does their sending letters count as contact or do they have to actualy speak/get a response from me for it to count, i've had phishing letters over the years but just ignored them - will they try and claim these letters as contact?

Many thanks, will wait for now just hope my nerve holds...

Hi there, A couple of months back I recieved a nasty letter from SLC demanding repayment of pre 1998 loans with help from this forum i established that my debt should be well and truly Statute Barred and that it was most likly a phishing letter so I ignored it. Today I have recieved a letter stating if I do not pay within 7 days my details will be passed to Northampton Bulk Centre Court who will issue a ccj against my name. If this is a phishing letter it is a damn scary one! What I need to know is how do I get the debt registered as being Statute barred? I've seen the letter template on this site but if I send it to SLC is that not classed as "contact" thus invalidating the conditions of stute barred? Is it better to wait fo contact from this court and submit it to them? a really simple step by guide would be great - I am terrified that I will invalidate my only defence by making a stupid mistake at this stage. Any advise would be great ta.

Letter states the following: IMPORTANT - YOU SHOULD READ THIS CAREFULLY Notice of Sums of Arrears Dear Sir Your Loan Agreement(s) with us ref# The opening balance under your Loan Agreement(s) as at 01/05/09 £xxxxxx. 1. This notice is given in compliance with the Consumer Credit Act 1974 because you are behind with your payments under your Loan Agreement(s). IF YOU CURRENTLY HAVE AN AGREED ARRANGEMENT IN PLACE, YOU DO NOT NEED TO TAKE ANY ACTION, If you do not have such an arrangement in place, we would encourage you to contact us on 0870XXXXXXX to discuss the state of your account. 2. By condition 4.1 of each of the above Agreement(s) you undertook to repay the loan(s) (with interest) by monthly instalments; staeting the month of April following the date you ceased to attendyour course, and on the dates notified to you. 3. tou have breached that condition in each of those Agreemens by failing to pay maintain monthly installmentsor in whole commencing on. 4. Total Due under all the Adreement(s) taken togeather : £xxxxxxx 5. (a) Payments recieved to date:0 last recieved :0 © interest amounts 0 last applied 0 (d) Court fees:0 6. to remedy the breach in respect of each Agreement you must pay us the amount of the arrears due under that Agreement on or before 16 days from the date of this letter. IF YOU HAVE ALREADY MADE AN ARRANGEMENT TO DO SO, THEN NO FURTHER ACTION IS REQUIRED. 7. Default sums and interest You maty have to pay default sums and interest in relation to the missed or partly made payments refered to in this notice. Please contact us if you would like further details. This notice does not take account of any payments recieved after the date of the notice in addition to any default sums and interest included in this notice. 8. Notices For so long as you continue to be behind with your payments by any amount, you will be sent notices about this at least every six months. We are not required tosend you any notices more frequently than this even if you get further behind with your payments in between notices. to contact us Tel 0870xxxxxx etc etc. Phew I haven't typed that much since I was at Uni ! Thanks in advance for any help and advice on this.

Have just recieved the letter and it makes no mention of defaults or credit reporting agencies. It reads very much like a phishing letter asking me to contact them but makes no mention of what will happen if I dont. Is it worth sending the staute barred letter or will that just let them know they have the right contact details for me and so make them more determined?

Hi this is my first forum so any help/advice is appreciated. I have unpaid student loans from pre 1998 and went through years of poor credit after dropping out of Uni which i presumed was related to these. the SLC has recently tried contacting me again (standard letters and phone calls twice a day for two weeks) but I have not spoken to them or aknowledged the debt for over 10 years. From reading other posts it appears I may have a case for Statute barred in which case is it worth contacting them to state this or shall I wait for them to demand money first? Also I've read recently that they may report me to the CRA's as having defaulted on the loans which means bad credit for at least 6 years - can they still do this even if the loans are Statute Barred? I've Just started getting my credit back I dont want to lose it all again. many thanks,