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Debt recovery letter from TNC


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Hi everyone, I posted this in the Scotland section earlier but it's not very active in there so I thought I'd post it in here as this seems the best place to get some advice. I've just signed up today and still getting to grips with this site.

 

I received a letter at my home address in N Ireland from TNC who are based in Glasgow. They say that I owe £1032 to Abertay Uni which I attended but left 3 years ago.

 

On the letter it says that I have 7 days to pay this back or court proceedings will be taken?

 

I am living in Scotland but I'm from N Ireland and my mum informed me of the letter that arrived back in my N Ireland address. She called them up herself and they were asking stuff about me but she wouldn't reveal anything. TNC wouldn't talk in detail with her as it's me they're needing to talk to.

 

I'm not sure what the debt recovery is for. I didn't complete my final year at university but I certainly won't be able to pay that sum of money off in 7 days.

 

I just don't know what to do. I could manage monthly payments but I don't want to call TNC as they were rude to my mother and I know they will try to intimidate me.

 

Do I really need to contact TNC within 7 days to stop this from going to court? This is the first letter I've ever received from them and it came out of the blue.

 

Any advice would be greatly appreciated. Thank you

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Never ever speak to any company who are demanding money. They can tell you something that you will not be able to prove later.

 

Only have correspondence with them by letter.

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Thank you for the replies!

 

I received 2 letters. The first was from TNC Collectors and here's a couple of extracts.

 

The letter is dated the 30th of April

 

"Please take note, unless you make payment within 7 days, legal proceedings may be started against you."

 

Another part reads.. "a Judgement order against you may become a public record".

 

The second letter is dated the 8th of May and is from Sloane Portland associates and talks about litigation services.

 

Client: TNC Legal

 

"Unless you make payment of the above debt or contact TNC with a proposal for settlement within 7 days, court proceedings may be instituted against you.

 

If legal action is taken against you, it will become a public record" blah blah...

 

So should I just send them a letter? They don't appear to know my current address. Should I include my current address in the letter?

 

Anything else I should do?

 

Thanks for your help :)

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So now instead of threats of bailiffs etc they are trying the 'embarrasment' that others may know you have a debt tactic.

 

I bet your quaking in your boots.

 

Have you written that letter yet asking what the outstanding is for and will they please send you proof that you owe anything. You can't do anything until you have done that.

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Hi Conniff.

 

I'm going to type the letter up tomorrow at work and send it off. I should send the letter as recorded delivery right?

 

I just find it quite intimidating and totally uncalled for that I get a letter out of the blue, 3 years after leaving university saying that if I don't pay over £1000 back or contact TNC within 7 days then court proceedings and such may occur.

 

I'm glad I found this site as there seems to be quite knowledgeable people like yourself who can help me with a matter like this.

 

:)

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Hi Exocet

 

Yes, always send recorded. If they don't like what you have requested, they will say they haven't received it and put the blame on Royal Mail.

 

Do 'not' admit or even hint of an admittance that there may be an outstanding amount owed to someone.

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  • 1 month later...

A letter arrived today at my old address in N Ireland. In it is a compliments slip and a statement of account.

 

On the statement there are 17 different dates with debits, credits and balances.

 

It then shows the outstanding total as £1032

 

On the compliments slip it says to make all payments out to TNC blah blah.

 

Peace and quiet for almost 2 months and this just had to spoil it!

 

Any suggestions as to what I should do next? I really would appreciate help!

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What are the charges for? Is the statement from the University, or has it been generated by TNC?

 

Sloane Portland appears to be a 'trading style' of TNC - in other words, just another desk in their hive. Interestingly, there's no record of the name being registered with ICO.

 

TNC seem to be quite busy chasing old university accounts - I wonder if they've bought them.

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It looks like the statement is from the university with various debits, credits and balances over the years that I was at university. It seems the money owed is for accommodation fees for one year and tuition fees for another. I wasn't aware of this at the time and it's taken more than 3 years for it to come to this...

 

Interesting you should mention Portland Sloane as one of the letters I received from TNC stated that they had passed this on to Sloane Portland.

Edited by Exocet
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The thing is, at my last year of uni I never completed it and left in feb/march I think it was. I know they unregistered me around feb/march of my last year so that was a good 2 months before the end of the uni year.

 

It's just so long ago that I can't remember a lot of things. But I do know when they had unregistered me from uni.

 

Should I write back to TNC?

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  • 3 years later...
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