Jump to content

Search the Community

Showing results for tags 'student'.

  • Search By Tags

    Type tags separated by commas.
  • Search By Author

Content Type


Forums

  • The Consumer Forums: The Mall
    • Welcome to the Consumer Forums
    • FAQs
    • Forum Rules - Please read before posting
    • Consumer Forums website - Post Your Questions & Suggestions about this site
    • Helpful Organisations
    • The Bear Garden – for off-topic chat
  • CAG Community centre
    • CAG Community Centre Subforums:-
  • Consumer TV/Radio Listings
    • Consumer TV and Radio Listings
  • CAG Library - Please register
    • CAG library Subforums
  • Banks, Loans & Credit
    • Bank and Finance Subforums:
    • Other Institutions
  • Retail and Non-retail Goods and Services
    • Non-Retail subforums
    • Retail Subforums
  • Work, Social and Community
    • Work, Social and Community Subforums:
  • Debt problems - including homes/ mortgages, PayDay Loans
    • Debt subforums:
    • PayDay loan and other Short Term Loans subforum:
  • Motoring
    • Motoring subforums
  • Legal Forums
    • Legal Issues subforums

Categories

  • News from the National Consumer Service
  • News from the Web

Blogs

  • A Say in the Life of .....
  • Debt Diaries
  • Shopping & Money Saving Tips
  • chilleddrivingtuition

Categories

  • The Youth Academy
    • The Youth Consumer Service
  • Miscellaneous

Find results in...

Find results that contain...


Date Created

  • Start

    End


Last Updated

  • Start

    End


Filter by number of...

Joined

  • Start

    End


Group


About Me


Location

  1. Hello, I'm in a spot of bother with Erudio. Thought I was being clever/daring etc... by returning their letters over the last five years last week received a claim form through the post, at which point I (sensibly) lost my nerve and found CAG whilst searching the internet for help. Have followed the advice in the small claim thread, filed my AOS (today), and written CCA Request and CPR31.14 to post tomorrow. Details of claim below: Name of the Claimant:Erudio Student Loans Limited C/O Wilmington Trust Date of issue: 21 NOV 2018 Particulars of Claim: 1
  2. Hello newby so please be kind. I am and have always been in Scotland. I had a student loan back in the early 90s. I missed a deferment in the mid 90s and they enforced me to pay the whole lot. At this point I stuck my head in the sand and moved house a couple of times. I never heard anything and got a mortgage no problem in 1998. I sold that house in 2006 and rented for a few months. Got a mortgage at my current house in 2007. Clearly never had any issues on my credit checks back then. the SLC
  3. Wondering if you have any updates on this? Been in Canada for 3 years - been paying back UK debt and SLC. Its crippling me with the currency conversion.
  4. I moved to Canada 2 years ago as a Permanent Resident and I've been paying the SLC for the last 18 months but now I've had a private loan recalled (father in law) and I can't make payments to him, MBNA UK (£10,000 on 0% credit card) and the SLC. I've decided to pay my family and MBNA but I want to know what damage the SLC can do to me. If not paying the SLC is going to ruin my credit then I'd rather lump it all in and default on the MBNA too so I can pay this private loan back quicker. If not I'm happy to pay. I get my citizenship next year and it's unlikely we will be returning to t
  5. New one this for me...a little help required?! My Wife has a TSB credit card, has had it 17 years no CCA at all. Have nt heard from them for over 6 months. Have sent Resolve Call, Moorcrofts and 2 others letters in the past asking for CCA AND Letters and they all give up and say they have passed it back to Tsb. Today though we receive this new one "We have been instructed by our client to recover the overdue debt. We DEMAND that the sum stated be sent direct to this office IMMEDIATELY using the payment slip below. Your failure to comply could result in a DEBT COLLEC
  6. Hello I am looking for some advice about mortgage style loans from SLC 1997-2000. I deferred successfully up until the year that Erudio took over my account, circa September 2014. As their deferrment form seemed more invasive/complicated, I chose to ignore here I am now, after ignoring default notices, letters transferring my account to Capquest/AIC and PAP letter, Now a CCJ county court claim form. I have followed some guidance on this website - completed AOS, sent CCA request to Erudio and then SAR request to the solicitor. Drysden have w
  7. I forgot to notify them of change of address and stopped deferring so they're now chasing for the full amount of my 1998 loans. I've been a stay at home mum since 2013 so no income at all. They've passed it on to Link Financial which I'm assuming is their debt collection agency. They've said my last deferment ended 2014. Which might be right as I moved that year. They've also said I've breech the terms ie cannot defer anymore and loan won't end at 50 I can't declare bankruptcy or do an IVA. Unless I win the lottery there's no way I can pay this and don't want a
  8. Hi, I am new to the forum. Thanks in advance for any advice given. Student Loan Has Matured/ Full Payment Due within 14 days letter received from Erudio I am 45 years old and had taken out two student loans(95,96) and one (98) so under the old and new style loans. About 10 years ago I had arranged a payment plan (spread across all 3 loans) with student loan company (I think I was over the threshold to defer but was experiencing hardship). I had set up a standing order which remains in place to this day. When Erudio took over I received letter, calls , statements etc fro
  9. Hi All I have been trying to get my deferment debt which was applied to my student loan from 1993 ,even though I have contacted them many times as I was homeless in 1998 -2003 but still contacted them ,its now 2019 and they still insist I owe them even though I was assured by them in 2002 it was taken off . It now seems in the hands of Link financial and thesis loans with Honours trustee being the owner or something , As I am in University now for a PGCE there is a block with this deferment ,which I thought was resolved in 2006 when I had a personal apology from CEO o
  10. This was quite a while ago. I've been going though my 2005 statements due to a problem with bank and have realised that I paid at least £600 of c/tax within a 5-month period. I was a full-time student at the time. Were students exempt from c/tax at this time? If so, what are the chances of recovering the sums paid? Thanks
  11. I graduated back in 2002. I know after that, the Student Loans Company sent me deferment forms which were filled in and accepted. Erudio took these over years ago and I have never received any deferment forms from them, or any way of doing so. I've made no payments or, as far as I'm aware, acknowledged anything with them. The other day, 3 brown envelopes arrived from Northampton. Opened one and it was a County Court business centre claim form for £2400ish against me from Erudio / Drydens. (Letters from Drymens telling me that I would receive court papers arrived a few days later).
  12. Hello everyone. I'm getting anxious about my currently deferred student loan and seeking some advice/guidance/reassurance, please. I have four mortgage style student loans from the early 90s and as I’ve beenbelow the threshold I have been deferring them; every year since I graduated. It’s all been pretty straight forward and deferment granted promptly. Last year’s deferment letter from Honours Student Loans(and maybe several before that) said, if memory serves, I was in breach of theloan T&Cs as I no longer have a direct debit in place. It must have ‘timedout’, as I’m sure t
  13. Hi all I'm in desperate need of advice. I have some mental health issues please bear with me. I had a debt relief order approved, however I was somewhere that if you have student debt it has to be declared even though it is excluded from the DRO. I log into my student loans account to see how much I owe. Looking through the old correspondence online i spot a problem with student loans and benefits. I moved back to my home town last year as was kicked out by ex partner and was homeless staying in various sofas. Months beforehand i was considering doing a masters degr
  14. Hi there, I have an old student loan from 1996-1999. I informed the SLC/Student Finance that the debt was statues barred three years ago and they left me alone. I started working for the NHS four months ago and today's payslip has a deduction for Student Loan repayment on it. I have never given permission for anyone to do this as I do not acknowledge the debt. Where do I stand? Many thanks, M
  15. I've had a student load in NZ since 1996 and never paid anything off. I have lived in the Uk for 15 years and recently I was contacted by a collection companany called CCI representing IRD and saying I owe NZD 36,000 and need to pay now. After advice from a lawyer, I have decided to apply for bankruptcy in NZ. Now, my question is, do I make contact with IRD and/or collection agency informing them that I have applied for bankruptcy as have no way of paying loan back? I am worried they will continue putting pressure on me now they have found out where I live.
  16. Hello you good people! Please advise, as I've read all the relevant threads but none end with a definitive answer or resolution. I deferred my Student Loans from 93,93,95 each May until 2013 when due to a move, I forgot. I phoned SLC around late 2014 to be told the loans were now with Erudio and to phone them. Having read all the hoo-haa surrounding Erudio, I didn't phone. Nothing further happened. Fast forward to March 2017 and I noticed a hard search on my credit file from Erudio. Nothing further happened. Since last month I have started getting multiple phone calls from
  17. I am on the new style loan and after moving repeatedly I haven't had any contact since 2015. I now live in France and was wondering if anyone has ever successfully lost student loans? Would I be unable to return to the U.K if they have lost me?
  18. Hi I dropped out of Uni after 3 weeks after realising the course was not for me back in September 2017. Just before Christmas I periodically started to receive letters from the Uni (Located in Scotland) requesting payment of £1100. Since my departure from Uni I have had no income whatsoever. Despite doing my best to find employment I have had no luck .My wife works and I'm very conscious not to be a financial burden to her. I don't smoke or drink and I limit myself to one meal a day. She is very supportive of me in my search for work, and I don't wish to give the i
  19. Hello, Can someone confirm that a person on IVA or with DRO would not be able to apply for student loan of any kind?To my knowledge it's a loan for a four month beauty course.Thank you.
  20. We have recently received the Deferment Form (D10) for my husband, who has old-style student loans from 1994, 1995 and 1996. His loans (according to the letter) are still administered by Honours Student Loans. We are puzzled, as this is the first time we have received the 'new' version of the form. He is self employed and does not receive support from any other sources, so we can happily answer NO to question 3.1. Do you receive support from other sources. I'm puzzled by question 3.2 Is a student finance loan your only source of income? Firstly, I'm not even sure
  21. HI all its been 12 years since I moved to Canada I did inform the SLC of my address. I did not have to pay since my income was so low. This year I have been receiving letters from debt agency saying that they have brought the debt and want me to pay it back. I believe that the old loans are now statues bard and it should only be one or two of the new type which are still with me This year they have been sending letters to my old address saying the they have been sold off again to a new debt agency. I have been on disability for many years and dont have much income
  22. I have two statute barred student loans from 97 and 98. I am finishing my degree and was told by student loans company that I have no outstanding debt and that I could proceed with the finance application. I have now been told that: "We have had confirmation that the balance is statue barred, however, this does not wipe off the debt from your account. As you are in breach of the original loan agreement, you will remain ineligible until such a time as the arrears have been cleared in full from your account". I will be derolled if I can't get the loan to pay for the tuit
  23. Hi there, I got a "new" student loan in the year 2000 for my undergrad in UK. I paid some of it off when i worked in London 2006-2008. I moved to Paris in 2008. I think I contacted SLC in writing in 2012 but didn't pay anything back. I just received a nasty letter from SLC saying that a Third Party Debt collection agency is going to be contacting me to get £6,000. My friend says that if after 6 six years if haven't (1) contacted the lenders in writing acknowledging the debt or (2) made any payments to the lenders then the debt is wiped as it's past the limit
  24. Hi, everyone! I'm new here so apologies if I have or if this has been answered before somewhere! I had three student loans in 1995, 1997 and 1998. I deferred paying them for years on end up to around 2010 when I moved abroad and my salary meant I could no longer do so. However, I didn't pay the full amount they required because of my circumstances and eventually stopped paying altogether. After being sent umpteen letters for Thesis and now Link Financial / Capquest, I agreed to pay around 20 quid a month to each. I then stumbled upon this website and read somet
  25. I have a default of £2,976 with Natwest. £1,176 of which is made from fee's from when I went over my overdraft limit and then couldn't afford to pay enough money back to the bank to be able to get myself back under the limit. I accrued the overdraft while at Uni. This was a student account to start of with. The first time I went over the limit was in May 2011. My owed balance went up from £1767 to over £3000 in the space of 8 months. Even though I complained to the bank that this was spiralling out of control and I didn't know what to do. They just
×
×
  • Create New...