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  1. I hope I get some help with this. A while ago I received a demand out of the blue form a company called CSL (Credit solutions Ltd) for immediate payment of several £X000 for a student loan taken out before 1998. Naively, I phoned them up and was bullied into making an immediate payment for £x and into making additional monthly payments of £x (Then confirmed in a letter from CSL). A short while later they tried to take £(X+more than agreed) out of my account by direct debit. My partner (who happens to have successfully claimed back several thousand pounds from Barclays Bank for bank charges ) immediately saw the irregularity of this. She advised that this debt is statute barred because no contact has been made since the year 2000. I was also advised that the payment I had made did not affect the statute barred status and I was not obliged to continue payments as they had no legal right to continue pressing for payment. The 'statute barred' letter has been sent to both SLC and CSL by recorded delivery. I have since received a 'postcard' from Mr White confirming that he will be visiting our address on an unspecified Wednesday and also several recorded telephone messages asking me to call them. I have then contacted them by telephone to reiterate the fact that the debt is statute barred and therefore I will not be making further payment, only to be told that it is not statute barred because it is a Government backed scheme and therefore the rules are different! I was also told that I had to prove it was statute barred. I made it quite clear I did not agree and told them that I expect no further correspondence except via letter to confirm that they would take no further action. Today I have received a demand for full payment within 72 hours, failure to do so will result in the immediate delivery of papers to the SLC to start legal proceedings. The alleged loan is pre 1998 and since the year 2000 I have had no contact from the SLC, nor have I communicated with them. I have been on the electoral register in the UK for the past decade and during my last correspondence with the SLC I gave them an address for correspondence. No correspondence has been received. The way these ******* have behaved has really got my back up. They have been aggressive, abusive, threatening and devious and yet when I politely called one of them a bonehead he couldn't cope and hung up!!! I will greatly appreciate any help or advice you can offer me regarding this. Thanks. WILLIAM HUGH PIERCE WILL PIERCE
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