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Munirs

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About Munirs

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  1. Fair point, about nailing the colours to the mast! Will do. Thanks
  2. Well, I haven't moved in 20 years - except for 4 years in Australia. So they just had to send the letter to the address pre-Australia. But I do feel like they are trying to bait me and see if they get lucky The SB, in this link? https://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=65092&d=1476888386 I read here that if a debt is statute barred, I don't have to do anything at all? So can I just ignore this whole saga? I called Barclays but they have no way of verifying the details and asked me to give them details of the debt company to which I said I'll get back to them. I didn't want to give them those details until I understood the ramifications fully. If the link I have included here is the template, I am happy to print it off, amend it and then send it off tomorrow. Thanks for all the help.
  3. Again, just give barclay card a ring tomorrow and come back to us =============== Will do and thanks
  4. relax, and give them a quick ring tomorrow morning ============= Thanks. I can call Barclays, but hope this doesn't constitute any sort of admission to the debt. Therefore, if they say is it the account where you had owed some money, I'll have to say no or I don't admit to anything being owed? I'd rather not liaise with Cabot at all. If I send them a statute barred letter, what if they ignore it and chase the debt. Can I ask them for the original contract?
  5. Hi I had a debt with Barclaycard in 2004/05 for £476 and then facing financial trouble, I have an IVA in 2007/08 which failed because of emigrating to Australia for 4 years. Since 2006/07, I had no contacts with any financial companies and didn't pay any money to anyone, other than GE. I have come back to UK and since then paid off GE. But, I have no communications from any financial companies. I checked my credit history and there was nothing showing from any financial debts from 2006/07. I did get in touch with Barclays but that was for a PPI claim which they paid up. I am now suddenly being chased for that debt with Barclaycard from 2006/07 by a company called Cabot Financial. In the letter they sent me, it says they'll send a company called ResolveCall to visit me and discuss the debt, if I don't call them within the next seven days. My question is I am sure the debt is statute barred. I have never made any payments to Barclays since 2007. What are the next steps - bear in mind, I haven't contacted them and I have never admitted to the debt to them. Thanks for your help
  6. I did SAR SLC unlike what I said in the morning. I wouldn't mess up that as it costs time and money. I see so many of the threads here end suddenly without any closures from the OP and just wanted to give out my final update. I know I rushed it but hey an update is better than no update.
  7. Just re-read the whole thing and what dx100uk said is correct: It was nothing to do with my loan
  8. Just an update on this: I tried different machines to log into the Student loan England site even using work laptop but kept getting the same issues. I had at this stage sent a SAR to Erudio too. I then decided to call Student loan England, not Erudio. I picked option 1 when I called them which is the one about having problems logging into the site. The automated system will ask for a cust ref which I just entered some random numbers because I don't have that anymore. At this stage, the system keeps trying to get that ref and it can drive you nuts After a while, the system does send your call to a real person. Yay! However, be prepared to be asked about your full name, dob, first line of address, postcode, tel no...Even if that was years ago and you had moved few places in your life since  You can call them twice and if you get it right within that you can have password resetted like in my case but if you get it wrong after the second call, you'll have to send in documents to support your identification! Happy to say I have since managed to complete the app form on the initial laptop too! Cheers all for reading this and special mention to dx100. Thanks a lot dx100! Hope this helps someone
  9. tried it from the Laptop and from my tablet, no success sane issue
  10. Thanks Dx, Will try that tonight and if that fixes I might even !! Sending the SAR now. Can the DCA take court action before responding to SAR and they must delay the action until SAR has been sent?
  11. When I try to login to the site at Students Finance England with the url logonDOTslcDOTcoDOTuk/cas/logon because I am parent and need to provide information to support my daughter's application I don't remember the password and it asks me for name and DOB and I do supply these but site crashes with this (note tried the registration route with exact same outcome) I get this error: An unknown error has caused the application to stop working. The information you entered on the last page may not have saved correctly. This could be a temporary error. You can try again later (we suggest you allow a couple of hours). If you continue to see this message when you try again, please contact Student Finance England. Stumped!
  12. Didn't know about the CAGmail feature! Great feature by the way!
  13. I was hoping to get some answers tonight so I have a way to get my daughter's student loan app (Parent supporting form) off soon...So apologies for the bull in a china shop approach SAR, can this stop or delay a DCA from applying to the court? Nothing of the sort has happened - just thinking ahead. A SAR template: [ removed as it says at the top..please dont post in the open forum..- dx]
  14. Hmm Once earnings are over the threshold, you pay the outstanding amount over 60 months (84 months if you have more than 4 loans). In other words, a full repayment in my case - assuming I am not taking the offer of discount at 20%, it would come to £76 a month roughly. A 20% discount gives roughly £3628 as outstanding so the monthly is just over £60 a month. I am leaning towards paying this - good for record and my heart Please feel free to share your opinions and helpful tips. Appreciate all help thank you Ha ha ha.... Seems this is a right mess!! Read on: Between 2008 and March 2014, the SLC made a long-running error in correspondence sent to borrowers with pre-1998 loans who were in arrears. The SLC says nobody overpaid their loans, or paid any additional charges or interest because of this mistake. But as it "potentially" broke the law by failing to disclose arrears correctly, all interest payments and charges borrowers paid from the moment they received their arrears letter from the SLC, until their loan was sold to Erudio last month, will be refunded. Here's what happened: Any borrower who missed two or more repayments received a letter from the SLC saying their account was in arrears. Students who went to university before 1998 often have more than one loan to repay. But the SLC sent a combined Notice of Statement in Arrears (NOSIA), which detailed a borrower's overall arrears. Crucially, it should have sent individual NOSIAs, which break down the separate arrears for each of a student's loans. This blunder was spotted when the loan accounts were transferred from the SLC to Erudio Student Loans this year (see the Student loans sold MSE News story). The SLC says the mistake means it may have breached the Consumer Credit Act, which was changed in 2008. Maybe why they are willing to offer 20% discount? Might be a better option to tell them that I was expecting the refund from the blunder and see where that takes me? Turning this into the mother of all Erudio threads in here, hopefully with the aim to help people in my predicament Interesting approach... Statute Barred? From CAG OP:sequenci2012 thread: Can SL be statute barred? Yes, 100%. Both old-style (e.g. pre-98) and new-style student loans can become statute barred subject to the Limitation Act. The limitation period is 6 years. The only difference between old and new style is that new style loans can be recovered from ongoing PAYE tax - even after the 6 years limitation period is up. FURTHER ON, under the same thread: Student Loans are an unusual case, as they changed in September 1998. Any Student Loan taken out before this date was a consumer crediticon agreement, which means the limitation acticon 1980 applies. But any Student Loan taken since then is an ‘income contingent’ loan – so repayments can be deducted from your wages without any court involvement, regardless of how old the debt is. If you want to take that approach, here's a template for a statute barred letter: (Your home address) __________________ __________________ Date:______________ To: without prejudice Dear Sir/Madam Account No: You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves. I/we would point out that under the Limitation Act 1980 Section 5: “An action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued”. I/we would also point out that the OFT say under their debt collectionicon Guidance on statute barred debt that: “It is unfair to pursue the debt if the debtor has heard nothing from the creditor during the relevant limitation period”. The last correspondence/payment or acknowledgement of this debt was made over six years ago and no further acknowledgement or payment has been made since that time. Unless you can provide evidence of payment or written contact from me/us in the relevant period under Section 5 of the Limitation Act, I/we suggest that you are no longer able to take any court action against me/us to recover the alleged amount claimed. The OFT Debt Collection Guidance states further that: “Continuing to press for payment after a debtor has stated that they will not be paying a debt because it is statute barred could amount to harassment contrary to section 40 (1) of the Administration of Justice Act 1970”. I/we await your written confirmation that no further contact will be made concerning the above account and confirmation that this matter is now closed. I/we look forward to your reply. Yours faithfully (Your signature)
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