Thesis and Link Financial

[JosiePie]

Hi, this is my first post on here.

 

 

I have 5 student loans taken out 1994-99.

 

 

I have never earned enough to make repayments and deferred each year

(usually with lots of hassle and documents being lost by SLC etc).

 

Then I had to start dealing with Thesis Servicing.

 

 

In 2010 (I think) I made a decision to voluntarily make repayments on my loan,

phoned Thesis and set it up - or so I thought.

 

 

9 months or so later, I got a letter followed by a phonecall to say I was in arrears and had to pay.

 

 

I contacted them and disputed it and was told they had taken down the wrong bank account details

but they would only wipe 3 months of arrears.

 

 

I argued with them as it was a voluntary payment and I still wasn't earning the threshold.

I took to ignoring their calls and letters or on the odd occasion when I did speak to them,

I reiterated that it was their cock up that had caused the arrears and I would not be held accountable.

 

 

I have not received a deferment letter from them since I first arranged to make a payment.

 

Last week I received a letter from them stating that I had defaulted on my loan.

Today I received a letter from Link Financial demanding full repayment of £7,413.20.

Where do I go from here?

I'm adamant I should not be liable for this debt until I am financially in a position to repay it.

 

Thanks in advance for any help

Jo

[WarrenBuffet]

Hi Jo,

 

Link/Thesis are the same company and they are just debt collectors or dca .

 

Do not let their threats annoy you and they cannot demand full payment.

 

Please read around the threads on the Students section as there are many people including myself who are/have been in the same situation as yourself.

 

I believe that the first thing you should do is send a CCA to link/Thesis and a SAR to the student loans company.

 

There are template letters freely available here.

 

Oh the best advice is to demand the next time they contact you is say `

No only contact me in writing`

or do as i have been doing and record the conversations but don't tell them.

[dx100uk]

hows this thread going?

 

dx