I thought I was the only one who had noticed this little game that HSL and Student Loans like to play. Unfortunately I cant share with you everything I know but basically I sat for several years in a chair hearing calls from students telling me they had sent the forms to the company who denied receiving them, by this time the process had got to court. Probably thousands of students were made to pay back their loans even when they normally should not have been paying them back. However by getting a court judgement the company could then change the terms and make the loans like every other debt. In other words get payments below the normal wage thresholds. As a graduate I knew that people were telling the truth and in any case when you have heard the same story enough times you know but in the position I was in, nobody wanted to hear me. Plus in addition I am still having to defer loans myself and have a file pretty thick now since 94 of the numerous complaints I have myself have had to submit. Now abroad the company are finding excuses to write to me several times a year and guess what even though they have had my new address for nearly 2 years they are still sending the odd deferment form and letter to my old address. Moreover one of my deferrmen forms has arrived late of course. Still the complaint letter has been sent, copies have been taken of everything and its all gone by registered post. Know anyone picking up this thread that you are right, these **** bags are not playing by the rules.