H L LEGAL Solicitors in association with SAMPSON & Co.

[physicsgraduate]

In case anyone has any specific information on these guys I am making a new thread with my case, see also my thread here:

Student loans company problem

Can someone please help me urgently with some advice, I have sort of neglected this case, obviously hoping it would go away. I've paid some money to them so far, but not for a couple of months. I am really fed up with this, as far as I am concerned this is a stealth tax I should not have to pay, since the government should have supported me during my summer breaks at university. Since I left university and started working, I am not working now I am on the dole!, the government have used the tax I have paid to, amongst other things, wage illegal wars in the middle east. In light of that I simply will not stand for this kind of harassment, and I am considering doing a runner to Europe again and staying there just to avoid this as SLC seem totally unwilling to deal with this case in a reasonable manner. I have no faith in this country anymore, its just one government or capitalist organisation after another trying to rob you of your livelyhood, so I am just thinking sod them all! Unless anyone can think of a handy legal trick that would rid me of these capitalist scum bags once and for all....

In a snotty letter dated 03/05/07, which I just received today, 07/05/07, from H L LEGAL Solicitors in association with SAMPSON & Co.

************************* *****
Quoting reference number of loan contract that Smith Lawson & Co failed to supply.

We act for CapQuest Debt Recovery Limited in relation to the above outsatanding account.

TAKE NOTICE: That if you fail to repay this account by 09 May 07, a legal review will be initiated and one of the following actions will take effect:

1. Immediate legal proceedings: Costs of £150.00 will be added making the amount due £xxx.xx. Daily interest may also apply.
2. A personal visit will be made to your property by an Agent to establish details regarding your personal circumstances and to ascertain if you have any assets on which to levy.

In order to prevent this action you will need to take one of the following actions:

Pay this account in full immediately by one of the follwing methods:

<snip>

Or:

Telephone the CapQuest Legal Team on: 0870 xxxxxxx to discuss this matter further by 09 May 07.

Should you fail to pay this account or make immediate contact then this matter will take its course, which will inevitably increase your indebtedness.

We trust you will act now to clear this account.

*********************

Can I take this as harassment?
As I have already explained I requested copies of my contracts under the CCA 1978 and they sent copies on time, only the original 1990 contract was missing. As far as I am aware this debt is therefore unenforcable until they produce this document.
Can someone suggest what the next course of action I should take please?
pg

[physicsgraduate]

What about this for a letter?

In reply to H L LEGAL

Re: Ref

Further to your letter dated 3 May 2007, which I received this afternoon on 8 May 2007 demanding full payment of the sum £***.** to The Student Loans Company Ltd by 9 May 2007 to avoid legal proceedings, please be advised that I do not recognise any debt to the Student Loans Company Ltd, other than the amount which I have outstanding to them and is currently in deferment.

I wrote to Smith, Lawson & Co requesting a true copy of the signed agreement under the terms of s.77(1) of the Consumer Credit Act 1974 (As Amended). To this date they have failed to supply a copy of the 1990 agreement *************, and the copies of the subsequent agreements 1991 to 1993 I received were illegible. I have therefore not yet been provided with a complete signed agreement under the consumer credit act and I therefore do not acknowledge this debt of £***.** to the Student Loans Company

in light of this, I will not be making any further payments against this "debt" as it is unenforceable. I also believe that Smith, Lawson & Co may have committed a criminal offence under the terms of the Consumer Credit Act, and non compliance with the original request is therefore a complete defence to any court claim that is issued.

As I believe that they may have broken the law this will result in a report being submitted to the relevant statutory authorities, as well as a letter in writing to Smith, Lawson & Co explaining that the reason I have not dealt with this matter until now is because I have been suffering from depression.

Please acknowledge that you have received this letter and that you recognise that I have no liability to yourselves.


Yours sincerely

[physicsgraduate]

can someone please remind me of the relevant statutory authority I should write too as well?

[CAGisforME]

HL have been hassling me for an unenforceable debt too. I sent them this letter and have heard nothing from them since:

H L Legal & Collections
Herbert Street
Redditch
Worcestershire
B98 8BL


Re: Harassment by telephone

Ref: xxxxxxxxxxxxxxxxxxxxxxxxx xxxx

Dear Sirs

I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing.

I have verbally requested that these stop, but I am still receiving calls. I have also expressed in writing that I only wish to correspond with yourselves in writing.

I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.

Be advised that any further telephone calls from your company will be recorded, largely due to the unpleasant and sarcastic attitude of the Operative who spoke with me on Friday 23rd March.

You should be able to change that to fit your needs!

Thy are very good at igmoring letters or not reading them. Send everything recorded.

Have you established exactlt which debt they are chasing? This is important, as you state you have deferred you loans with SLC. If this is the case send a copy of your deferrment letters to them. If they are chasing payments from when the loan(s) weren't deferred and they have provided the Credit Agreement then you will have to try to come to some agreement to pay a nominal sum whilst unemployed (perhaps £1?)

Any loan that has not been acknowledged during the past 6 years is statute barred and they can chase all they want.

I also CCA'd HL Legal who waffled a bit and then crawled back under their stone. I informed them that I had Subject Access Request'd the original creditor and they have been jolly quiet since!

Good Luck

[CAGisforME]

For further help check post 23 on this thread:

Student loans company problem

Penguin's advice is worth a read!

[noomill060]

My story is even better.


noomill v Student Loan Company ***WON***

[HELPLESSVICTIM]

Hi Folks,
I'm new to this so please bear with me.

I have received a letter today from H L Legal asking me to contact Telogram Ltd.
The letter asks that I contact the telogram contact centre by the 11th of Nov on telephone number 01252 576376 to establish whether the informationour client hols is relevant to yourself and we will then be able to bring this matter to a conclusion.

I am aware that some one has taken out to catalogues in my name at least 3 years ago at an address I have never stayed at. I have ignored all previous correspondence, even though they have tried to contact me through relatives.
Should I contact them or ignore it.

Thanks