Reply to my Statute Barred Letter - Honours Student Loans

[paidinfull]

What does everyone make of this ? It's a reply to my recent Statute Barred Letter to Honours Student Loans for a Loan taken out in 1994

 

Basically they are stating my Statute Barred claim is void because I haven't informed them of any changes of Addresses I've had, is this true? Do they have a case?

 

Do I ignore the letter or reply?

 

I'm guessing quite a few people would have received identical letters..

 

 

Thanks

[renegadeimp]

Ignore it. SB applies when no written acknowledgement and payment is made for at least a clear 6 years. If they say otherwise, complain to the regulators

[renegadeimp]

Who is chasing you for this?

[SabreSheep]

pretty sure thats rubbish

they could of aquired a ccj at last known address but they did not do so

[paidinfull]

Thank you! Honours Student Loans are chasing it, at least thats what the headed paper says..

[paidinfull]

Have you heard of this kind of reply before?

Edited February 10, 2015 by paidinfull

[paidinfull]

Or is it a new tactic?, Perhaps they're just clutching at straws

Edited February 10, 2015 by paidinfull

[dx100uk]

2nd one this week arrows have sent out wit that reply.

 

 

hang on i'll find the other one.

 

 

dx

[dx100uk]

http://www.consumeractiongroup.co.uk/forum/showthread.php?435222-Honours-Student-Loans-trace-letter-after-15yes&p=4690307#post4690307

[WindySock]

It is complete rubbish. HSL know that, but they often try this hoping that you can be fooled as it sounds slightly plausible given what the legislations says.

 

This is an extract from the Money Advice Trust training materials.

 

'It is for claimants to prove that they could not reasonably have discovered the facts concealed by the defendant (Paragon Finance v Thakerar 1999).

 

The mere fact that a defendant cannot be traced, with the result that the claimant does not commence proceedings, does not prevent (a cause of action from accruing and) time from running.

 

Even where a person is deliberately hiding from a claimant the 'concealment' provisions relate only to concealment of the cause of action and not to cases where debtors conceal themselves from the claimant (Lowsley v Forbes 1999)

[paidinfull]

Interesting stuff, thai you guys! You're all very helpful. I will of course be keeping an eye on this thread and letting you all know if I hear anything more

[MoneyRats]

Paidinfull did you receive any more letters from these guys yet? I just got one from the pre-legal department.

[renegadeimp]

Pre-legal? Lol?

[fletch70]

I can see this being a tactic tried until it goes to court. mention fraud and most people get scared, it is a trick used by a plonker on another site, constantly quoting the fraud act. If they had an old address why didn't someone issue a claim at that address, now that would have stopped the SB clock

 

 

These people do love those supposedly scary terms . Lets face it many people who are indoctrinated would believe that they are about to be carted off to a debtors prison.

[MoneyRats]

Yeah exactly, I mean presumably it's all pre-legal until it's legal surely? Do I get one from the post legal team afterwards? Anyway I'm just continuing to ignore them. My thread is this one http://www.consumeractiongroup.co.uk/forum/showthread.php?435222-Honours-Student-Loans-trace-letter-after-15yes&p=4695634&viewfull=1#post4695634