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    • Dear EVRi parcelnet LTD t/a evri   evri parcelnet isnt a thing also you say defendant's response which is a bit of a weird format.   Something like   Dear EVRi, Claim no xxxx In your defence you said you could not access tracking. Please see attached receipt and label Regards
    • Welcome to the Forum I have moved your topic to the appropriate forum  Residential and Commercial lettings/Freehold issues Please continue to post here.   Andy
    • Please provide advice on the following situation: I rented out my property to four students for 16 months until March 2024. Initially, the property was in very good condition, but now it needs extensive renovation. This includes redoing the bathroom, replacing the kitchen, removing wallpaper, and redecorating due to significant mould growth. The tenants also left their furniture on the grass, which is owned by the local authority. As a landlord, I've met all legal requirements. It seems the damage was caused by poor ventilation—windows were always closed, and heating wasn't used. There was also a bathroom leak fixed by reapplying silicone. I tried to claim insurance, but it was denied, citing tenant behaviour as the cause by looking at the photos, which isn't covered. The deposit barely covers the repair costs, or else I'll have to pursue money claims, which I've never done before and am unsure about its legal complications or costs. Any thoughts on this?
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Emma vs Student Loans Company


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Hi Nurseslayer! I am very interested in what you're up to with this, as I have 4 pre-1998 SLC loans which, due to illhealth/disability have accumulated nearly £2K in charges alone. Every years I defer apart from 2 years when I was unable to gather the info they needed- specifically because I was too ill.

 

Their methods of debt recovery are continous, harassing and they have taken money which they were not authorised to take from my bank account. The charges are increasing.

Any way I could get these charges reduced would be a joy- they even stopped me going back to university when I was offered a place!

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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Emma, I would recommend that you make a decision as to which avenue you are going to take against them. You can either go for trying to get the debt made unenforceable by using the CCA 1974 route which is what I am trying to do, there is alot of risk in this as there seem to be many conflicting pieces of legislation and very little case law. Or you can follow the route of getting the charges refunded as they are over the £12.50 that the OFT said would be unlawful.

 

I see from your signature that you are already taking action against some of the banks about unlawful charges - apparently this would be exactly the same against the SLC.

 

I'd also suggest that you try to get in touch with the NUS treasurer who has kindly posted on this thread as he may be very interested in your case. The SLC (in my opinion) should not be able to stop people from attending university.

 

As for taking money from your bank account that sounds wrong to me! Again check with others on here but if it was via Direct Debit there are very specific rules about what they can and can't do.

 

Whichever route you decide to take act fast. The quicker you can start against them the sooner that you can truthfully state that the account is in dispute and thus get them from stopping harassing you until the matter is resolved.

 

I hope this helps. All the best. Nurselayer

Nurselayer v Natwest - Settled in Full :D

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Thanks Nurseslayer.

I phoned SLC yesterday, asked them for all the info they had on my accounts. As it was the debt department they asked if I would be paying the arrears/charges- I said I had to go over the info with my advisors to assess the financial situation before I could decide on how to proceed.

Nice man then asked how far back I wanted- so I'll be getting info from before 6 years ago!

So I'm looking forward to seeing what I get. Have to keep it quiet though- husband is now accusing me of being obsessed.

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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I would also send a Subject Access Request to them too, Emma.

 

It's ok to request and them to  agree to send you this info but if they miss out any of it then there is no comeback against them.

 

If you issue a SAR they have to send you the information by law.

 

I'd recommend that you wait for the information that you've been promised to arrive, then issue a SAR under the DPA and then follow the steps as you would for claiming back charges from a bank. If you are unclear on any of this then read up on it on the site, if you are still unclear then feel free to ask.

 

Why not also set up your own thead - Emma vs Student Loans Co, that way people will be able to see how you are getting on.

Nurselayer v Natwest - Settled in Full :D

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Thanks Nurseslayer. I'll do that. I've got to wait to do a SAR- need to gather my pennies for the £10!

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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  • 3 months later...

Well, I've sent of my SAR, my CCA request and £11.

 

Sent recorded delivery- which I now can't track on the Royal Mail site for reasons unknown. Anyway, sent on the 1st March.

 

They did say last week they would be sending me information in which the OFT said their charges were fair- funnily enough this has not materialised, and I would be surprised if it ever does!

 

So, the battle begins- pity we can't get rid of the "arrears" they shove onto the account at the slightest opportunity!:-o

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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Emma

 

Why can't something be done about the arrears? Surely these are disproportionate charges too?

If I have helped tip my scales:)

 

I am not a legal eagle, professional accountant, [problem] artist or axe murder so please bear in mind that my advice is just that advice from someone in the same boat as you.......

Claims:

Lloyds TSB Acct 1 - S.A.R - (Subject Access Request)'d/Statements received/£2500ish to be claimed + contractual interest

Lloyds TSB Acct 2 - *WON* over £5K won with compond CI at 28.9%

Lloyds TSB PPI *WON* - CCA'd/They cant find agreement/£2650 awarded

Halifax TSB Closed account issues*WON* - £610 in compensation for an account closed with £10 in it!

Student Loans - 20 Feb 07 CCA'd/on back burner for now

 

Hmmm seems Im on the right end of winning, God that feels GOOD!

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I did not think so- unless anyone knows better?

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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  • 3 weeks later...

Got a letter from SLC. It is only regarding the SAR.

 

So I rang up.They have ignored my prelim, and ignored the CCA request on my SAR, in fact using the £1 included with the SAR and CCA to credit to my account. Argh.

 

So I've composed a combined lba and bringing to their notice the CCA, which is rapidly running out.

 

Any ideas- I spoke to someone who was far from clued up at the SLC call centre, and she has promised to email the relavent department at the SLC- but, needless to say, I am not holding my breathe, hence the letter.

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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They have defaulted on the CCA!!!!

 

Serves them right for completely ignoring it, incompetant fools!

 

Well, this looks like it will be a lot of fun from now on....

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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I have a really good letter now composed to send by special delivery tomorrow.

 

He he he he...

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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Yes, I've finally lost it and am muttering gollum-like about how much I hates-es them.

 

Husband will probably call the men in white coats soon.

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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URGENT HELP NEEDED

So, I've spoken to the SLC. They are trying to say that

 

1) The CCA 1974 has no time limit for how long they take to supply me with the original loan agreements

 

2) As I sent the request to 100 Bothwell Street, and not the specific department who deals with the requests, and this dept didn't receieve the requests until 15/03/07 (instead of the 5/3/07 when the recorded delivery was received), the request only goes from the 15/03/07.

 

So HELP- is any of this true?

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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Emma,

 

Take deep breath......in......and out!

 

Firstly

 

The CCA 1974 has no time limit for how long they take to supply me with the original loan agreements

B@llocks! Your loans are pre 1998 so as far as I am aware and for what I have read stuff em

 

Secondly

 

As I sent the request to 100 Bothwell Street, and not the specific department who deals with the requests, and this dept didn't receieve the requests until 15/03/07 (instead of the 5/3/07 when the recorded delivery was received), the request only goes from the 15/03/07.

Utter B@llocks!!!! The request was received at the office which they give you for the address. IT IS NOT YOUR CONCERN, or the laws that they are inept and their administration cr@p!!!

 

Use your recorded delivery date!!!!! I wouldnt phone them and argue this until they have committed a crime against the CCA which is 12 working days and 1 calander month. So hang fire and get ready to "unleash Hell!"

 

Gooders

If I have helped tip my scales:)

 

I am not a legal eagle, professional accountant, [problem] artist or axe murder so please bear in mind that my advice is just that advice from someone in the same boat as you.......

Claims:

Lloyds TSB Acct 1 - S.A.R - (Subject Access Request)'d/Statements received/£2500ish to be claimed + contractual interest

Lloyds TSB Acct 2 - *WON* over £5K won with compond CI at 28.9%

Lloyds TSB PPI *WON* - CCA'd/They cant find agreement/£2650 awarded

Halifax TSB Closed account issues*WON* - £610 in compensation for an account closed with £10 in it!

Student Loans - 20 Feb 07 CCA'd/on back burner for now

 

Hmmm seems Im on the right end of winning, God that feels GOOD!

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Thanks, Gooders!

 

Yep, after the phonecall this afternoon, there are a few flies with blue rears chasing paperwok in the SLC!

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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Emma,

 

Personally Im quite happy for them to do nothing up to 8 April. I hope they arent now looking for my paperwork too:wink:

 

Lets get this right,......and I have asked un1boy to clarify his statement last night because there is no basis for what he said about all student loans not being covered by the CCA. We know that to be untrue. With both our cases they are in default great! our position is stronger. But not the strongest it can be. If they are in default they can still produce the document after say 12 wds + 1 calander month (-1 day) then they would no longer be in default and payments would have to start again. What I want is form them not to pass me the details and break the law, then my position goes from strong (whilst in default) to practically untouchable!!!!!

in my eyes the very least getting your debt wiped out and with a good clam on all payments made so far.

 

Gooders

If I have helped tip my scales:)

 

I am not a legal eagle, professional accountant, [problem] artist or axe murder so please bear in mind that my advice is just that advice from someone in the same boat as you.......

Claims:

Lloyds TSB Acct 1 - S.A.R - (Subject Access Request)'d/Statements received/£2500ish to be claimed + contractual interest

Lloyds TSB Acct 2 - *WON* over £5K won with compond CI at 28.9%

Lloyds TSB PPI *WON* - CCA'd/They cant find agreement/£2650 awarded

Halifax TSB Closed account issues*WON* - £610 in compensation for an account closed with £10 in it!

Student Loans - 20 Feb 07 CCA'd/on back burner for now

 

Hmmm seems Im on the right end of winning, God that feels GOOD!

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We can but hope!

 

I just like the thought of them running around!

 

No sign of the promised agreements so far.

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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Right, I got copies of the credit agreements today but one seems to be incorrect as it only has my signature- no corresponding signature on behalf of the SLC.

 

I am sure this means the CCA has not been actioned until I have a copy which has both signatures.

 

I'll look into this.

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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Emma,

 

Thats right, it is unenforceable agreement because it has not been signed by you AND a rep from SLC.

 

Scratch 1 loan......WELL DONE!!!!:D Oh and the arrears as well!!!!!!!

 

Go through the others whilst reffering to the CCA 1974 and make sure it complies with all regulations.......if not, write back to them and give them the good news!!!!

If I have helped tip my scales:)

 

I am not a legal eagle, professional accountant, [problem] artist or axe murder so please bear in mind that my advice is just that advice from someone in the same boat as you.......

Claims:

Lloyds TSB Acct 1 - S.A.R - (Subject Access Request)'d/Statements received/£2500ish to be claimed + contractual interest

Lloyds TSB Acct 2 - *WON* over £5K won with compond CI at 28.9%

Lloyds TSB PPI *WON* - CCA'd/They cant find agreement/£2650 awarded

Halifax TSB Closed account issues*WON* - £610 in compensation for an account closed with £10 in it!

Student Loans - 20 Feb 07 CCA'd/on back burner for now

 

Hmmm seems Im on the right end of winning, God that feels GOOD!

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  • 2 weeks later...

Gooders, they have slipped up big time!

 

They sent me new copies of the CCA with my SAR info, except this time the unsigned agreement has been SIGNED!

 

It is the same document which I have already got a copy of, my signature is patently exactly the same as the previous copy but a new signature, apparently 4 days after I signed it, has miraculously appeared.

 

I'm off to get addresses fot the DTI, the ICO(whoever they are) and STudent Loans Co, higher management. Oh and make lots of copies!

 

PS Can you remember the technology they used to prove that confessions that were signed by suspects but later written by the corrupt police officers, were fraudulent?

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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Well Emma,

 

that is interesting!!! and Im guessing a whole world of hurt for SLC, think you may have a really good bargining point there.

 

I cant believe they think they can get away with stuff like that....go get them!!!

 

BTW they sent me all 4 of my CCAs, will need to check them out but at least 1 is unenforceable due to it not being readable!!! Now need to look into charges and arrears.....

 

Gooders

If I have helped tip my scales:)

 

I am not a legal eagle, professional accountant, [problem] artist or axe murder so please bear in mind that my advice is just that advice from someone in the same boat as you.......

Claims:

Lloyds TSB Acct 1 - S.A.R - (Subject Access Request)'d/Statements received/£2500ish to be claimed + contractual interest

Lloyds TSB Acct 2 - *WON* over £5K won with compond CI at 28.9%

Lloyds TSB PPI *WON* - CCA'd/They cant find agreement/£2650 awarded

Halifax TSB Closed account issues*WON* - £610 in compensation for an account closed with £10 in it!

Student Loans - 20 Feb 07 CCA'd/on back burner for now

 

Hmmm seems Im on the right end of winning, God that feels GOOD!

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So, yesterday I sent off my big scary letter of complaint to the Chief Executive of the SLC anf another to the Information Commissioner's Office.

 

I also sent a revised lba, as I had another charge to add to the list. So 14 days, from today, before I start my mcol against them.

 

 

Funnily enough my recorded delivery letters have all been delivered, but I always have trouble finding out when special delivery letters have been received. Typical!

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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Still no word from Mr Seymour-Jackson.

 

Not even a phonecall.

 

I'm waiting........

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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Keeping my fingers crossed for you emma :)

2007 Issues ALL RESOLVED

2008 Issues ALL RESOLVED

£4,200 in charges claimed back succesfully from a total of 5 Creditors

2009 Issues ALL RESOLVED

NEXT Directory - No Agreement, No Further Action **WON**

2010 Issues

Court Claim from Black Horse - AOS 22.11.10, CPR 23.11.10

Assisting Daughter with Employment Tribunal for Wrongful Dismissal/Discrimination

 

:) My Head is officially out of the Sand :)

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