Hi Keffs, Thanks for the reply. I actually raised a complaint with the SLC re: poor correspondance with overseas customers. Long story short, after 3 weeks of no response after rejecting their request for me to send personal information information via email (for a trivial question that applies to all overseas people), an individual from the compliants dept called me. We discussed the compliant and my situation, and he promised to help with both. So far, he's printed out a statement, scanned it and mailed it to me (so they can do this via email when they initially claim they can't). There's no charges listed, but discrepancies in it against some details an advisor told me on the phone 2 weeks previously. The interst charges seem inconsistant with the fixed interest rates they publish on the website (they go up and down) and the amounts seem excessive sometimes. So I stated that I would like to dispute these transactions for investigation and suggested a full audit on my account (their software should be fully auditable). This was all done via email - and I've had no reply for a few days now...

Wow it's been a few years since anyone added to this thread, but the info here is priceless - thanks Badger. I've started my own thread also, it's showthread.php?304653-Student-Loan-Company-Help-from-Ireland-please It seems like they're constantly getting people's addresses mixed up, no doubt this is due to their backend computer systems - perhaps a government audit is in order? It's intersting to know that the charges they apply are not legally enforcable - somehow I owe a total of £16.5k from a loan of £10k or £13k (yes they can't decide how much I borrowed!) - and I'm now wondering how much of this total is made up by charges. I'll let you know how it goes with my thread on this thread - as I hope to get this resolved asap. If anyone has any advice, please by all means let me know

The first step I think I need to do is to see exactly what transactions have come in & gone out of my bank account regarding the SLC. Called my bank today to try and backtrack all the transactions of my account regarding this loan (20 in total - and I have exact dates), but was told quite abruptly a few times that they could not see any transactions past the last 6 years as 'due to regulations, all transactions are deleted after 6 years'. After disagreeing a few times with this & speaking to a supervisor, magically the person could see transactions on their system dating back to 2001 (10 years). For the remainders, including the 2 'cancelled' transactions, well these were back in 2000, and so statements have been order and will be sent to me. I wonder how long these will take to reach me as compared to alleged communications sent by the SLC? Need to double check these then move onto getting a full & complete breakdown of the account I have with the SLC. If anyone has any more ideas, I'm all ears!

Hi Rebel11, Thanks for the reply. > Thread moved. Theres some info in (6) and (7) in my signature. I thought I had this in the right place originally, in line with all other queries from the SLC: The Consumer Forums -> The Consumer Forums Retail Goods and Services -> Non-Retail subforums -> Students Thanks,

Unfortunately, I don't think there's much you can do. Cars sold privately, are usually sold 'as is' i.e. no warrantly - hence why garage sales are a little more expensive. Yes this person lied to you, but that's the name of the game when it comes to selling things - you never give a negative answer to someone who's willing to buy something from you (even in corporate sales of anything) It may be a good idea to take a mechanic with you when you're looking to buy a car, just to give it a quick once over - but this costs, unless you know someone who's willing to do you a favour. You may possibly have some sort of comeback re: the recent MOT. If it passed one recently, and there's numerous faults with it, this could be your trump card. It may well be worth asking the test centre to retest it and fix the faults given they gave it a passed cert - or you can go to the MOT central body and report them. If the car is not roadworthy, they shouldn't have passed it, and they may get reprimanded for this. Keep the passed cert though - don't ever give it back to them! I'm surprised the seller even responded to you after you bought the car, they clearly knew what they were doing. It's a tough situation and it sucks, but mostly we learn from such mistakes.

Hi all, Just been reading a few threads on this site re: SLC and how horrendous to deal with they are (thought I was the only one!). OK, I'll try to be as concise as possible: - started loan in 1998 - account was cancelled & a new one started in 1999 (was going to leave originaly uni & go to another but didn't) - graduated in 2002 (4 year course) - paid a tiny amount back in 2001 (sandwich year) - £6.00 - earned under the threshold from 2002-2003, paid a tiny amount - £2.14 - moved to Ireland late 2003 & made overseas payments (lump sum) each year 1) One of the biggest problems I've had with them is their consistent ignoring of the fact that it takes 2-3 weeks for their letters to reach (if they do) - and their deadline for responses is typically 3 weeks from the date in their letter - which is obviously impossible. I've raised a complaint for this (their auto-responses infuriate me) where they then asked for me to send personal information via email (I refused of course) and after 3 weeks of no response - demanded an update, of which I recieved a feeble apology and clarification that they now use 1st Class International postage (which still took 3 weeks to get to Ireland). 2) More seriously - I think they are trying to defraud me. I haven't recieved a statment from them in years, let alone a complete breakdown of the amounts I recieved from them and what I've paid back. Last Friday I managed to get a lady on the phone to talk me through all money they have lent me, and all amounts I have paid back. It seems there's a misunderstanding on the actual full amount I borrowed. After going through all the money they lent me - there were 2 amounts which were cancelled. i) If these amounts were ignored, I would owe them £10,601 ii) If these amounts were included, I would owe them £13,281 From what I remember of the statements I had since before I graduated - the figure in ii) seems like the one they're working from. Now without applying any interest on these amount from 1998-present - I have paid a total of £7,489 back - and somehow, they claim I owe them just over £9,000 more. There's something seriously not right about this. I have the historical interest rates (5 different rates for the 2008/09 year!) and have not applied these yet - but £16,000 back on a £10k or £13k loan is wrong. I need this sorted asap, but their complaints dept are awful and the customer care representatives on the phone don't have much power and give a fair amount of white lies. Any help is appreciated please! (I havle an Excel sheet with all transactions (no fees on it at present - at least none they have told me about))