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Will Goodfellow

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  1. Where creditors agree to a set-aside application, it's called a consent order, the creditor does not have to agree to it, and all it does is reduce the application fee from £255 to £100. There is still no guarantee a judge will set-aside the CCJ with a consent order or not. You might end up paying £255 and the judge denies the application.
  2. Check if you're eligible for help paying the set-aside fee, you might not have to pay: https://www.gov.uk/get-help-with-court-fees
  3. Yes, you'll receive backdate severe disability premiums from the date of the origninal decision in Dec 19. SDPs are one of the rare benefits which can be backdated indefinitely anyway where they haven't been awarded. There have been cases where SDPs have been backdated years where a person was entitled and didn't receive them.
  4. The form entitled "application for debtor attend court for questioning" sounds like an N316 which is an application to summons you to court and obtain information about your income and any assets which you have. If you receive a hearing date, you have to attend or provide a reason why you can't otherwise you can be found in contempt of court. Is the form completed or blank?
  5. It doesn't really make sense that they are threatening to take you to court to 'reclaim monies owed' as you state, they've already taken you to court and have a CCJ against you. That is unless they mean taking enforcement action or submitting an N316 application.
  6. Why would I make stuff up, or BS as you suggest? It takes a few seconds searching to confirm what I said is true: "When Honours Trustee Limited purchased the loans in 1999 it entered into a contract with the Student Loans Company to continue to manage the loans. This contract terminated in October 2004 and HTL transferred the administration of the loans to a third party administrator who serviced the loans using the trading style of Honours Student Loans (HSL). In January 2016, the administrator was changed by HTL from Capita Customer Management to Link Financial Outsourcing with the Honours Student Loan style remaining in place." https://www.hsloans.co.uk/about/ You're trying to tell me things I already know, see post #8 where I state: "Honours Student Loans...is a trading name of Link Financial Outsourcing Ltd." Obviously if a money claim is made, HSL would have to provide evidence that the loan was in arrears if the claim is defended.
  7. According to the letter from HSL, you have an outstanding balance of £588.93 which is due as you didn't correctly defer. You can pay the arrears or dispute that you owe them for whatever reason. HSL could make a money claim against you in county court if you don't sort out the arrears.
  8. Yeah, by 2014 they were all sold. Honours Trustee Limited originally bought them in 1999 not 1998 and were then transferred to Honours Student Loans in 2004. Eventually administration being transferred to Link Financial Outsourcing in 2016.
  9. SLC has always processed deferments for Honours Student Loans and Thesis, it was never placed "back in control" as you claim, that was part of the sales and purchase agreement when the loans were sold.
  10. No, leaving it is not a likely option unfortunately. HMRC will calculate how much you owe and you can then either agree with or dispute that amount.
  11. They've stopped the claim as you told them you were no longer a single claimant so a change of circumstances triggers a move to universal credit which has now replaced tax credits. HMRC will contact you at a later date with the amount which you have been overpaid and will expect you to repay it.
  12. Yes, I read the letter, what's your point? Mortgage-style loans are no longer administered by the SLC, they were sold and are now administered by completely separate companies to SLC.
  13. The debts were all sold off by 2014, the SLC no longer manage them at all. There would have been no point in selling them if they had to still manage them after the date of the sale. The purchaser can enforce the original T&Cs as they now own the debt. What makes you think that SLC still manages loans which were sold off years ago?
  14. Not if there's a CCJ. Defaulted in October 2008 so it's possible that there is and it's still enforceable.
  15. Honours Student Loans is one of three companies which purchased mortgage-style or fixed term student loans from the Student Loans Company in 2014. It is a trading name of Link Financial Outsourcing Ltd. In this case they are not acting as debt collectors, they own the debt. "Thought i didn't Have to repay till aged 55" I think you are confusing the terms of the loan agreement where there is a possibility of the loan being written off when you reach the age of 50. Where you are behind with any payments, ie you did not defer properly and there is an outstanding amount owed, it won't be written off: "12. The lender will cancel the borrower’s liability to repay the loan if the borrower— (a)dies, (b)is not behind on any repayments under any agreement for a student loan and— (i)was under the age of 40 when his last agreement for a student loan was made and he reaches the age of 50 or when the last agreement for a student loan has been outstanding for not less than 25 years, whichever is the sooner, or (ii)was aged 40 or older when his last agreement for a student loan was made and he reaches the age of 60, or (c)if the borrower can show the lender that he gets a disability related benefit and because of his disability is permanently unfit for work." https://www.legislation.gov.uk/uksi/1998/211/schedule/2/made
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