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    • Hi Ade,   Stop speaking to them by phone and keep contact in writing only, which you've said you prefer.   Send TT a SAR by post immediately. The data you get back should enable you to see what they think you owe, and how it's made up.   Also write to BW Legal confirming you dispute the alleged debt owed to TT and have written to TT seeking data, so BWL must stop demands until TT have replied to the SAR you've sent them.
    • Please do although obviously I don’t know the facts from your side but at least I can tell you how much of a cut and paste job it is.
    • Please check back for a full reply tomorrow. However, it would help if you would introduce pergo spaces into a story full stop it's very long and especially for people with small screens it's very difficult to follow when it is so compacted.   I think this straight has become rather confused because of the third party account which we received at the outset. I think it will probably be helpful if you could repost your story but on a new thread and more openly spaced please.   Then we can start to have a closer look at it. However, as I've already suggested, I think there are two issues. The question of your liability in the accident and the problem of how you have been persuaded to take a rental car at such a high rate.    I would suggest that you hold off telephoneing anyone until we have had a closer look.before you do anything on the telephone. You have obviously had some very important conversations but you don't have any evidence of them. Although the other side may say that they have recorded them, you you may find it difficult to get hold of those recordings if in fact those recordings incriminate them in any way. for instance if they have promised you that you don't have to pay anything for the hire car, that would be an extremely useful conversation to have but you may find that it is difficult to get hold of.   please start a new thread it will be much easier to continue from there                                
    • When I sadly lost my job a while back, i reportd it immpediately to DWP as you are supposed to, but didnt realise at the time that the day I reported to them was the day before I was paid out for the last month. I was actually paid extra whem I left as it was cheaper than redundancy fort the business and at the time it was a good financial move (so I thought).   I was paid on Fri 26th Jan, they paid me out 2 months in one go. I reported to DWP on the 22nd of Han that I was made unemployed, had the letters and evidence. As they spun the story, because of their assesment dates and that, my first payment was on the 1st May and reassured that it works the other way around. That when work starts again, if I dont actually receive money from the company during the assesment period, there wont be an issue as it balances up.   Can I believe this or was it another spun story? I'm concerned that as I'll be paid monthly, (Starting on the 15th paid on the last day of the month), assment ends on the 22nd. Tha they'll take that money into consideration.   I'm just concerned due to the disparity it would cause between 4 odd months I endured with zero income because of how their system works and whatever they ahe in place to counter at this end of the claim.   Anywa, it's just awonder.   Cheers,   Ade    
    • Hi, OP sister here, im going to try and explaine in full details from start to present and see if you have any advice for me on what i can do. on 15/1/2021  at 16:25pm i was traveling along hazlebarrow cresent wich is on my estate at around 30mph, its a tight road with cars parked along the left hand side, as i proceeded through, a van ( which was parked on my left hand side, facing towards me) pulled out from the side of the road, he stopped the van wich resulted in the van being at an angled stationary position on the road. I breaked immediately but the ice and snow skidded my tyers, i skidded into the drivers side of his van, my car bounced off his van and sent my vehicle head first into the back of a parked car ( wich was originally parked at the back of the van before he set off from the side of the road. I will refer to the van driver as MR seddon. ( im going to attatch a street veiw picture and diagram wich will be more helpful in understanding how the accident accured ect) .  The owner of the parked car, which i will refer to as Mr simpson came out of his house. Myself, mr seddon and mr simpson exchanged details and took photos, then i left the scene as my first concern, understandably was to contact my midwife and the hospital. I live just round the corner from the scene of the accident so i slowly drove my car to my property. I contacted Go skippy the next day 16/1/21 and informed them of the accident and gave them all the details ect . by the following monday 18/1/21 i had a call from AX who said they was dealing with my claim as go skippy will not deal with it as i am third party insured. Over the next few days, i complied with their requests ( gave them a written statment of what happened, sent them pictures of the damage to my vehicle and mr seddons van ect). Then on the 19/1/21 AX contacted me again and asked if i need a curtesy vehicle, my first response was ' how much will that cost me?' Of which she replied ' nothing because your insurance covers the cost'. I agreed to the curtesy vehicle and the vehicle was delivered to me on the 20/1/21.  Over the coming weeks, AX and i had regular contact about my claim and updated me in regards to my own vehicle. At one point she said it could be deemed a 50/50 liability. an engineer had collectes my car, deemed in a total loss as the damage was more than 66% of its total value and written my car off . i had a call from a lady from AX and she said they have valued the car and i will be payed out £2200 . i asked when and she said ' we will send you a cheque out for £358 in the post, and the remaining balance will be payed out by Admirel but this may take a few weeks more' .  I didnt hear nothing for around 2 weeks so i comtacted AX again for an update, she told me that admirel are refusing liability and there now in dispute. Every time i contacted them they said the same thing ' admirel are refusing liability' i asked them why admirel consider themSelf not liable and she read from the notes ' mr seddon said he was driving along the road, the corsa ( my vehicle) was at high speed coming towards me , i beeped my horn and tried moving out of the way but i couldnt because of the ice and the snow and the corsa hit my van' . the lady at AX said the problem is that the damage to both our vehicles is consistant with both our stories and due to there being no witnesses, no cctv or dash cam footage- no one can prove who is at fault. I then questioned why i had been told i was being paid out £2200 and she said 'well we have to advice you the estimated value' of wich i replied 'no, there was no 'advice' - i was told it was a done deal i was getting paid £2200 and she told me i had a cheque arriving in the post!!!.  The lady then told me she had requested a ' none prejudice payment' from admirel and waiting for a response.   Shortly after this phone call, AX contacted me again and asked if i had the funds to repair my own vehicle or buy another one, ( im.assuming admirel refused to pay the ' none prejudice payment) I told them No i do not as i have a baby due and even if i did have the funds, why on earth would i fork out to repair my own vehicle when i wasnt at fault ?! . she said ok im going to pass this to managment and see what we can do .   I contacted AX again and asked for an update and expressed how unhappy i was with their service as i felt like they hadnt fought my corner, bowed down to admirel and then had the cheek to ask me to repair my own vehicle . again she said ' its still in dispute, admirel are not budging i have to pass this on to management. She then asked me for 3 months bank statements to 'prove' i dont have the funds to repair my vehicle myself. I thought this was ridiculous and stated that even if i had the funds, why would i repair my own vehicle when im.not at fault!? Obviously this has been on going since middle of january, pretty fed up. My brother come to this forum and you guys had mentioned the hire car rates may fall back on me. I contacted AX first thing this morning regarding this. I made it clear that they can collect the vehicle to stop the daily charges as i do not want to be in thousands of pounds worth of debt when i am a lone parent with a new born baby. and the lady told me ' we will try every avenue to recover the cost from Admirel for the hire car charges, if this means taking them to court, even if this is unsuccessful, considering you comply with your hire vehicle contract and you work with us with your claim ( which you have been doing) you will not be liable for this debt and if worst comes to worst and admirel will not pay, we will just wipe the debt off' . i made her repeat several times that i will not be liable for this debt and she said i have told you my name, and these calls are recordered and i am telling you that this debt will not be on you to pay . She then said that if i was to give AX the hire car back now, then it would jepordise everything. And she said ' we gave you that hire vehicle because we beleive your not at fault so you can keep using it as we know you need transport' I then questioned the need for bank statements again and she told me the reason they need bank statements is so if it goes to court - AX can justify why i needed the hire car for so long ( because i didnt have the funds to repair my vehicle or buy another one) and also so they can prove they have tried every root possible.    After the phonecall it got me thinking about how she said ' aslong as you comply with your hire car contract your not liable for any charges for the hire car' . will they find any fault with the contract just to try and lumber me with the debt? , as it seems pretty fishy how they would just ' wipe off' thousands of pounds if admirel refuse to pay.  And also, she said if i gave the hire car back it would jepodise the case . so when the lady rang me the other week asking if i had funds to repair or buy myself a new vehicle , if i had said yes, ill buy a car tomorrow and come collect the curtesy one. Then what? Wouldnt that ' jepodise' the case?    As you can imagaine, my heads spinning. Stressed and dont know what to do. I dont even care about a pay out , i just want to give the hire car back and be completely done with AX . but now im scared if i give the car back i will be lumbered with thousand of pounds worth of debt from the hire car charges.  Tomorow i am going to read thoroughly through the ' hire car contract' . i am going to give them another call and record them saying i am not liable for the debt. Any advice on how i can just give the hire car back to them without me being liable to pay the debt?  Thank you Gemma
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Letter of Notice of Intent to Register Default from Thesis


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Hi Silverfox i also think that the OP was indicating that SB was their current thinking and i have been through this myself very recently, i too am talking about pre98 loans and just want the OP to be aware that if Link are threatening then just ignore as they are a very dishonest bunch of parasites imo. But if the OP has been deferring then this i believe is "Acknowledgment". I would wait until dx, Andy or such like who are experts in my experience clarify though as my experience is only my own.

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Then just ignore link is my advice, if they ever do manage to get you on phone? Just say "In writing only" and put down telephone.

 

Once you are 100% sure 6yrs have lapsed then send SB template letter.

 

PS: It might be worth your while sending a SAR to SLC as the SLC have obviously sold this outstanding amount to Link and do not let Link scare you with court action as they are not the original creditor. Its all just part of their devious, dishonest and frankly illegal activities to get people to pay and remember they are just a DCA and not baliffs and have very limited powers although they will lie to you otherwise!

Edited by WarrenBuffet
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You mean Thesis?

 

Just to elucidate further, I came on here for some advice when all this was happening and had them send me out copies of the loan twice, and there was/still is a question mark over whether it is a valid since some of the writing on the copies they provided was illegible.

 

So I have to write to them after the 6 years stating that I no longer recognise this debt or something like that?

 

I have a bit of experience at dealing with debt collectors and I know how they work, they will try to scare you when in fact they are most likely bluffing/unlikely to actually do anything about it since they probably only bought the debt for a few quid anyway. They rely on the ones who cave in and pay to keep their profit margins up.

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Link and Thesis are the same company, just before Christmas i called link and there answered the phone stating "Hello Thesis" before correcting herself to "Sorry Link".

 

As regards 6 yrs once you are sure then send the "i do not recognise this debt" and follow the procedure ........ Job done.

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  • 1 year later...

They've been chasing me for about 8 years now for a default on just over a year of Student Loans when I failed to send in the deferment form.

 

Up until last year though I was sending in the form and getting the loan (or the rest of it) deferred, however each year was becoming more and more of a chore. I had to hassle them to send out the letter confirming deferment and last year they just didn't bother to send a form out to me at all, so I though sod them.

 

Been getting the same letter from Thesis for years, but now this one is threatening to take me to court if I don't pay up.

 

Should I just ignore it? I'm guessing it's just an attempt to scare me and they have no real powers to do anything, right?

 

They also got my address wrong, I have told SLC about this many times, but still they get my address wrong.

 

I wrote to SLC about 8 years ago and asked for copies of the agreement, and the copies they sent were partly illegible in some parts.

 

Oh yeah, the loan was taken out pre-1998 and I live in Scotland. It's about two years now since I last acknowledged this debt, so I was thinking I can't be bothered with this hassle every year with getting them to send the form out etc, I'll just sit on it and wait for another 3 years to pass.

 

As far as I am aware I have never acknowledged this debt with Thesis, or in any case I have certainly not acknowledged this debt with Thesis for over 6 years. The debt they are chasing me for is more now though as the default amount has risen in the last because I failed to defer.

 

I'd be happy to pay this pending a commensurate income, but they haven't played fair with me, and as far as I'm concerned this was summer money I should have been getting from welfare anyway as I started the Uni the year the tories scrapped this for students.

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Thesis are link dca in sheep's clothing

 

Wouldn't worry too much about this

 

If you have a read up on thesis here

You'll soon get the idea

 

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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In sheep's clothing? Is that the right metaphor for a DCA that's nothing to worry about?

 

I was just going along the lines, they've not taken any action against me in 8 years so.... but this is the first time (in a while anyway) they've threatened me with court action.

 

If they're not going to send out the deferment form, then how can I defer?

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Use the SLC one

Can be downloaded

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 I do that then I'm acknowledging the debt.

 

Are you recommending that I do that? I'm just thinking that they don't seem to actually do anything, and if I wait another three years and just ignore them, probably move house soon hopefully then it'll all just go away.

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Well you've done so every year to date

So makes no odds

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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I haven't though, as I explained last year they didn't send the form out,

around the same time as everything in my life went south

and I sustained an injury to one of my upper limbs.

 

This is perhaps why Thesis appear to be upping the game.

 

I haven't sent in a deferment form for over two years, because I got tired of them not sending the form out

and then I have to go to the library to print one out,

then get the job centre to stamp it,

then send it by recorded delivery, then several weeks later

I have to hassle them to send the confirmation letter out.

 

I'm also on WTC now trying to run my own business

so I'm not sure where I stand with deferring

or how I go to show that I am eligible.

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ok well old style loans can become SB'd after 6yrs.

 

 

so let it run?

 

 

I doubt that letter says will anywhere

and they cant I expect default or more importantly

that it will show now on CRa files.

 

 

let it run.

 

 

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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It does say 'Court action will then follow unless...' in one paragraph.

 

Default notice served under section 87(1) of the CCA 1974.

 

Do they own the debt now ? If not, then they cannot send out a default notice in their own name ?

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Scan the letters up

 

Sounds like usual link willy waving

 

Upload

 

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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willy waving.

 

 

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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Thesis own a portion on the old style loan book now, so they can send out a s87 default notice in their name and register a default with the CRAs just the same as SLC could. I've seen defaults from them on the CRAs, so I know this is not necessarily a 'bluff'.

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Thesis own a portion on the old style loan book now, so they can send out a s87 default notice in their name and register a default with the CRAs just the same as SLC could. I've seen defaults from them on the CRAs, so I know this is not necessarily a 'bluff'.

 

Are you saying then they might own this debt with the SLC now, because I failed to defer they sold it on?

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There were two letters. Hope the upload works and it's in the right format.

 

They is what you would expect. They can terminate the agreements and demand the whole balance back if you don't make up the arrears.

 

They do say "WILL" on the the court action, but whether they do or not is anyone's guess. Link Financial sometimes do go to court though, so you should not rule it out..

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Are you saying then they might own this debt with the SLC now, because I failed to defer they sold it on?

 

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.

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