Letter of Notice of Intent to Register Default from Thesis

[physicsgraduate]

No. They were sold on years ago in one of the previous sales of large sections of the student loans book to the private sector.

 

So why have I been deferring with the SLC for the past few years then?

[WindySock]

So why have I been deferring with the SLC for the past few years then?

 

Where some of the loans were still either held by SLC, or by another company such as Erudio or Honours, the SLC continued to administer the deferments for them on behalf of the private companies.

 

Was done like that so deferment outcomes were kept consistent.

[physicsgraduate]

Right so I'm looking at a maybe get taken here to court here, but pretty unlikely?

[dx100uk]

Fine with me. Why has the uploaded file(s) changed and is that relevant, should I look at it?

 

Anyway, I'll file this away with all the other letters and have a bonfire in 3-4 years time.

 

 

right file is there now

we had a database error

 

 

dx

[WindySock]

Right so I'm looking at a maybe get taken here to court here, but pretty unlikely?

 

 

Possible in theory. Unless you can pay the whole 20 months arrears off now, then not much you can do about it either way.

[dx100uk]

WS read the attachment now

std default notice

 

 

says nowt about court

sorry for the error

 

 

dx

[physicsgraduate]

says nowt about court

 

It sort of does say 'court action will be' in part 4. of the first letter?

[WindySock]

WS read the attachment now

std default notice

 

 

says nowt about court

sorry for the error

 

 

dx[/quote

[WindySock]

It sort of does say 'court action will be' in part 4. of the first letter?

 

Yes, see above.

 

Dunno what dx100uk did to that 1st attatchment, but I still have it here and can see it clearly says the WILL go to court.

 

The part that says MAY is wording required under the The Consumer Credit (Enforcement, Default and Termination Notices) Regulations, so they have to use the MAY in that part to make the notice valid, even if they mean WILL.

[physicsgraduate]

So they've broken the rules by saying WILL instead of MAY?

[WindySock]

So they've broken the rules by saying WILL instead of MAY?

 

No, they haven't.

 

The regulations only mandate the phrasing of the part in capitals.

 

The part that follows where the creditor sets out what action they intend to take can be worded however they want.

[physicsgraduate]

Right so does all that sound like I'm going to be getting taken to court then in the foreseeable future, or probably not unless I happen to be one of the unlucky ones?

[dx100uk]

we have seen numerous threads here whereby thesis has issued a default notice

none have ever gotten to court.

 

what you have there is a std default notice that link send on any debt

never noticed they all say will on the court bit.

 

no concrete evidence that def means court.

 

it wouldn't hurt your cause to send SLC an SAR.

 

you could send a CCA request to link. but I'd hold on that.

 

over they years what kind of other letters have you had from them.

or is this the first threat-o-gram they've ever sent?

 

dx

[physicsgraduate]

Been getting the same letter from them every few months for years,

and all it says is something along the lines of we have been trying to get in touch with you, please get in touch with us,

a few emails which then stopped after I blocked them and no phone calls because they don't or ever will know my number.

 

I sent an SAR to SLC in 2007 and they sent me all my copies, but some of the writing was illegible so I wrote back saying it wasn't good enough.

 

I still have that, I've kept everything. Do I need to do it again? It costs money doesn't it. Doesn't sending them an SAR mean I'm acknowledging the debt?

[dx100uk]

great so you've never responded to plink?

 

 

if so keep up the good work

 

 

as I said willy waving then.....

 

 

sar does not ack the debt.

 

 

if its been like this for years

 

 

then your cal if you do anything

d

[physicsgraduate]

I just checked and the SAR request was with SLC and some of the writing is still illegible. As far as I am aware I have never responded in writing to Thesis ever, but I'm not sure. If I did then it would be like 2007. I think you guys probably advised me to ignore them so that's what I did.

 

I'll just leave it for now. I doubt very much anything will happen until the new year, maybe an initial final letter. I'm hoping to get out of here and move soon, and then I guess that will make it very difficult for them to trace me.

[dx100uk]

now ive merged all your old threads

 

 

def willy waving

 

 

ignore

 

 

dx

[physicsgraduate]

Yes I see, no problem. I wish I'd just ignored the lot of them back then, then I'd be SB clear.

 

Otherwise, no worries. Ignore shall be my continuing approach to Thesis.

[WindySock]

now ive merged all your old threads

 

Christ. What a mess.

 

Yes I see, no problem. I wish I'd just ignored the lot of them back then, then I'd be SB clear.

 

Otherwise, no worries. Ignore shall be my continuing approach to Thesis.

 

While you were deferring the parts of the loans that were not arrears, seems they were happy with that, or at least tolerated it. Now you stopped doing even that for 1-2 years seems they have called them in in full, as they can do.

 

May be a pre-cursor to court papers. May not. Seen them issue some, but not too many considering.

 

Not sure why the DN got deleted.

 

Here it is. Some may have comments on that, and it not on here at present.

[dx100uk]

there were issue with a file attachment database error on post 119

 

 

as sasid earlier its now resolved.

[WindySock]

Not really, as there are only one of the 2 documents there now. The one above is still missing from that post.

 

Both are below.

[dx100uk]

the attachment is now 2 pages.

 

 

in the original uploads each pages was a couple of Mb in size

that caused the download time and the thread to stall

I merged then, but the temp attachment number from the thread got duplicated by a database crash

hence the wrong link of the carter stuff..

 

 

settled ok now

 

 

dx

[physicsgraduate]

I'm back to not knowing whether I should be filling my pants or not again now.

 

I have a scanner, but it's not plugged in and it was easier to just take a photo and pdf it in photoshop. I made it roughly A4 width and 150dpi but the files were about 3MB. I noticed it said best not to post files more than 1MB but wasn't sure if it would make a lot of difference a few more MB, sorry if this caused a problem.

 

Any reason why uploads can't just be jpeg files?

[dx100uk]

everything is sorted nothing for you to do.

 

 

sit on your hands..IMHO

 

 

dx

[WindySock]

Unless you can afford to pay of the arrears, nothing much you can do. Ball in their court. They may issue court proceedings. They may not. Roll of dice.

 

Keep an eye on credit files as well to see if they go ahead on registering the default as the DPA NOT says. As said, have seen some before from these, so saying they can't or won't go ahead and do that is not always true.