Jump to content


Registered Users

Change your profile picture
  • Posts

  • Joined

  • Last visited

Everything posted by fermi

  1. You mean agreements under the CCA197 surely? BTW, they did actually issue the old type loans to continuing students after 1998. It was freshly start students that went on the the new style ones.
  2. 1998 I don't have copies of my earlier ones at the moment, so can't say if they were the same.
  3. In that case........... http://www.consumeractiongroup.co.uk/forum/show-post/post-162366.html
  4. Student loan debts are not clear by bankruptcy. Sorry. If I am made bankrupt, will I still have to repay my student loan?
  5. On a similar topic... BBC - BBC One Programmes - Panorama, Swimming with Loan Sharks Outrageous.
  6. Their legal advice is very dodgy. http://www.ico.gov.uk/upload/documents/library/data_protection/detailed_specialist_guides/default_tgn_version_v3%20%20doc.pdf
  7. A face to face interview is just standard for a creditor petitioned BR. Not necessarily going to be more intense than a telephone interview. Depends more on your case than anything else. Don't stress. It's really not that bad...........
  8. No. Trotter's Independent Traders acted far more legally, honestly and with much higher moral standards than the average DCA.
  9. s127(3) repeal Consumer Credit Act 2006 (c. 14) The Consumer Credit Act 2006 (Commencement No. 2 and Transitional Provisions and Savings) Order 2007 No. 123 (C. 6)
  10. Assuming that the debt (or future liability) existed before the bankruptcy and is of a sort that would normally be cleared, then it is covered whether declared on the original forms or not. Considering that a lot people going through bankruptcy are a 'tad' stressed, this is pretty common and the OR/trustee see it frequently. Contact your former OR/trustee and pass the paperwork on to them.
  11. They probably mean 'Excerpt'. Easily done. (Especially if you are using a spell checker and don't look hard enough at the suggested corrections. )
  12. :rolleyes: http://www.credittoday.co.uk/news/news-item.cfm?news=1359
  13. Well, I would still advise contacting Business Debtline all the same. With these things, a 2nd/3rd opinion all saying the same thing helps reasure you that the creditor is indeed talking out of their ********.
  14. It is pre-bankruptcy liability, so it is covered by the bankruptcy order. Natwest are talking nonsense. Insolvency Act 1986
  15. Maybe they should have held on to all those CCA £1 postal orders that they returned saying that they "don't accept them"?
  16. Don't feel tooooo guilty. If the debt was SB, they probably only paid pennies for it in the first place.
  17. Just saw that as well. No reference to genuine help though online. BBC News | 'Misleading' debt firms shut down
  18. Not only that, but from a previous search of the ICO website.
  19. Not even threatograms. Just vague threats over the phone. To be honest the girl I spoke to hadn't the faintest clue, and just kept on repeating the threat. Ignorant threat monkey basically. That was 2 months ago. Not heard a peep since.
  20. Are you sure of that? The clause below is from a genuine SLC agreement of about that time.
  • Create New...