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    • Looking for a bit of assistance. I moved into a rented flat on 20th April 2024. I viewed it on the 14th April. Before I moved into the flat, the letting agency provided me with an offer sheet, in said offer sheet I made a number of requests and conditions related to me progressing with assuming the tenancy. These were: 1. A professional clean of the flat prior to move in date. 2. The hob, shower glass and bathroom cabinet be replaced prior to move in date. These were all planned actions by the landlord when I viewed it. I could see the boxes for the hob and other items in the flat. I prepared to move in on the 20th April but none of the work mentioned in the offer sheet had been completed. The standard of the clean was abysmal - mouldy food left in the fridge, nothing wiped down, bathroom mouldy etc. The hob, shower glass and bathroom cabinet were also not installed. I decided to not officially move into the flat as it was not in a condition as promised, my partner lives relatively close by so I lived with her initially. It was only on the 24th April that the hob, shower glass and bathroom cabinet were installed. The cleaners visited again 2 weeks after move in date (3rd April) and attempted another clean of the flat. Again, it was a poor job. I resorted to cleaning the flat myself. I have numerous pictures of the things I identified during my clean and have sent this all to the letting agency. Because of the issues faced, I asked the letting agency that the rent be reduced for the initial month. Exactly halved - to represent the 2 weeks that I was not living at the property. The landlord and letting agency have responded by saying that they will be willing to accept 1 weeks rent as a deduction but not 2. My question is, am I in a strong position to insist on the 2 weeks rent returned or have I been fortunate that they have even offered a weeks rent as a deduction? I would like to insist on the 2 weeks. I have paid the 2 weeks only as my rent collection date passed 2 days ago. Thank you for any assistance. Any further relevant details required let me know and I will provide.
    • clarks are just like the rest of 'em. couldn't careless, your advantage here is it's not legally your car, the finance co. should be bought into play . as i think BF eluded too , or has in other threads, if dealer/finance co. dont sort it between themselves FOC to you, another option is to get it fixed then bill both for it, if they refuse, then a court claim is very simple and cheap option to recoup your losses. see where it goes. just musing. dx
    • Thanks for that. Much appreciated. I would have assumed they would have had contacts to do such work as well. I think it's just the general rubbish attitude from Arnold Clark as the amount of times the General Manager of the place was rude or kept referring to "it would have to come out of my margin" to fix issues. Like it was my fault. Oh well - Won't be buying anything from them again.
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Buchanan Clark & Wells (Student Loans Company Ltd)

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I am looking for some advice regarding a very old debt to the Student Loans Company Ltd.

The loan dates back to 1993 and 1994 (16-17 years ago!) and since that time I have had no contact with the SLC or any DCA. If fact I was overseas until the last 3 years.

All of a sudden in July this year I started getting threatening letters out of the blue from Buchanan Clark & Wells (Formal Demands).

Up until now I have just ignored the letters; however yesterday I call was made to my employer's main number telling my collegue they would like to speak to me regarding a student loan debt.

The call was transferred to me and they asked me to verify my DOB and address which I refused and they proceeded to try and give me their phone number and reference number to call back (which I have not done).


My question is: I believe that this debt should be statute barred and is there any advantage in writing to them to state this, or continue to ignore?

Second issue is that I have never given my employer's details on any credit application and it is not on my credit file as I have not been working for this company that long.

I did however have it listed on the LinkedIn website (business social networking) - since removed. So I am quite sure they used this website to obtain this information, is this illegal? can a DCA use such information to try and make contact?


Thanks in advance for any advice.

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Hi Damonz,

Welcome to CAG!


I don't think you've got anything to worry about here as being an old style Student Loan it comes under the Statute of Limitations. If you haven't made any payment or acknowledged the debt for 6 years (5 in Scotland) then the debt is Statute Barred.

BCW know this full well and are just chancing their arm.


Don't ever talk to them on the phone.


Send them the letter in this link, amend to suit:




Let us know if they pester you again.


Elsa x

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AFAIK, they can and do use info in the public domain to trace people. However! Regarding them contacting you at work, that is against Office of Fair Trading Debt Collection Guidelines and you should add a paragraph to your letter stating this and that you will be reporting them to Trading Standards and the OFT.State also that you will ONLY deal with this matter in writing.




Elsa x

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Thanks Elsa, I have sent the letter off to them today.

They continue to call me every day at work and I refuse to speak to them referring that I only communicate in writing.

It is getting too much now and he threaten to send someone around to my home to talk to me "face to face" about the matter if I didn’t talk to him.

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Guest Cartaphilus
They continue to call me every day at work and I refuse to speak to them referring that I only communicate in writing


Then report them and ask them to spell out the words by writing 1000 times 'h.a.r.a.s.s.m.e.n.t'.

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They will send nobody to your home. It is all intimidation tactics to get you to make a payment there and then on the phone. It is statue barred, there is nothing they can do to make you pay it.


Just refuse point blank to discuss it on the phone. If they continue to harrass you, report them as advised.

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