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Found 17 results

  1. Today Saturday 4th December Link Financial Just Called To ask about the balance on my 98' loan. The Loan was definately applied for after July 98'. I must have applied for it when I got into second year. They Say I owe £2500. I have heard nothing from SLC since 2004 at least. The lady at link said that there was a £4.90 payment made within the last 6 years when I said that I will status Bar the account. I have never made such payment. Have i made a mistake by even talking to them?? She confirmed my parents address where I have been looking after my late b
  2. Government will prosecute those who fail to repay their student loans on time, warns Jo Johnson The Government has warned it will prosecute graduates from across the UK and overseas who fail to pay their student loans back on time as part of a new strategy. In a statement from Minister for Universities Jo Johnson to the House of Commons, the politician said the new plans were needed to ensure the repayment system remains “fair, robust, and efficient” as the higher education system sees more people gain entry than ever before, due to a cap-lift on numbers. New plans come
  3. Good evening all, I'm hoping you can give me some advice on a Student loan I took out in 96 which has now been passed to a DCA in the last few months due to being sold by SLC (as was) and they are now starting to chase. I went to Uni as a mature student back in 93 and received a student loan for each of the three years of my BA(hons). Since 2006 I haven't paid a penny or acknowledged the debt. HOWEVER, I did send back the deferment forms proving I wasn't earning enough. So, does this count as acknowledging the debt? Or can I assume it's now SB
  4. I also have this letter from SLC about them being non compliant and giving me reduction, but it doesn't say that Eruido or anyone else is taking over. There's no mention of it being sold. I have not been informed of this. Then I got the Erudio deferment pack. A few years ago the SLC refused me my legal rights to deferment and refused over the phone to send me a deferment form, saying that I could only defer for so long and that time had come to an end and now I had to start paying it back. I argued that i wasn't earning the threshold and was told that didn'
  5. I got a letter today from a Student Loans company demanding a little under £5,000. (This isn't the normal Student Loans Company but a company that buys Student Loans.) I have 3 pre 1998 Student Loans (old-style loans). After I left Uni I deferred for a year or two but then I got ill (mental health issues) and even though I wasn't earning anything/enough to pay back the loans I stopped deferring them. I got letters for a while which I ignored and after a while I even stopped opening letters that looked like bills/debt letters etc. After a while the letters stopped coming and
  6. Hi Guys, so far I've found CAG to be fantastic. I got a letter back in July this year from Link Outsourcing about my student loan from 1991 which freaked me right out. Thanks to this site I found out that it was definitely Statute Barred, I read loads of interesting threads and got appropriate wording and sent off a letter as recommeded. I heard nothing so assumed after what is approaching 4 weeks that they had dropped the whole thing and now low an behold I receive a letter from them today. They are now stating that the account can not be cancelled under the Limitations Act 1980 because
  7. Hello to all I have recieved a letter form link financial outsourcing this week over my outstanding student loan. i have had no contact with anyone ove the loan in almost 5 years due to my dire financail situation and i have been constantly moving around. The letter states that i must pay the full amount of almost £7k in full imediatley or face litigation. i called them staright away and told them and told them of my current situation which is that i am on jobseekers allowance, i have no savings and am currently living of the graces of my girlfriend while i look for full
  8. I know this has been aired here before but I need definitive advice on the topic. I am being approached by a company called Link Financial over pre-1998 Student Loans in the form of unsolicited phone calls. I have never paid any of the original loans back and submitted my last SLC deferrment form in 2003 (or perhaps 2002) I have since had no correspondence with either SLC or their collection agencies. I need definitive advice on whether this debt is statute barred and how solid my position is if I choose to use this route. I know there haven't been any CCJs against me in recent yea
  9. Hi guys, Got a quick query about an issue I've had regarding my pre 1997 student loans. My account has been passed to Thesis and I've been trying for quite some time to get copies of the credit agreements. They've sent me through unreadable copies a number of times, to which I requested further legible copies. I've now (much later - months) received copies of the agreement and terms and conditions that are readable but I've noticed a discrepancy between the various copies of the documents I've received. The earlier copies (without legible terms and conditions) have my signature on t
  10. I took out two student loans in 1992 & 1993. I deferred them for a number of years and in 2000 I moved house and forgot all about it. They eventually caught up with me by letter in about 2004ish and I called them and negotiated a repayment of £70/month. When the debt got sold to Thesis there was a period where I didn't pay them anything due to a lack of provision of details of how to pay on their part, but I did resume payments eventually. Last year the debt got passed on again, this time to FFHE, and once again I was told to change my standing order details. The details are h
  11. Hi there, I’ve been reading these forums for some time now, and find them extremely helpful and informative . I have a long-standing loan for a substantial amount (student loan: over 30k including interest and counting) with Natwest. They’ve recently passed it on to Capquest, who have been inordinately unhelpful and obdurate to say the least. (Listening is not one of their strong points evidently.) I’ve sent the CCA request already, as well as deed of assignment request. The CCA came back already as requested, and the deed of assignment was not provided as they say they are acti
  12. Hello, I hope that you can help with this query. I took a Student Loan in 1991. Did the original terms state that the loan would be cancelled after 20 years of continuous deferment (which I recall)? If so, do these terms still apply now, even though the period has been extended to 25 years? Is it possible to obtain a copy of the original terms of the contract? Many thanks
  13. I know it might be too early to worry, but here goes. I am a final year student (4th yr), an EU citizen, and I first applied for student finance in my second year (2007-2008). I got the full Maintenance Loan and Grant for 2008-2009. Applied again next year. Got the same support for 2009-2010. This year, when I applied, I received the first instalment of Maintenance Loan and Grant, and then, all of a sudden, my application was transferred from Birmingham LEA to the central SLC office, something called Migrant Worker Team. After a long documents' battle, the "team" decided I was not el
  14. Hi all, Some history: I have student loans from 98 to 2001. I was paying my student loan in the UK via pay as you earn system for 3 years. No problems. In 2004 I moved overseas and continued to get paid in the UK for almost a year, again no issues. I then moved overseas fully and completed the overseas assessment form shortly after. This was assessed at a set monthly rate, I guess based on my overseas income converted into pounds at that time. My only issues with this was that the only convenient way of paying it back is using my overseas master card and paying their fees plus an additiona
  15. Hi Everyone, sorry i'm new to this site - but hope someone can help. I've just received several phone calls at my parents house, from a number that belongs to Link Financial. My mother took the details, and said that she'll pass on the details to me... It appears they are chasing me for my students loans which were taken out before 1998. I believe they're the 'old type top up' loans, and that serious changes were made from 1998 onwards. I kept deferring the loans, due to low income, until the summer of 2002 and then - due to minor illness, defaulted on t
  16. Hi All, Firstly, I would implore any other first-time posters to write any lengthy posts like these in a separate program and copy paste, as I just spent ages writing this, only to lose it all when I hit “Preview Post” as I had been logged out!!! :mad2: You never know, maybe this version is more concise!: Been reading this site quite a lot recently due to recent contact with Link. The sheer size and number of threads is a little overwhelming - especially for a "forum novice"! I'm after a little advice on my situation, so here's the rundown: 1995/96, 1996/97, 1997/98
  17. 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
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