Honours Student Loans - default notice 10 years after CCJ

[biglad1975]

Hi all,

 

My partner was recently sent a default notice from Honours Student Loans (old pre-98 style) totalling £5076.35.

 

She is a total basket case with finances and can't remember when she last had contact with them but feels that it was 'years ago'.

 

I recall from looking back through her paperwork before Xmas (we've now moved so can't lay my hands on it again without a lot of digging)

 

it appears that they also registered a CCJ against her in 2002, many addresses ago.

 

She has always earned under the £25,287 threshold to defer it, but has been sporadic in doing so since she left uni in 1999.

 

Surely the fact that the CCJ is statute barred prevents them from issuing another default notice? They must have issued one before the CCJ back in 2002, surely?

 

Also isn't it statute barred anyway, with or without the CCJ as the last payment must have been a decade ago?

 

And if all that fails, the fact that she's never been eligible to pay it back means that technically there's nothing to default her for, no?

 

The default notice gives us 14 days, a week of which has already passed.

 

I'm thinking of hitting them first off with a dispute notice stopping the clock on the 14 days until we can get this straightened out.

 

I'm thinking then SRA them and see when they sent the original default notice and CCJ and then hitting them with a statute barred notice,

 

or should I just go straight for the SB notice?

I've just had a good result with RBS so I'm fired up!

[dx100uk]

silly beggars

 

they can issue as many DN's as they like

 

its fallen off her CRa file

 

the CCJ is gone dead buried!!

 

there nowt they can do

 

its sb'd

 

even a judge cannot unbar a debt.

 

check her CRa file just incase

 

see below

[dx100uk]

moved to student forum

 

read the other threads here and in the slc forum

 

dx

[cerberusalert]

or should I just go straight for the SB notic]

Yes send it. They are probably unaware of the original CCJ anyway, but no matter as has been said their right to pursue is now barred under the Statute of Limitations.