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    • Hi I have to agree with @unclebulgaria67 post#3 For the funding side of moving to a new area and it being private supported accommodation I would also suggest speaking to private supported accommodation provider about funding but also contact the Local Council for that area and have a chat with them about funding because if you are in receipt of Housing Benefit certain Supported Accommodation that meets a certain criteria is treated as ‘exempt accommodation’ for Housing Benefit purposes but you need to confirm this with that relevant Council in your new area especially since it is Private Supported Accommodation as each Council can have slightly different rules on this. If you have a certain medical condition look up the charities and also have a wee chat with them as they may be able to point you to different Grants to assist with moving costs and your question about funding for private supported accommodation as well.
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    • Hi Sorry for the delay in getting back to you The email excuse and I do say excuse to add to your account and if court decide LL can't recoup costs will be removed is a joke. So I would Ask them: Ask them to provide you with the exact terms within your Tenancy Agreement that allows them to add these Court Fees to your Account before it has been decided in Court by a Judge. Until the above is answered you require these Court Fees to be removed from your Account (Note: I will all be down to your Tenancy Agreement so have a good look through it to see what if any fees they can add to your account in these circumstances)
    • Thank you for your responses. As requested, some more detail. Please forgive, I'm writing this on my phone which always makes for less than perfect grammar. My Dad tries but English not his 1st language, i'm born and bred in England, a qualified accountant and i often help him with his admin. On this occasion I helped my dad put in his renewal driving licence application around 6 weeks before expiry and with it the disclosure of his sleep apnoea. Once the licence expired I told him to get in touch with his GP, because the DVLA were offering only radio silence at that time (excuses of backlogs When I called to chase up). The GP charged £30 for an opinion letter on his ability to drive based on his medical history- at the time I didn't take a copy of the letter, but I am hoping this will be key evidence that we can rely on as to why s88 applies because in the GP opinion they saw no reason he couldn't drive i need to see the letter again as im going only on memory- we forwarded the letter in a chase up / complaint to the DVLA.  In December, everything went quiet RE the sleep apnoea (i presume his GP had given assurance) but the DVLA noticed there had been a 2nd medical issue in the past, when my father suffered a one off mini stroke 3 years prior. That condition had long been resolved via an operation (on his brain of all places, it was a scary time, but he came through unscathed) and he's never had an issue since. We were able to respond to that query very promptly (within the 14 days) and the next communication was the licence being granted 2 months later. DVLA have been very slow in responding every step of the way.  I realise by not disclosing the mini stroke at the time, and again on renewal (had I known I'd have encouraged it) he was potentially committing an offence, however that is not relevant to the current charge being levied, which is that he was unable to rely on s88 because of a current medical issue (not one that had been resolved). I could be wrong, I'm not a legal expert! The letter is a summons I believe because its a speeding offence (59 in a temp roadworks 50 limit on the A1, ironically whist driving up to visit me). We pleaded guilty to the speeding but not guilty to the s87.  DVLA always confirmed to me on the phone that the licence had not been revoked and that he "May" be able to continue to drive. They also confirmed in writing, but the letter explains the DVLA offer no opinion on the matter and that its up to the driver to seek legal advice. I'll take the advice to contact DVLA medical group. I'm going to contact the GP to make sure they received the SAR request for data, and make it clear we need to see a copy of the opinion letter. In terms of whether to continue to fight this, or to continue with the defence, do we have any idea of the potential consequences of either option? Thanks all
    • stopping payments until a DN arrives does not equal automatic sale to a DCA...if you resume payments after the DN.  
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Student loan from Sallie Mae, now by Drydensfairfax solicitors


Tucoist
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Hello,

 

I took out a student loan with a company named 'Sallie Mae' for a masters degree in 2007 that finished in 2008

but I did not graduate until the following year - 2009.

They are a company who specializes in professional studies loans.

 

During that time I had no contact from Sallie Mae and then

 

i read in around 2008 that they had ceased trading in this country.

 

There was no facility to contact them and the US branch is totally separate.

Other people had commented on the internet that they are also in the same situation at that time.

 

In around 2010 I started to receive letter from a company named 'Total Credit Finance Limited' based in Scotland.

 

I did email them to say that I was not in a position to start paying the loan off due to not hearing from Sallie Mae for a few years.

 

They wanted money (around £500) for me to extend the time that I had to differ the loan for longer.

As I did not have this money available I chose to ignore it.

 

They continued to send me invoices but nothing more.

 

I have now received a letter from a company named Drydensfairfax solicitors telling me that action will be taken

if I do not respond within 14 days (now 1 week).

 

I am about to go freelance as a designer and I am worried that I will have to go to court

and they will send the bailiffs round and take all the equipment I need to be able to complete my job.

 

Also I am worried that I will be forced to pay ridiculous fees to a loan that was agreed with a different company altogether.

 

At first it did not show on my credit report but it is now there, will this be screwed forever?

 

If I would have not contacted 'Total Credit Finance' it would have been nearly 6 years since I took out the loan.

 

Many Thanks for your time in reading this.

 

I took this loan out to help with my career and this is still an ongoing process.

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Hello and welcome,

 

Firstly check your credit files and see if this is on there,

 

NEVER speak to any of these leeches on the phone EVER!

 

Keep a diary of events and keep EVERYTHING in writing.

 

You need to be as exact as you can with the dates, when EXACTLY did you stop paying toward this loan?

 

What were you exact words to them in 2010?

If it was along the lines of, "I cannot pay toward my debt" then that may have reset the clock..??

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hello, many thanks for your reply I am need of help and advice.

 

I have checked my credit report and it is most definitely on there as 'ARROW GLOBAL LIMITED' the company name.

 

I have not spoken to them on the phone and do not intend to. I have been getting private number and strange 0845 numbers calling my phone but I do not answer as a rule if I do not recognise the number.

 

From now on I will keep a diary of events, on my part I have been a little scared of this whole situation and almost tried to forget about it.

 

The loan I have not made a payment towards. After 'SALLIE MAE" stopped trading in this country me and lot of other people had absolutely no information to go on. It was after some time that 'TOTALCREDITFINANCE' started to send me letters. And now it is 'DRYDENSFAIRFAX' solicitors who are not sending the letters.

 

The email that I sent to 'TOTALCREDITFINANCE' was on the 11/1/10 and it states:

 

---------------------------------------------------------------------------------------------------------------------------------------------------

 

Dear Sir/Madam

 

 

I am writing to you to inform you about my current financial position. I am only

in part time employment currently and cannot afford the repayment plan taken out

with the loan at the beginning of my course.

 

I am liaising with a design company with full time employment being taken with

them in the next 6 months. When this happens I will be able to afford the

payment full payment plan. For the time being I would like to restructure a

payment plan that I can afford. I do want to start paying the loan back but at

a slightly reduced amount until full time employment in the design field, which

is my ultimate goal after completing my Masters Degree.

 

Could you please advise me on my options.

 

---------------------------------------------------------------------------------------------------------------------------------------------------

 

I received no reply...

 

The first letters that I received from 'DRYDENSFAIRFAX' stated that I needed to make immediate payment

of the outstanding balance within 14 days of the letter (8th July 2013).

 

 

I have now received more letters from 'DRYDENSFAIRFAX' stating that,

if they do not hear from me within 14 days of the letter dated (22nd July 2013)

I will leave them with no alternative but to recommend to their client 'ARROW GLOBAL LIMITED'

thats they should consider taking legal action against me.

 

The commencement of legal proceedings will incur additional costs,

which will be added to the outstanding debt.

It also warns me that any CCJ's will severely effect my ability to obtain credit in the future.

 

I am now very worried that they are going to send the bailiffs round and take the very equipment I need to be able to do my job.

I am just at a loss with what to do as I do not want to go to court either.

Is this scare tactics?

 

Many thanks again and I hope that this makes sense.

I am about to start freelancing again and I hope that this awful situation does not effect that either.

Edited by Tucoist
Wrote a reply didn't show so wanted to make sure it was working.
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Bailiffs will NOT be used. IF ( and its a big IF) a court claim is issued, you can provide a defence and give your version of events. When it goes before a judge, you can give the judge a comprehensive I&E and he will arrange a payment plan you can afford. Bailiffs only ever come onto the scene if you point blank refuse to pay, or the court has exhausted all other options.

 

Thats not to mention that bailiffs will only ever be even remotely linked to your debt IF the creditor wins the case.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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I hope not as that will be a massive stress to me and my family.

 

I had to move back to the family home due to health issues and having people trying to enter the premises will be a nightmare.

 

Once I am sorted I would like to get the ball rolling but I am still getting my career of the ground

with hard work and perseverance with money not being abundant.

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Really court isnt anything to worry about. It is NOTHING like you see on the tv. It is a court rep/judge in a suit, you, and the creditors rep ( if they bother to turn up). You sit around a table and go through the claim.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Having never been in trouble with the police or ever been in a court it still sounds pretty daunting. I am worried that they will demand a ridiculous monthly payment or try and get me to take a job that will pay just to fund them.

 

Also the threat of bailiffs is still causing me sleepless nights. For me to lose my most precious of belongings that I need to do my job would be soul destroying.

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Thankfully no other creditors apart from this student loan. What do you think about the email that I sent to the first people who the debt was sold to, 'TOTALCREDITFINANCE', in 2010?

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have you sent this lot a CCA request

 

might be an idea

 

if they don't have a copy of the credit agreement

 

they are just about stuffed!

 

I doubt it exists.

 

adapt the following text to YOUR details.

DO NOT SIGN THE LETTER!

get a £1 BLANK Postal order

write on the back

for statutory £1 CCA FEE ONLY.

leave the payee BLANK

post the two off by 1st class post, get proof of posting from PO counter

they have 12+2 WORKING days to comply.

 

CCA request

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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if they don't have a copy of the credit agreement

 

they are just about stuffed!

 

Why would that be? It seems to be a post April '07 agreement from where I'm sat - unless I'm missing something?!

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have you sent this lot a CCA request

 

might be an idea

 

if they don't have a copy of the credit agreement

 

they are just about stuffed!

 

I doubt it exists.

 

dx

 

Are they? I'd like to know why as I don't think they'd be stuffed at all. I think the advice to get a CFS compliant I&E form to back up any offer of payment will almost certainly guarantee acceptance by the DCA. If it were to go to court after that, I think the judge would be asking the DCA why they had taken it to court when a perfectly reasonable offer was on the table.

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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hello

 

the 'lets just blindly pay someone because they sent me a threat-o-gram'

 

brigade are amassing.

 

getting very boring guys

 

this is CAG consumer ACTION group

 

not the 'rollover and accept what a dca says is true

on a debt poss over 6yrs old and poss statute barred' group.

 

dx

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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The OP has made is clear that they wish to make a reasonable payment.

 

If there was an e-mail in 2010 then that may well count as acknowldgement, and if so the debt is unlikely to be stat barred until 2016. Of course it would be down to whoever's chasing to prove the acknowldgement, if the debt has been passed around the houses that could be difficult - although not impossible.

 

A cca challenge is likely to be fruitless if indeed the loan was taken out after April '07.

 

Tucoist - has there ever been any payments made? When precisely was the loan entered into? I'm assuming that it's probably towards the back end of 2007, right?

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dx - you just made a rather insulting post about Dodgeball and I which I tried to report. It stated an invalid post and wouldn't let me report it. Now I come back and find the post, along with a couple of others gone. Why?

 

My question was why the sudden need to resort to insults? Would you like to comment, or will this post disappear as well?

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Apologies ims - your post was not showing when I made my response. Happy for it to be removed. :-D

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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although this is called a 'student loan'

 

it wont be a part of the Student Loan Company funding etc

and the rules pre/post 1998 with regard to gov't funding etc etc.

 

only those loans issued by the Student Loan Company'

 

follow those rules.

 

dx

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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hello

 

the 'lets just blindly pay someone because they sent me a threat-o-gram'

 

brigade are amassing.

 

getting very boring guys

 

this is CAG consumer ACTION group

 

not the 'rollover and accept what a dca says is true

on a debt poss over 6yrs old and poss statute barred' group.

 

dx

 

I think there is something to be said to repaying a debt which is rightfully owed.

 

Of course if it is SB then that is another matter, lets hope so.

Edited by ims21

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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I think there is something to be said to repaying a debt which is rightfully owed.

 

Of course if it is SB then that is another matter, lets hope so.

 

Not sure (in this case) that 2007 terms could become SB at year 6, been a long time since I looked at student loans.... Perhaps there is still an opportunity to defer the principal but it may require some digging by the OP.

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Hi

 

This is a link to another thread on this subject of sallie mae uk: http://www.consumeractiongroup.co.uk/forum/showthread.php?226831-Unsecured-Loan.-Sallie-Mae-UK

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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

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What's also important to consider with student loans is when the loan actually became due for payment - as that is when the cause of action would actually begin - and often with loans of this nature that could be later than 2007.

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What's also important to consider with student loans is when the loan actually became due for payment - as that is when the cause of action would actually begin - and often with loans of this nature that could be later than 2007.

 

Yes this is an excellent point, if the account was not defaulted and terminated the SB commencement date would be on the termination of the contract.

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Had a brief squint on Google for salliemae uk terms and

they don't appear to be student loans in the strictest sense that us locals may understand them to be.

 

 

It may be prudent to get a s77/78 request in the post pronto,

from what I can make of it they appear to be restricted use

but with interest penalty at deferment even during the period of education.

 

 

Durham uni still seem to promote the facility for international students.

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