me of an authorized collector visit, and should the collector receive no positive comment towards clearing the debt, the account will be returned to the office for potential action. What would be the best way forward here, I was thinking I should send them the same letter as I sent Mckenzie Hall. Am I right in thinking this?

ODC · 14th August 2008, 15:20

Quote:

Originally Posted by Hum

Hi ODC, Haven't heard anything from McKenzie Hall to date. Today I received a letter from Meritforce informing me of an authorized collector visit, and should the collector receive no positive comment towards clearing the debt, the account will be returned to the office for potential action. What would be the best way forward here, I was thinking I should send them the same letter as I sent Mckenzie Hall. Am I right in thinking this?

I hardly think that they would think you telling them to 'Get the Feck off my property'' would constitute a positive comment.

Rather than have a doorstepper pollute your private property just send them the same letter as you sent Mac Hall. If you wanted to be nasty you could report Mac Hall for passing on a disputed debt but its hardly worth the price of a stamp.

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