Yes, that's right - all my deferments still go through SLC. I’m self-employed so the only reason I have to send my bank statements is to show my disability benefits (which aren’t counted for income purposes anyway). Rather than print out about 20 pages of statements and then spend hours redacting most of the transactions, I’ve always just sent a 1-page statement generated from a search for the relevant transactions. This has been accepted every year until now but was rejected this year as the document didn’t have my address on it (it did have other info though that could be used to prove it was my account). There’s a letter about it in my SLC account but I didn’t receive the one they claim to have posted and didn’t see the online version until after I discovered there was a problem. I did write a complaint to SLC but they just blamed me, saying I should have included statements with my address on them. I made the payment 110 days ago so I’m just within the chargeback timeframe. What evidence can I give that I didn’t actually need to make the payment? Are there guidelines regarding when the loans companies are supposed to agree to backdate deferments by 3 months? Also, is there anything I can do to prevent Erudio and Thesis from adding defaults to my credit file? I’m not bothered about the threat of court action but I don’t want them ruining my credit rating. Thanks a lot for your help and happy Christmas!

SFE are Student Finance England (the Student Loans Company). SLC sold 2 of my loans to Erudio and 2 to Thesis so they now both believe I'm in arrears to them. What should I do now?

I’ve got some student loans from the late 90s and have been deferring them with no problem until this year. For some reason, SFE decided not to accept my bank statements (they were in the same format as they’d been every other year) but I didn’t receive the letter they apparently sent telling me this. The first I heard of the issue was an arrears letter from Erudio in the summer. When I spoke to them, they explained what had happened and so I reapplied for deferment and was accepted, with the start date being July rather than the original May. In the meantime, Erudio forced me into paying nearly £200 to stop them from defaulting my account while the deferment was processed. Since then, I’ve received another letter from them demanding the rest of the alleged arrears and today I’ve received a similar letter from Thesis. Does anyone have any advice on what I can do to avoid paying them and to get my money back?

Hi, I parked my car in a pedestrian street that allows blue badge parking but received a PCN for being “parked in a restricted street during prescribed hours’. I contacted the council to make an informal appeal but they’ve just replied saying the PCN is valid as I’d been parked for more than 3 hours. I wasn’t aware blue badge holders can park in no waiting areas (I thought they were treated the same as no stopping areas) so I only parked there because there was a blue badge sign. I thought this overruled the no waiting sign and meant I could park for as long as I liked as there were no yellow lines on the road or anything else to indicate any restrictions. Here is a photo of my car and the sign. Any help appealing against the PCN would be greatly appreciated. Thanks.[ATTACH=CONFIG]55349[/ATTACH]

Hi, In August I booked to do a training course but it turned out to be a complete waste of time and money. It was very expensive (nearly £5000) so I asked the trainer for a refund. Unsurprisingly, they refused. I therefore contacted Barclaycard to make a claim under section 75 for breach of contract and misrepresentation. This week (2 months after I submitted the claim) I received a letter from them asking me to call them. When I did I was informed that they’re rejecting my claim as the supplier of the course used PayPal as their credit card processor. I’m aware that payments made using the PayPal website aren’t covered by section 75 but I didn’t pay in this way - I gave the supplier my credit card details over the phone and they presumably used PayPal’s virtual terminal to process the payment. My understanding of this is that paying in this way is just like using a card machine from any other card processor and it should therefore be covered. Can anyone give me any advice on how to proceed? Thanks!