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| | | | | | | Students Come here if you think that you have consumer-style problems which are connected to your status as a student | Welcome to The Consumer Action Group
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Good luck claiming your bank charges. We strongly suggest that you register under a UserID and not your own name |  | 
3rd May 2007, 11:57
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#1 (permalink)
| | Classic Account Customer |  Falkirk1298 vs the SLC
OK, the SLC are a bunch of clowns.
Actually, that’s not fair. The decision makers and managers cower behind their front-line “customer service” staff and are very reluctant to come out into the light. The front line staff are in general very nice and just trying to earn a crust, but the impression I get is that it is an organisation that can run smoothly if everything’s going their way but they can’t handle anything out of the ordinary.
December 2005, I open my pre-Xmas pay slip and find a deduction of over £100, which is apparently a payment for my post-graduate “income-contingent” style loan I took out in 1999 when I went back to University. Add to that I’m still paying my old mortgage-style loan from my undergraduate course in the early 1990s. I had quite a few deferments on that because of short term contract work and irregular income.
I phoned them up, and they claimed to have sent me a form as apparently I have a choice over which loan to pay off first, but since I hadn’t replied they were within their rights to take both payments. I hadn’t replied because I had never seen the form – believe me, I would have sent that one back!
So a new choice form was sent, which I filled in saying I’d be happy to pay the “income-contingent” loan first, cancelled the direct debit for the DD loan and promptly forgot about it – until my next pay slip where there were no deductions, or the one after that, or indeed any at all! I refused to reinstate the DD, as I had made my choice and they acknowledged receipt of the form, so now we’re at loggerheads as they claim I’m refusing to pay but I say they have my authorisation to deduct the mortgage loan from my salary!
As you can imagine I’ve been threatened with all sorts on this but I’m taking them all the way on a point of principal. I CCA’d them in December and heard exactly nothing, so on Tuesday I sent a Data Protection Act request for everything they have on me. I suspect that the original loan, which only has a couple of hundred pounds left to pay, may well be wiped out by the charges they have applied to it when they used to regularly “lose” deferment forms!
I intend to make them justify every single action they take or have taken.
Oh, and by the way, I have several letters sent by them to a previous address, which were fortunately forwarded to me, AT THE SAME TIME as they were sending other letters to my correct address!
Sheesh!
Last edited by Falkirk1298; 14th June 2007 at 12:22.
Reason: Descriptive error
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13th June 2007, 20:30
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#7 (permalink)
| | Basic Account Customer | Re: Falkirk1298 vs the SLC
Quote:
Originally Posted by Falkirk1298  OK, the SLC are a bunch of clowns.
Actually, that’s not fair. The decision makers and managers cower behind their front-line “customer service” staff and are very reluctant to come out into the light. The front line staff are in general very nice and just trying to earn a crust, but the impression I get is that it is an organisation that can run smoothly if everything’s going their way but they can’t handle anything out of the ordinary.
December 2005, I open my pre-Xmas pay slip and find a deduction of over £100, which is apparently a payment for my post-graduate “mortgage” style loan I took out in 1999 when I went back to University. Add to that I’m still paying my old style loan from my undergraduate course in the early 1990s. I had quite a few deferments on that because of short term contract work and irregular income.
I phoned them up, and they claimed to have sent me a form as apparently I have a choice over which loan to pay off first, but since I hadn’t replied they were within their rights to take both payments. I hadn’t replied because I had never seen the form – believe me, I would have sent that one back!
So a new choice form was sent, which I filled in saying I’d be happy to pay the mortgage style loan first, cancelled the direct debit for the DD loan and promptly forgot about it – until my next pay slip where there were no deductions, or the one after that, or indeed any at all! I refused to reinstate the DD, as I had made my choice and they acknowledged receipt of the form, so now we’re at loggerheads as they claim I’m refusing to pay but I say they have my authorisation to deduct the mortgage loan from my salary!
As you can imagine I’ve been threatened with all sorts on this but I’m taking them all the way on a point of principal. I CCA’d them in December and heard exactly nothing, so on Tuesday I sent a Data Protection Act request for everything they have on me. I suspect that the original loan, which only has a couple of hundred pounds left to pay, may well be wiped out by the charges they have applied to it when they used to regularly “lose” deferment forms!
I intend to make them justify every single action they take or have taken.
Oh, and by the way, I have several letters sent by them to a previous address, which were fortunately forwarded to me, AT THE SAME TIME as they were sending other letters to my correct address!
Sheesh! | Hi this may sound stupid, but the loan you described that you wanted to pay off first is called the "ICR" loan and the "mortgage style" is the old style paid by DD. Could it be that you asked to pay off the wrong loan first? | |
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