Email from SLC for Contact

[Tangomann]

I have just received the following email from the SLC and was wondering if I should respond ?

 

I left the UK in 2009 and my final default dropped off my credit report in Dec 2015.

 

I really dont want the SLC ruining my credit status for another 6 years.

I left university in Jan 2009 and have had no contact from the SLC until this email.

Any thoughts would be greatly appreciated.

 

Please respond within 72 hours of receipt of this email.

 

Dear xxxxxxxxxx

 

We have been attempting to contact you.

Please contact us to confirm your current contact details and employment status.

This is to enable us to update your information accordingly

and to ensure that any future communication will be sent promptly.

 

Please call us on 0300 100 0603, if calling from overseas please call 0044 141 626 3770.

Our office opening hours are 09.00 to 17.30.

 

Alternatively, you can email your information by responding to this email

address and providing the following:

 

Address:

Home Telephone Number:

Mobile Telephone Number:

Email Address (if changed):

Employed Yes/No:

 

If you have any concerns about providing the details we have requested then

please refer to the Student Loans Company website,

for further information.

 

Please be advised this email address is for the purpose of providing the

requested information only. If you have additional queries, do not

hesitate to contact us on the telephone number detailed above.

 

Yours sincerely

 

Student Loans Company

100 Bothwell Street

Glasgow

G2 7JD

 

The registered office of Student Loans Company is at:

 

21 St. Thomas Street

Bristol

BS1 6JS

Registered in England No. 2401034

[unclebulgaria67]

When did you take out the loans ?

 

When did you last defer repayment ?

 

When did you last have any contact with SLC in regard to repaying the loans ?

[renegadeimp]

Looks like a phishing letter

[Tangomann]

Hi Unclebulgaria,

 

I took the loans out in 2008 and first semester of 2009.

Circa 7200 in tutition fees and 8000 in maintenance.

 

I have never had contact from the SLC with regards to repaying the loans and I have never deferred payment either.

 

Left the UK in Sept 2009 after mortgage express repossession and various other credit issues.

I have no UK address or UK bank account but am returning to the UK within the next 2 years

so don't want to cause anymore credit issues.

[dx100uk]

new style loans so cant become statute barred

 

so if you are over the earning thresh hold in the uk

your employer will automatically deduct payments I believe.

 

bottom line is they need paying unless you are close to 50?

 

and yes they can mark your credit file if you fall into arrears.

 

dx

[unclebulgaria67]

Hi Unclebulgaria,

 

I took the loans out in 2008 and first semester of 2009.

Circa 7200 in tutition fees and 8000 in maintenance.

 

I have never had contact from the SLC with regards to repaying the loans and I have never deferred payment either.

 

Left the UK in Sept 2009 after mortgage express repossession and various other credit issues.

I have no UK address or UK bank account but am returning to the UK within the next 2 years

so don't want to cause anymore credit issues.

 

Given that these loans are enforceable for so long and you are returning to the UK, you really need to stay in contact with SLC. As far as I know, if you don't stay in contact, they will apply a default amount, as the current outstanding to chase and this may be subject to enforcement.

 

You really should complete any financial info for SLC and if necessary make the payments due. If you are not earning enough, you might be able to defer. You can't really escape this and may end up in a far worse position at some point in the future when they catch up with you.

 

Would suggest that you reply to SLC and advise them of your current position.

[Tangomann]

Many Thanks for the prompt replies and excellent advice. I shall email them now

[CelicaSupra]

Hi there

 

Have just recieved the same email as you. What was the outcome/response from SLC after you replied to the email? I have been abroad for 6 years and have not been in touch with them since leaving the UK

 

Thanks in advance for your reply

[renegadeimp]

Hi there

 

Have just recieved the same email as you. What was the outcome/response from SLC after you replied to the email? I have been abroad for 6 years and have not been in touch with them since leaving the UK

 

Thanks in advance for your reply

 

Do you ever intend on coming back to the UK?

[CelicaSupra]

I come back for visits but it is not in my immediate (5 years) plans to return. I don't want to rule it out forever.

[Tangomann]

Hi CelicaSupra,

 

SLC sent out some letters following the email wanting proof of income.

 

 

I sent the evidence that they asked for and am now paying them a monthly installment.

 

 

I will add that the monthly installment is higher than I had worked out I would be repaying,

so I am in the process of asking how they came to their repayment figure with a view to getting it lowered.

[Tangomann]

Hi again everyone,

just thought I would give you an update.

 

 

SLC decided that my payments should be 90 pounds a month, which I have begun to pay.

 

 

Having worked out repayments according to the SLC overseas threshold,

I should be paying back 36 pounds a month.

 

 

I have questioned this repayment amount on multiple occasions but have received no response

 

 

. Then I receive this wonderful email :

 

Dear Mr XXXX

 

Thank you for your recent email.

 

In relation to your queries regarding your Overseas Repayment Schedule, we

have passed your email to the relevant department who will respond to you

in writing in due course. Alternatively, you can contact them on

00441412433660.

 

You currently have a Grant Overpayment of £1347.00 and as we have been

unsuccessful in collecting this balance, your account has been passed to

Commercial Collection Services.

 

Please contact them as soon as possible on the below details:-

 

Commercial Collection Services

797 London Road

Thornton Heath

Surrey

CR7 6YY

Telephone 00448444120344

Email [email protected]

 

Yours sincerely

 

 

 

Laura Wylie

Collections Department

Student Loans Company

100 Bothwell Street

Glasgow

G2 7JD

 

Tele: 0300 100 0629

 

This is the first time I have heard of this alleged overpayment

which would be dated around Jan 2009 when I left my course.

 

Any advice on what to do?

I am still abroad and the SLC are not up for discussions it seems,

its like they are happy to take the money and not enter into correspondence to question payment amounts.

 

I am certainly not going to be dealing with Commercial Collections Service.

 

Anyone had dealings with this CCS?

 

Thanks all

[maroondevo52]

Hi,

 

Sending a SAR to SLC should let you know the score regarding the 'overpayment'.

 

http://www.slc.co.uk/freedom-of-information/requests-for-personal-information.aspx

 

Don't know much about CCS...

 

http://www.ccscollect.co.uk/slc-debt.html

[dx100uk]

they are a DCA and can be safely ignored

[maroondevo52]

they are a DCA and can be safely ignored