Ah so perhaps remaining invisible may be a better plan after all. Would the student loans be able to track me through the same process and if so would they be able to deduct direct from my paycheck? Would they bother going to court to try to prove that I was avoiding them? And if so how would I be able to prove otherwise? The thing with my employer is not really a big deal , he would prefer if I had my own account but will continue as is.

She could, but i have full access as it stands and I carry a letter of consent to use in case of any officiousness at the till so there is no real problem using the account. Its more a case of wanting to clear this up and go back on the record as it were.

Thank you for the reply. I will be sending the statue barred letter to them by registered mail on Monday. The student loans were taken out pre-1994 so they are the 'old-style' one which I believe, from doing some searches on these forums, are subject to the statue barring. But im a little unsure on that score.

Hello, I'm quite new to these forums but I have been so far extremely impressed with what I have seen so far and the work you chaps have been doing. Now, I am in a situation where I had a bunch of debts, including student loans, which since I went down under for a year (seven years ago) I have not acknowledged in any way and all correspondence has been returned 'NOT KNOWN AT THIS ADDRESS'. I have also been using a spare bank account of my sister's which she was kind enough to give me on my return from Australia. It has been 7 years since I stopped any kind of contact with any of my loans or banks and I have recently just tried to open an online bank account, which is pending countersigned documents. Today I recieved in the post a letter demanding 600ish pounds from my old Lloyds loan. I have only just moved into this address so can only assume that my address has been grabbed when the online bank did a credit check. So, would I be wise to continue down the road of ignore and carry on with my sister's account, which my new employer isnt keen on, or should I send the 'statue barred, 6years, now please leave me alone' letter? I'm very apprehensive about getting in contact with these people, my girlfriend is pregnant and we do not want idiots banging on the door etcetc. Also is my student loan subject to the statue barred law? I have heard somewhere that it is not and I would be liable to direct deductions from my paycheck? Another question, would getting all my old debts statue barred clear my credit record in any way or would I still be a nono for mortgages etc?