A Complete Slc Mess!!! Aaargggh!

[Sidnee]

Right deep breath people, i'll try keep it short! BUT PLEASE HELP ME!:

 

I have problems proving my income therefore have problems with the slc accepting my deferment, which often means i have arrears & charges etc etc. In the past i have foolishly repaid these arrears and any inclusive charges with out question. DOH!

But after reading various threads on here, i am heartened, but also quite confused. I have scattered correspondence from slc, and the various guises they come in, scotcall, dlc (and like a muppet i poo'd my pants not knowing they were the same company and paid them!) etc etc. I have statements that only seem to include certain charges, i'm sure i have paid back more charges than they have listed me so far, my arrears seem to cross 2 sections of deferment making things more confusing!! so.........

 

Am I right in thinking the best starting point is for a cca request and a s.a.r so i can try and get a reasonable starting point to figure out what is/isn't owed? and am i correct in thinking they cannot enforce any action while this is in dispute? the stuff i have says i owe them 924 quid, 120 of which is charges, ? but i reckon there are more charges than that to come off (PROB PAID TWICE AS MUCH IN PREV ARREARS AGREEMENTS!), plus i can back date it for 3 months can i not? which is another 202 quid off! makes it about 600 quid at the most! :-?

 

I will grugdingly admit that my arrears are prob half my fault and so i will have to pay them back, but not with the charges on, surely not and anyone know if there is a time limit on paying them back? they want it paid in like 6 months at 70 quid a month or something stupid like that!!. I have also noted that as soon as you dont tow the line they get very grumpy and very rude, almost bordering on abuse! (i'd love to meet one so i could give em a mighty big slap!!!!) Told ya it was short! lol

 

HELP HELP HELP! muchos gracias!!

[Sidnee]

Can anyone confirm if a sar alone is enough to put any arrears in dispute? do i have to tell them in writing i dispute this debt? (the arrears that is)

[xray2]

Hi, I am far from an expert but think you need to CCA to claim a dispute?

[emmaf01]

Hi Sidnee- when are your loans from- pre-1998 or post-1998?

 

You can reclaim your charges as with banks. Do a SAR to get a full list of any charges incurred. Then put the account into dispute, sending off a prelim letter asking for the charges back.

[Sidnee]

I started uni in 98 so its post, cheers people i've sent cca and a sar off anyway, so its all covered i think!

[emmaf01]

I know loans pre-1998 are covered by the CCA, I don't know about after.

 

I think you should still be able to reclaim any charges though.