Jump to content

  • Tweets

  • Posts

    • I typed it on my phone, ironic. I’ll use my laptop for more substantive updates.   I have another car - I’d rather not splurge out multiple thousands at an already expensive time of year - the service was £1000 in itself.   My immediate concern is their inspection company. Do I pre-empt and pay for my own to coincide with theirs, even though its not needed in anyone with common senses eyes? It just seems like knuckle dragging.   I’ll take you up your offer, thanks. Communication has been mostly via email, and I have followed up calls immediately with an email of what was discussed. Got it the 7th of July if I recall, notified them of the issue on the 25th November.
    • I hope you notice that in your first post I had to restructure the solid blocks of text that you posted. It will be very helpful if you would make sure you would introduce better spacing because we have lots of people who come to this forum using telephones and it is extremely difficult for them to read. The fact that you assert your six months right to reject does not mean that you are then obliged to reject the vehicle. It simply reserves your position on that matter. You always retain the option to reject or to keep the vehicle. However it puts more pressure on the dealer or the hire purchase company – whoever happens to be the responsible party. If you are doing things on the telephone then make sure you have read our customer services guide and implement the advice there. It really is important and if you don't then at some point you will regret it. if you are strapped for the car and if you haven't have the money then probably a good option might be to pay for the repairs yourself and then proceed directly get the hire purchase company for reimbursement. However this means that you would be out of pocket for a while. Also if you did this then we would have to be very careful about giving the hire purchase company advance notice of what you are doing and of the expenses you are about to incur on their behalf. In any event, you are just within the six months and if I were you I would assert the right. If you want, draft a letter and then we will have a look at it here
    • Thanks for the reply except for distance part.   Not a fail when it’s only one of a few in the UK(at the time only 3 where for sale from dealers in the uk- I would never buy a car privately or at the least on a credit card). I only tend to splurge big (to me)bucks on what I actually want and I am a bit of a petrol head. It’s more than a form of transport for me.   I am not naming dealers at this time as they have yet to do anything wrong and the one acting (more than) reasonably is the main dealer that identified the issue, not the one I got the car from so no need to name them at all. They have in fact worked with me to get a very good price to replace the head with support from the manufacturer - to the point of the original dealer would not be able to buy just the head for the all in price on offer. So I have done half their leg room for them too. I will phone the dealer myself today to get their story and if they play silly buggers up their name will go. As I said in the original post - I am hoping for the best, expecting the  worst and want to be prepared.    Finance company is Oodle. I did say I am contacting them under my rights from the consumer credit act but didn’t say I am rejecting, but did say the outcome I am looking for is for it to be repaired.
    • I'm really not clear as to what you want to do here. You clearly have a way of gaining some compensation if you want. If you'd rather just get it shut down then as you say the best thing to do is to send them your mother's death certificate – but as they are completely wrong about everything, it seems – and also on the dates you have given anyway, they are breaching the backbilling code, you can hit back if you want. You have just said that it is the principle of it all. If that is really what it is then that might be sufficient basis for striking out at them. I don't think there's much else to be discussed on this thread
    • Well done on having paid by high purchase. People who pay by cash or who pay by bank transfer are not in such a fortunate position. In terms of buying a second-hand car 100 miles away – big fail. As you have said, it is the hire purchase company which is liable. It is their vehicle. What exactly have you told them in respect of the consumer rights act? Have you asserted your rights and made it clear that you will be relying on your six-month right to reject if they fail in a single repair? What's the name of the hire purchase company? You say that the dealer is acting responsibly – but maybe you could tell me who they are as well
  • Recommended Topics

  • Our picks

  • Recommended Topics

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


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4533 days.

If you need to add something to this thread then


Please click the "Report " link


at the bottom of one of the posts.


If you want to post a new story then


Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 



Recommended Posts

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
Link to post
Share on other sites

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
Link to post
Share on other sites


  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?

  • Create New...