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Student Loan Debt

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Just looking for a bit more advice really.

I have a debt with the student loans company for around £6000.

My account with them was started in 1998 and the last time I borrowed money from them was April 2000

Over the years I have never been chased for payment have just been sent an annual statement and nothing else. I think this is because they recorded my NI number incorrectly at the time I took the loan out so if they check my earnings this will show as 0.

I have recently however received a letter from them asking for a statement of earnings in order to start paying this back.

I do not deny that I borrowed this money 10 years ago, but can they enforce payment after this long?

I have never acknowledged the debt, made a single payment and it does not show on my credit report.

Thoughts please!!


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When in 1998 ??? A debt is statute barred if you have neither made a payment towards nor acknowledged the debt in 6 years (5 in Scotland)...


Have a read here...


The Limitation Act 1980

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.


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I took the loan out in my first term at university (sept 1998) and received payments until the end of my course in 2001.

I have never been sent any forms for repayment until now so have never acknowledged or deferred this debt.

Trawling through posts on the topic I can see that lans taken out until '98 were covered under the 1974 Credit Act, but the year I started uni was the first year of tuition fees and the new type of student loans and I cannot find a lot of info regarding these types of loans

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