Me VS The Student Loan Company Letter Charges

[pentiumofborg]

I served both the student loans company and my bank with Data Requests under the Data protection act 1998.

 

Optimistically, I wanted all my data dating from 1992 till now.

 

Santander sent me only 3 years of data,

the student loans company sent me data from 2004.

 

I know I paid £250 of letter charges sometime in 1995.

They want £1298 now, £290 of which is in new letter charges!

 

They have not complied fully with the data request.

 

How can I get my data so I know what to ask for in court?

[dx100uk]

fire off the failure to comply letter from the library top left green tab.

 

ask specifically for what you expect back

 

as for the charges

i think what you have from 1995 will clear the debt anyhow!

 

i take it you have acked this debt then in the last 6yrs?

 

as it would be SB'ed a long time ago.

[pentiumofborg]

Thank you for that! I've found the Data Protection Act 1998 non compliance letter and will be sending these to both my bank and the slc tomorrow morning via recorded delivery. Yes, I'm hoping the letter charges I have already paid will reduce the debt I owe. I hope you don't mind my asking but I'm not familiar with some of the acronyms and terminology used on this site, what do you mean by "SB'ed", and "acked"?

[MARTIN3030]

acked means acknowledged (responded to admitted to or paid anything to)

 

SB =Statute barred under the Limitation Act 1980 after 6 years has lapsed.

[pentiumofborg]

So if I hadn't paid anything or responded to their letters in the last 6 years, my Student Loans would have been written off? WOW!

[dx100uk]

only those prior to about july 1997 i think though

the 'old' style ones before the changes that came in.

 

dx

[pentiumofborg]

So if I were some unscrupilous individual, I should have changed my name and moved every year for 6 years to avoid their Electoral Roll trace and that, would have been that? Awesome!

[pentiumofborg]

They have 3 days to comply fully with my Data Request, I'll hold off sending the non-compliance letter till then.

[pentiumofborg]

I've been looking carefully at the info SLC have sent me so far:

 

There are lots of acronyms that are not on their Glossary Sheet, it's all out of order,

the letter "charges" don't add up to the amount they are asking for,

the arrears amount hops about all over the place

- presumably when they decided to enlist the services of Smith Lawson to recover some of the money owed.

 

I'm going to have to send a Data Request to Smith Lawson to get a clearer picture.

I also need to find out how much I paid Smith Lawson when they turned up at my house prior to 2000.

They wouldn't go away, some massive guy who looked like Shrek put his boot in the doorway.

 

I'm going to enjoy causing Smith Lawson as much pain as I possibly can.

SLC haven't included any Annual Statements prior to 2000.

 

Does anyone have an address for Smith Lawson?

Edited December 7, 2011 by pentiumofborg
missing info

[dx100uk]

what

SL are a debt collection fake solicitor [sLC look at the name - its the in house student loan co frighteners]

they have no legal powers

they are NOT bailiffs!!

 

send the SAR to the SLC them selves

 

as for the charges

 

get them back - reclaim!

 

they are a penalty and unlawful.

 

you also need to be sure on the SB stuff

if you've paid or acked nowt for a period od 6yrs

they are SB'ed

nothing can unbar them.

 

as long as they are the old style loan pre the date i mentioned.

 

dx

[pentiumofborg]

Thanks for that! I've definitely paid them in the past 6 years, acknowleged them by agreements to pay the charges and arrears in the past. They are the old style loans from 1992. I've had contact with them and paid them in the past 6 years, so I don't think they are Statute Barred - but I wish they were! It's been over 40 days, so letter of Data Protection Act Non-Compliance going First Class recorded on Monday!

Edited December 10, 2011 by pentiumofborg
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