gurmi v link on student loan

[Gurmi]

Hi im new to this site but i am having the exact same problem with LINK. So i will try and send the letter and see what happens. But i made the mistake of ringing them first and they were horrilble on the phone and said i had to pay in full or else!!!!

[dx100uk]

Hi im new to this site but i am having the exact same problem with LINK. So i will try and send the letter and see what happens. But i made the mistake of ringing them first and they were horrilble on the phone and said i had to pay in full or else!!!!

 

give us more info and i'll start you your own thread then

 

dx

siteteam

[Gurmi]

Hi yeah,

 

Link financial sent a letter saying i had to pay the outsatnding balance for a 1997 student loan in full.

 

I did have as student loan but i defered it but student loans said i didnt and i never got back to me.

 

i had a student loan in 98/99 which student loans still have and i have to pay them money monthly.

 

I rang student loans and they said they gave the 1997 loan to thesis who never ever wrote to me

 

now link want the money.

 

I rang them and expalined i had no idea that i owed thesis any money as there is no correspondence what so ever from them.

 

They said too bad and I have to pay it in full or they will send someone around.

 

I said im not happy with their service its disgusting and i will be sending in a letter to complain and i dont like the fact they are hassing a single parent.

 

Then i read your posts and realised the debt is def over 6 years and i sent them a recorded delivery letter.

 

So do i wait now?

Edited December 1, 2010 by dx100uk
clarity

[Bleep]

you had two separate student loans, one in 98, the other in 97

 

If that's the case and you are being chased for the 1997 loan then, as thats more than 6 years old, it's statute barred.

 

Also if you have paid money towards a debt, or acknowledged a debt in writing within the last 6 years, then that debt will not be statute barred either.

[Gurmi]

I had a student loan 97,98,99.

They are saying i owe them money for 1997 loan. which student loans gave to thesis in 1998 who have never ever writen or asked for any money until now. I didnt even know theis had the loan until i rang student loans now as i always deferred the loans.

[Tingy]

I believe if they have purchased the debt, if it went to court they have 6 months from the date of purchasing the debt to ask the court for the right to enforce it. They would need to prove this right, especially given the circumstances, before I'd pay a penny.

 

Who actually pays out the loan in the first place, is it the government or do they tender it out to some other financial organisation?

[Gurmi]

Hi ive just heard from link today since sending them the letter. A very rude lady rang my number never said where she was from at first then said "im calling from Link how are you going to pay your debt" I said I dont want to speak to you, i sent a recorded mail letter to yourselves. She said "we have got it". Then said something about 5 days I hung up on her. Its taken this long for them to respond and they have not even replyed to my letter.

[Tingy]

Until they reply to your letter in writing you have nothing to say to them. If they do write to you then remove personal details and post it up here for us to look at.

 

To me it sounds as though they were relying on you not knowing about debts becoming Statute Barred and now they realise they've bought a lemon! Let's wait and see what happens.

[dx100uk]

hehe next time wind her up

 

its statute barred love and put the phone down.

 

dx

[Clear33]

Can someone help me find the statute barred template letter everyone is sending please I am in a desperate rush to get it sent off today...... its for a 97 loan and yes Link have it

[Clear33]

p.s. I am sorry but I don't know that I will even find my way back to receiving the answer - can it be emailed to me?

everythings a blur

[bigandyuk1]

Someone please correct me if I am wrong, but I didn't think that student loans became statute barred ??

[bigandyuk1]

OK old style loan pre 1997 can be statute barred but after 1998 different rules apply ..Sorry

[Clear33]

Sorry for not introducing myself - Hi - it was a relief to know I am not the only one in the world.

I got a call last week and it was a shock from Link Financial stating they had my 97 loan demanding immediate payment.

I haven't got it to give or I would have.

On looking further into it I only acknowledged this loan after 6 years. I then went on to pay small amounts. It seems this is statute barred.

 

Don't mean to steal a thread but when I try to start a new post to help me - I can't seem to find the proper template to send

Can anyone help?

 

thanks

[dx100uk]

if there is a clear 6yrs where you paid nowt

 

then they found a cash cow that now knows different!!

 

nothing can unbar a debt.not even a judge.

 

dx