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SLC deferment refusal for self employed - help needed please Pre 1998

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Well the annual SLC hell arrived - deferment. I sent everything off in good time, recorded delivery, email, fax and also telephoned as every year they deny receipt so thought this year would be extra careful.


I'm self employed and like many people at the moment, I on paper made a small loss overall in the previous tax year.


I thought at least I don't have to pay the SLC. But no. They have rejected the application to defer on the basis that "the law states you need a minimum of XX per week to live on" and stating they will not defer my loans!


I've communicated in writing that, as I am below the threshold for repayment, there are no payments due and I have no further information to give them. Now threatening legal action and accuring arrears at a scary rate.


I've tried to complain to the Financial Ombudsman, who have so far in three months failed to respond at all.


I'm actually considering letting them take me to court for the alleged arrears as I think there is a very good chance that they would loose on the basis that I am below the income threshold and also they have treated me unfairly and breached the CCA, I have a chance to have the loans written off.


Any advice please? I would rather resolve but they are adamant that they will not defer on the basis of my tax return, accepted by the Tax office! Getting quite stressful really. Many thanks.

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