krysus vs SLC

[krysus]

Well, i've finally got round to starting the process to claim charges back off SLC - i've sent a S.A.R - (Subject Access Request) with the £10 fee (postal order) to them.

From checking on the Information Commissioners website, i've just realised that i've sent the S.A.R - (Subject Access Request) to the wrong address - i used the Glasgow address, the Data Protection Register states a Bristol address. What will happen in this case? Would it be better to re-send SAR to the Bristol address? Or is it up to Glasgow to forward it on to Bristol?

Secondly, is the 40 days working days or calendar days?

Also, has anyone had successes with SLC charges?

EDIT: As my loans commenced prior to 2000, should i also ask for copies of the original agreement under CCA s77, and in the case that they can't provide them, claim back all i've paid?! Yeah, if only...!

Many thanks.

[noomill060]

Ive done it.

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

[krysus]

Ok, step 2.... CCA request!

As my student loans commenced prior to 1996, i'm requesting copies of CCA agreement...

As Smith Lawson are handling the arrears aspect of my loans, do i CCA them, or just Student Loans Co.? After all they are the same company, but do Smith Lawson have to correctly have a Deed of Assignment in order to collect the debt on behalf of Student Loans Co.?

Do i send it to the address as per Data Protection Register (in Bristol), or their head office address in Glasgow?

Ta.

[Falkirk1298]

I've had my S.A.R - (Subject Access Request) was acknowledged and that was sent to Glasgow. I wouldn't worry about it.

[noomill060]

I sent my S.A.R - (Subject Access Request) to Bristol. Went through OK.

The Bristol address is simply a forwarding address. Its actually just a solicitors office. No SLC staff there at all.

[noomill060]

Smith Lawson and Co is simply Student Loans Co in a sharp suit, not an outside company.

Their address is in the same building as SLC, but has a different entrance.

Have you noticed that both companies have exactly the same initials....?

[noomill060]

Dont hold out any hope about the CCA request, but you are certain to get the penalty charges removed.

Are they hounding you about arrears?

Are you paying them at the moment?

[noomill060]

Answer me, dammit!

[krysus]

LOL! Ok, here's your answer...

Yes i am paying, but after a recent phone call to Smith Lawson discovered that what i thought was my overall balance 12 months ago, was in fact just the arrears.

I made an arrangement with them last year, thinking that my monthly payments would clear both the arrears and loan balances by this month, only to find out today there is still £2k outstanding, of which about £300 is charges.

[noomill060]

Right- soon as you get your statements or a list of all the charges you can go through the preliminary letter stage and send off the 14 day Letter Before Action.

Soon as you can after that issue your small claim for EVERY LAST penalty charge, plus interest.

Also claim interest at 8% per year on each individual charge.

If you need any help working this out just shout.

They will supply you with a list of all the charges youve paid just by phoning them and asking. A lot quicker than waiting 40 days for your statements.

[krysus]

The woman i spoke to at Smith Lawson today said that she'd send me statements anyway, mentioned to her that I'd sent a S.A.R - (Subject Access Request) but she didn't take any notice, and just carried on trying to justify what she believes i would have been told 12 months ago.

Only got 8 payments to go, i suppose claiming that charges - i expect they'll be more than she said though - will reduce it by at least one payment.

Still doesn't make me feel any better that i've still got £2k outstanding when i thought it would be zero by now!!

Thanks noomill, i'll keep this thread updated - glad to know someone has beat them already

[noomill060]

Thats £300 + x years interest + Court Interest @ 8% + whatever they will want to give you to make you go away...

[noomill060]

Ere- the £300 charges, dont forget all the other £20 charges they have inflicted on you that youve paid- you will be wanting that lot back as well!

[krysus]

Had response from SLC stating they only hold certain details, e.g.

Name
Address
Birth Details
Loan Account Number
Current Bank Details

No sh*t sherlock!!

My Data Protection Act request clearly stated i wanted copies of all statements relating to my loan accounts. Delaying tactics?

I'm going to send them a letter re-iterating the fact that i want copy statements. Can i also include a request for a copy of the CCA agreement under Data Protection Act laws, or do i need to make a separate CCA request?

Also, can i state that the accounts are in dispute now, before they've sent statements so i know how much they've charged me??

[krysus]

Bump - anybody, please? Noomill060?! Anyone!

[noomill060]

They have 40 days to provide you with your data.

[noomill060]

You dont actually have a right to your statements- what you actually want is your transactional data, but statements will do.

[noomill060]

If they dont comply complain to the Information Commissioners Office and start small claim to force them to.

Suprised they sent you that letter, though.