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In October 2016 I took out a loan online from the sister company of the O University (OU), OUSBA for close to 7.5K (for 2 modules). The repayments were 500 a month. After a few months my circumstances changed and I was unable to make those repayments. I arranged with OUSBA to pay a token payment of 60 a month until my circumstances changed. My circumstances became increasingly worse. I had and still have a lot of trouble with the OU - namely they refused to grade my end of year work because it was submitted a couple of days past the deadline. However, this was due to malfunctioning software provided by the OU. I have been appealing this decision (and other issues that I have had with the OU) for the last 6 months. It has meant that I do not receive my degree. It has been extremely stressful and has impacted negatively on my health as well as resulting in a loss of earnings. Given all this I was unable to make one of the token repayments at the beginning of November, but paid it by the end of the month. In January I received a letter from OUSBA which was dated the 23rd December 2017. In this letter they refer to a Default Notice from the 25th November 2017 (which I did not receive) and said that they were terminating the agreement. The last of my payments however was on the 21st December 2017 (2 days prior to this letter). I wrote to them explaining the situation and asked that they revise the termination. stating that I wished to continue with the token repayments until the situation changes. I told them that I could provide a letter from doctor and also proof that I am currently unemployed. They wrote back simply saying that the agreement has been passed onto their legal agents, STA International and I need to contact them. A few days later I start receiving calls, SMS messages, emails, letters from STA International that state I must pay the rest of the loan 6.5K in full and I must respond to them within 14 days. I am extremely nervous about this (I suffer from anxiety and the stress of dealing with the numerous issues with the OU has significantly intensified my condition - I receive weekly professional help with it now) I do not have this money, as mentioned above, I am currently unemployed and struggling to make ends meet as it is. I don’t want to make any mistakes in dealing with this. Can anyone advise me on how best to deal with this situation. Can STA take me to court? What’s the worst that can happen? I am truly at my wits end after all of this. Any advice would be greatly appreciated. Many thanks