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Jodes13

Student Loan - No signed agreement

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I have just sent a Subject Access Request to SAAS (Student loans for Scotland) regarding my student loan.

 

Their reply was to say that they have destroyed the signed agreement and have a record to show I was in full time education until x date.

 

I was wondering if anyone knew what I would nicely say to them, using the correct legal terms and laws that apply :

well if you have nothing to say that I signed up for the loan in the first place, you are going to have to write the loan off.

 

Otherwise I will see you in court and see what the Judge says about failing to have the signed agreement for the contract you are still charging me for.

 

On a side note:

no clue if this would be possible.

 

Could I also say, why have you been taking money out of my wages (showing copies of my wage slips) considering I had not signed up to have a loan with you in the first place.

 

Please give me all this money back since you have no contractual grounds to have taken this

Edited by Jodes13

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You would have only been able to get the money from SAAS if you've signed the contract.

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I'm not saying that I didn't have a student loan with them. What i'm saying is they have destroyed the signed contract\loan agreement. Meaning they have no proof I signed up for a loan with them. Therefore no contract to prove I signed for anything.

 

This means I no longer have any terms to this agreement

Edited by Jodes13

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and no you cant get your money bacxk

and p'haps still owe your loan

 

just because they have no agreement

doesn't mean its Un-en.

 

i think you need to help people to help you

by telling us the full history

 

dx


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Full story. Had a few student loans. Have requested a copy of my signed agreement. They have destroyed anything they had to say that I signed for these.

 

Anything that can be done?

Edited by Jodes13

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as far as i can see these work the same as the SLC in England/wales

 

so when did you get these loans

 

when was your last payment/referal.?

 

dx


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They just take the money straight out of my wages every month.

 

So the 20/12/2012 would be the last payment.

I haven't ever sent them anything myself, they just take the funds.

 

The loans would have been from 2000\2001 - 2004.

 

I have just gone through your letter regarding s77/78 of The Consumer Credit Act.

Would I be right in thinking I just need to learn how this works and should have my answer?

 

p.s. Thanks for all the help with this.

I have just spent 7 hours today trying to sort out my Barclay's Partner Finance loan case.

 

Now I have a written account of my problems...all I have to do is study:

 

Misrepresentation Act, Unfair Terms in Consumer Contracts 1999,

Consumer Protection from Unfair Trading Act 2008,

and Supply of Goods and Services Act 2008 S14 :???:

and apply all that to my 10 page document since I, like most of you, can't afford the thousands a solicitor will need to try the case for me :sad:.

 

To anyone reading this.

..NEVER go with Barclay's Partner Finance.

 

Proof: go onto Facebook and read about the 1000+ people who signed up to Advent Training sca**ed (*mm) us

- We want our money back.

 

These are only a few from the 4500 people put in a similar position.

Edited by Jodes13

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go up the top to our grey toolbar

 

where it says search

 

type in

 

advent training

 

there is a very big thread there you need to read

 

dx


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Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Thanks. I will do ta. Hopefully its not fuzzbutt, since she lied by omission on how she won her case.

Turns out I've got no luck with my student loan. After 1998 student loans aren't regulated by the . Consumer credit act. N prob excluded even with

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If studentloans aren't regulated under the CCA, I don't see why they would need a signed agreement. They paid you money and you spent it, so there is no question that you accepted the loan, and the terms depend on government policy rather than a contractual document. I don't think you will get much sympathy trying to escape from a government student loan.Obviously private "student loans" are very different.


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Well if there was a way of getting out of student loans we would all have done it by now ha ha, on a serious note no money is taken from your wages until you earn a certain amount so the very low paid wont be affected and if its not all paid by the time you are 65 I think the bal is written off I cant wait only 10 years to go!!


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