Student loan-chased after 18 years

[Bazooka Boo]

Which Letter template did you send them??

[Bazooka Boo]

In that case then, you should send copies of their harassment letters to;

 

The Office of Fair Trading: Contact us

 

Consumer Direct

 

Trading Standards Institute - Home page

 

Financial Ombudsman Service

 

And ensure you keep the originals, and envelopes if possible.

 

File them under 'Ignore' There is absolutely nothing they can legally do, but keep an eye on your Credit file, if that is of any interest to you, make sure they don't mark it with any adverse reports which might affect your Credit Rating.

 

Give them the template letter linked below through the letterbox or chained door.

 

http://www.consumerforums.com/resour...ep-visit-.html

 

Tell them to leave as you have nothing to discuss and all communication must be in writing.

 

Tell them you will call the police if they don't leave immediately.

 

Remain calm and polite at all times.

 

Walk away from the door so the visitor cannot try and talk to you.

 

If they don't leave, call the police to report that you are being harassed and the visitor refuses to leave.

 

Print off the letter template from the above link and keep it by your front door, then IF and that is a big if, anyone should decide to turn up, just hand it to them and shut the door.

[Bazooka Boo]

they stated that I could pay by CREDIT or debit card-isn't the legal status on this slightly dodgy, as they cannot encourage you to incur more debt paying off a debt? Correct, which is why you must report them to the OFT for breaching their guidelines.

 

Also, their 72 hours notice letter was posted 2nd class, dated the 18th November and arrived with me today, November 20th. Again, if they were in any way truthful in requesting money they would learn to operate legally and professionally, which they dont, and never will!

 

This will all be evidence against them, if they ever wished to take the matter to court.

 

So you can be rest assured that until such time as they begin acting professionally and responsibly, observing all of the correct guidelines, laws and timeframes, then you are about as close to them taking you to court as I am of being the next US President:D

[Bazooka Boo]

No, you need do nothing, if they are acting on behalf of SLC then they are legally required to forward the SB letter themselves, not you.

 

There is proper legal definition on here somewhere I'll try to find it for you, but they just need reminding of their legal obligations.

[Bazooka Boo]

Here it is, remind them of their legal obligations:

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

[Bazooka Boo]

Quite agree, which is why they need to be reported for their breach and continuance of harassment.

[Bazooka Boo]

I'm in a bit of a rush, but IMO you need do nothing except inform these morons that as they are in breach of the OFT debt collection Guide lines and CPUTR regs, you have reported them to the OFT, TS, ICO and the FOS, the debt is clearly SB and you have informed their inept collection agency of this, yet they still press for payment, you expect to receive by return of post a copy of their complaints procedure, and you will not enter into any further correspondence surrounding this alleged debt.