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Please can anyone advise me?


Mirien
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I took out a student loan in 1996 to assist with teacher training living expenses. Since qualifying, I have only been above the repayment threshold once, for a period of a few months. I then contracted ME/CFS and was forced to leave my job and eventually go bankrupt in 2005, as I could not meet my financial obligations with no job. I knew my student loan was exempt from the bankruptcy (which I think is outrageous)and expected to be contacted, but have heard nothing until yesterday when I got a call stating my loan had "matured" and they wanted payment. I explained I was chronically ill and living entirely on state benefits, but they said my case would have to be 'referred' and I would have to fill in an income and expenditure form before a decision on my case could be made.

 

I'm completely nonplussed and really upset. If I am living on benefits they themselves state do not count as income in their assessment of deferrment, how come they count now? Also, I had no idea student loans even had a maturity date and finally if I was and still am below the threshold to start repayments, what makes them think I cam suddenly afford to pay?

 

Can anyone help me please? Without exaggerating, this could land me in hospital and I need to try and get it sorted asap.

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Don't despair Mirien, this site is brilliant and someone from the site team will pick up your thread and help you out, just hang on in there chuck.

Don't make yourself ill with worry, you'll get it sorted

Freebird

1/6/06 request charges

16/6/06 received charges

18/6/06 first request for refund

3/7/06 "No" letter from bank

13/7/06 LBA

7/08/06 handed claim to court

10/8/06 court stamped as date of issue

24/8/06 deemed to be served

25/8/06 Sechiari filed acknowledgement of service

6/9/06 defence served

9/9/06 copy of defence and AQ received by me

25/9/06 deadline for AQ submission

25/9/06 call Sechiari confirm safe receipt of my AQ

26/9/06 received copy AQ from Sechiari

29/9/06 letter to SCM to say "you want 1 month to settle, so settle"

18/10/06 after "strained communications"and how !

verbal offer of full settlement with conditions

communications rejecting conditions from me

5/11/06 received letter offering settlement with conditions

7/11/06 sent fax rejecting conditions etc

14/11/06 unconditional settlement in bank and how !;)

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