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Default over £20 punitive charge from Student Loans Co - Absolutely fuming!

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Hello all,


Please help!


I have student loans under the old and new systems. I've been paying the new loans back automatically out of salary for years.


This year I went over the income threshold for paying back the old loans. When the deferement offer came through I didn't fill it out as I knew I would have to pay. I assumed they would also be collected automatically. Around a month after they should have been collected I received letters from Thesis and Student Loans Co saying I had missed payment (that noone had informed me was due) and I owed them (collectively) around £130 in total. I had recently returned from a nightmare holiday where my pregnant wife incurred several thousand dollars worth of medical treatment (payment by our weasel holiday insurance company Columbus Direct is still pending on this)


Having had unexpected big bills before we went away, and bearing in mind I'm already paying well over £100 a month under the new loan system I was reluctant to pay up immediately, and at the level demanded. I contacted both companies on numerous occasions explaining my current situation and offering reduced payment. I eventually just paid up to Thesis and Student Loans Co the full amounts in full BUT refused to pay a £20 charge levied by Student Loans Co. As I had explained the situation, offered payment and agreed a direct debit with them, it seemed unreasonable they had added it at all. I was told this charge would remain on my account and nothing more than this. I did receive threatening letters prior to paying up the full outstanding arrears (less £20 of course).


This morning I opened a Notice of Default Sums from Student Loans Co. :mad:


As far as I'm aware my credit record is unblemished, and I'm outraged they should do this for what is a bull **** punitive charge anyway, when the actual debt has been settled.


I currently have a re-mortgage application pending and am worried that this will adversely affect it, and wish to fight this immediately.


Should I make a Subject Access Request and proceed with a CCA against Student Loans Co?


How do I have this joke of a Default removed?


I should add there is no time limit for repaying this 'debt' on the Notice of Default. Does that not make it invalid anyway? It is dated 2nd July.


Thank you all for any advice.

Edited by Pinkers

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Well, I have just phoned the collections department, and was lucky enough to speak to someone very helpful. He advised that this letter will have no effect on my credit rating, and that in such an instance they would send a 'Notice of Intention to Default' giving me opportunity to pay.


He also advised that he would remove the £20 charge as a gesture of goodwill after I explained that the arrears only accrued in the first place because I was expecting the payments would be deducted automatically from my salary in the way my loans under the new agreement are.


Can it really be so simple??? I hope so :)

Edited by Pinkers

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