Hi, i have read through as many of the SLC HSL etc posts as I can handle without my brain melting and I'm still not sure what i should do with my situation. If anyone can shed any light I would be most grateful.
I failed to inform the SLC of a change of address when I moved in NOv 2006 and had not heard anything from them them until the Cash Collection Agency and Close Credit Management (both at same address) have sent me letters stating that I owe £899.57 in Mar/April this year. I rang them (first mistake?) and they said it is for repayments because I have failed to defer my account. Up until this point I have deferred each year since I took out the loans in 1995/1996. I was on long term incapacity benefit for six years which was paid by Income Support. This ended in Nov 2007 when I became self employed. The period of non deferral is Feb 2007 to Feb 2008. I need to get deferral forms in order to prevent another £75 a month getting added in repayment amounts (each 25th of the month). CCA and CCM both refuse to send deferral forms until I pay them money "and no piddly amounts like a pound a month". I rang SLC (second mistake?) who said that because the matter was passed to an agency there was nothing they could do. THis was until I got through to collections at SLC who said they will send out a form. No form appears and so I appear to be stuck in a catch 22 where I can't get them to send forms and therefore cannot defer this year. What course of action should I take to prevent this spiralling. Do I have to pay the repayments because I didn't inform the SLC of my change of address. I can prove my entitlement to Incapacity benefit from Feb 2006 Nov 2007 and my self employed earnings from Nov 2007 to now. They both fall well below the threshold.
It appears that I should send S.A.R - (Subject Access Request) and CCAs7 to the SLC is that correct. Can anyone point me in the direction of a template, especially the CCA s7. I found this
http://www.consumeractiongroup.co.uk...s-request.html
for the Subject Access Request, is this ok. I can't get the template section to work on the site even though I am registered. Should I do anything with the Cash Collection Agency/CCM. They thankfully don't ring me as per many of the stories on this site. Although they, unofficially through caller ID, know it I have denied that is my no. Do I have any dispute with either of these companies, I haven't been able to find a case that is similar, others mostly deal with "lost" deferment forms and ensuing protocol for dealing with that.
I should also like to say Thank You for this resource. My CAB is always shut due to stafff shortages and I gave up trying to phone them a long time ago after hours of waiting for nothing. A resource like this at least allows me to get a grasp of my situation and see how others have dealt with similar issues.
Thanks billy
SLC and CCA won't send deferral forms- incapacity deferral case 
