SLC are threatning with CCJ-help!

[WhiskeyGee]

Hi there,

 

A couple of months back I recieved a nasty letter from SLC demanding repayment of pre 1998 loans with help from this forum i established that my debt should be well and truly Statute Barred and that it was most likly a phishing letter so I ignored it.

 

Today I have recieved a letter stating if I do not pay within 7 days my details will be passed to Northampton Bulk Centre Court who will issue a ccj against my name. If this is a phishing letter it is a damn scary one!

 

What I need to know is how do I get the debt registered as being Statute barred? I've seen the letter template on this site but if I send it to SLC is that not classed as "contact" thus invalidating the conditions of stute barred? Is it better to wait fo contact from this court and submit it to them?

 

a really simple step by guide would be great - I am terrified that I will invalidate my only defence by making a stupid mistake at this stage.

 

Any advise would be great

 

ta.

[noomill060]

When/if you get thecourt papers you acknowlege the claim saying that you will defend the full claim.

 

Your defence being that its statute barred.

 

They either drop the claim or it goes to court and the judge throws it out.

[noomill060]

Dont do anything unless you receive papers from a court.

 

Come back for more advice if/when this happens.

 

until then, dont worry.

[WhiskeyGee]

Many thanks, will wait for now just hope my nerve holds...

[WhiskeyGee]

does their sending letters count as contact or do they have to actualy speak/get a response from me for it to count, i've had phishing letters over the years but just ignored them - will they try and claim these letters as contact?

[noomill060]

You have to acknowledge the debt within 6 years of the last payment to set the SB clock ticking. You would have had to have made a payment or made a written admission that you owe them in order to acknowledge the debt.

 

After 6 years nothing can set the SB clock tickung again.

 

Once SB, it stays that way forever.

[phil_nottingham]

SLC have been chasing a student loan since 1997 and havent had a penny for me.

 

So i wouldnt worry:)