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debsmelvin

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Everything posted by debsmelvin

  1. It isn't the CCJ it's case details that i requested from court itself particulars of claim, case no and date of judgment by default together with copies of my original loan application. The £55 per month was paid in relation to this case number. I have never had any other ccj's other than this. Only found out I had CCJ in 2009 when SLC finally tracked me down
  2. Yes I have letters from SLC accepting £55 per month agreed on temporary basis. Have copy of CCJ judgment in default and my original student loan agreements
  3. Yes by letter . They (SLC )wanted £160 per month but accepted £55 and paid it monthly until oct 2013 when I stopped because I could not afford it.
  4. Paying £55 to student loans company themselves
  5. Yes have been sending annual statements to me each year. Is this just a normal CCJ now regardless of that it is a student loan?
  6. I was paying £55 per month until oct 2013 from 2010 when they caught up with me. Relates to study from 1992 so mortgage style loan. Can CCJ after 6 years be enforced without them applying to court? What would happen then? Do you have to declare to court income and assets?
  7. I have received a letter from drydens fairfax solicitors threatening bailiffs, putting a charge on my house and attachment to earnings - standard stuff I think from reading other posts on here. My CCJ was received in default judgment in 2005 and since then I have been paying £55 per month. I stopped paying it because I simply could not afford to pay it. I am on disability benefits and my husband is a pensioner. I want to know what is the worst they can do to me. I do not want to complete their income and expenditure form as I know they will expect me to pay £200 per month or something ridiculous. If I let them take me back to court what would happen? I am really aggrieved about this because I have never earnt over the deferment level since I left university but because I did not complete deferment forms they got judgment in default. Am I ever going to be rid off this student loan?! My husband is worried about this and thinking of using his lump sum state pension payment to settle my debt of £4000. I really don't want him to have to do this but do you think drydens would accept a much reduced figure since they have paid peanuts for my debt?
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