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Gov't propose to prosecute on failure to repay student loans


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Government will prosecute those who fail to repay their student loans on time, warns Jo Johnson

 

The Government has warned it will prosecute graduates from across the UK and overseas who fail to pay their student loans back on time as part of a new strategy.

 

In a statement from Minister for Universities Jo Johnson to the House of Commons, the politician said the new plans were needed to ensure the repayment system remains “fair, robust, and efficient” as the higher education system sees more people gain entry than ever before, due to a cap-lift on numbers.

 

New plans come into place as the higher education system looks set to take on more students than ever before

 

http://www.independent.co.uk/student/news/government-will-prosecute-those-who-fail-to-repay-their-student-loans-on-time-warns-jo-johnson-a6869221.html

 

Sign this petition to ask the UK Government not to make student debt a criminal offense

 

https://petition.parliament.uk/petitions/121888

 

Its all over the news papers/websites, not law yet but in legislation stage - partner countries (EU and AU) supply tax details and then UK prosecutes... don't ask me how

 

The US have been sending in armed (police) thugs to get debtors to sign repayment plans

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thread tidied

links inserted

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 you enter into an agreement you shoukd keep to the terms, but this applies to government as well.

 

Not sure it should be a criminal offence, but I guess they are looking at how they have dealt with this in New Zealand. By making it criminal, they can stop you at UK borders, so those worried about it affecting travel, will decide to come to an arrangement. Also easier to pursue it as a criminal matter abroad.

 

On a political note, why have the electorate not considered that one party is more likely to increase various fees and taxes than another. Labour introduced student fees, but it was the Tories under the coalition that trebled most fees to £9k a year. Now they are making student nurses take out more loans etc. If there is a choice to be made, i would rather they made education and apprenticeships a priority for taxpayer help, rather than some of the other decisions made based on likelyhood to vote. The Tories have a habit of penalising younger people who are less likely to vote for them. They forget that it is those younger who pay the future pensions of their parents, grandparents. Stitching them up with education loans, while they have impossible spending demands to rent or buy a home, is very short sighted.

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It is very shortsighted to saddle those leaving University with huge debt and then make it a criminal offence if they have problems repaying it ?

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http://www.dailymail.co.uk/news/article-3436477/Lock-prisoners-just-weekend.html

 

Presumably this is why he plans on making so many prison reforms to free up space to put those who are unable to repay "tax payer" debt for one reason or another !!

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Uploading documents to CAG ** Instructions **

 

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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They are nasty enough to make it retrospective to revive all the written off loans. But really willthis mean that deferment will be removedin practice.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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  • 1 month later...

Ok Some figures!

There are approximately 2 million students currently at UK Universities (figures from HESA).

 

 

If you assume that 10% are not from the UK, and 1/3 graduate every year that give you a rough number of 600,000 graduates every year.

 

 

By their own estimates 45% do not repay their loans so we get 270,000 students who will not repay their loans every year

 

 

The current prison population is about 80,000 (home office figures).

 

 

So where are they going to find room to accommodate the 270,000 graduates - remember this is an on going number so after 1 year there will be 270,000 graduates, after 2 years 540,000 graduates.

 

 

The other problem with this is that generally if you have a criminal record it is quite difficult to get other than a low paid or menial job.

 

 

So the whole idea of criminalising those who do not repay their loans is completely unworkable.

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