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Yet another Link/SLC query (sorry...)

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I'm sorry if this has been asked and answered before,

but I've had a good scout through the masses of Link/SLC threads and although helpful,

I can't find the answer to my situation so thought I'd just ask...


I have a student loan taken out in 1995, which I had always deferred until my last deferrment in 2006

(I have the letter advising I need to defer before October 2007 to continue not having to pay).


I heard nothing from them until June last year when I got a random letter which advised that Link now had the debt and they wanted it all in 21 days.


I spoke to some nasty piece of work on the phone a few days later to advise I couldn't pay,

and then wrote to the company to complain as the woman had tried to advise me to take out a credit card or loan to pay off the debt, and I knew that was illegal.


I acknowledged the debt in writing at that point (dammit) and I'm pretty sure that I was just under the 6 years SB limit, meaning that I'm now liable.


I have checked my credit file (thanks for the link to Noddle!) and there's nothing on there,

I've never made any payments at all.

I did make an offer to pay £30 a month but they refused that and said I could pay £120 a month instead as they thought that was 'fair'!

I refused and upped my offer to £50 per month but they're still saying no.


I just want to make sure that yes, it isn't SB'd so I am liable,

and I'd like some advice on how I can get them to accept what I'm offering.


I might be able to make a full & final settlement but have no idea how to work out what they're likely to accept.


What I really need is someone to give me some sensible advice and clarity on this

- especially as they're such devious ****s, before their incessant calls (which I now ignore!), letters and emails drive me mad!


Sorry to ramble, and thanks so much for any help you can give, it really is appreciated :roll:

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what did you say in that letter?


have you got it still?


VERBAL agreement to pay or acking on the phone DOES NOT COUNT.


you now know of course to STAY OFF THE PHONE!!






WHEN did you last refer it and to whom & how?



please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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