Honours want full payment

[renee125]

I forgot to notify them of change of address and stopped deferring so they're now chasing for the full amount of my 1998 loans.

 

I've been a stay at home mum since 2013 so no income at all.

They've passed it on to Link Financial which I'm assuming is their debt collection agency.

 

They've said my last deferment ended 2014.

Which might be right as I moved that year.

 

They've also said I've breech the terms ie cannot defer anymore and loan won't end at 50 I can't declare bankruptcy or do an IVA.

 

Unless I win the lottery there's no way I can pay this and don't want a ccj.

 

What are my options if any?

 

Thanks

[AndyOrch]

Dont do anything and certainly do not contact or speak to Plink.......If they issue a court claim then you can deal with it.

 

Regards

 

Andy

[dx100uk]

if honours have sold the debt to link

which they have

then theres only one reason..its not enforceable for one reason or another

 

 

Plink like all DCA's on any debt

are totally powerless

they ARE NOT BAILIFFS

and have

NO SUCH LEGAL POWERS.

 

 

all they can do is the same as you or I if we are owed money

that's raise a court claimform.

 

 

sit on your hand until/if they do

[renee125]

Dont do anything and certainly do not contact or speak to Plink.......If they issue a court claim then you can deal with it.

 

Regards

 

Andy

 

I emailed them to ask about the deferments and that's what they've told me

[dx100uk]

honours would have sold the debt to link not passed it

you probably have had a notice of assignment?

or you've moved since last contact with honours and plink have found you and you've responded..opps..

[renee125]

Well I emailed honours and they said it's now with link. I don't remember getting any letters about it.

So what are my options now?

[AndyOrch]

No options required until/if they issue a court claim.

 

Andy

[renee125]

A bit over a year since I last asked for advice on here

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?477491-Honours-want-full-payment

 

not spoken to link since but it’s on my credit file.

 

another dca have added ccjs onto my file (3 totalling £1100)

I spoke to step change who said offer a token payment of £1 as my income and expenditure shows I have a deficit of minus £250 a month.

 

I’m just trying to pay my rent, council tax and utilities.

Even food is a struggle. so even offering £1 is rubbish!

 

Step change have said no but can a DRO clear the student loan debt from Link?

I’m screwed for a min 6 years anyway when I have so little I don’t want to be scared that bailiffs will be knocking at my door and taking my kids limited toys

Edited February 13, 2019 by dx100uk
spacing

[dx100uk]

i merged your new thread with your existing one about the honours plink loan.

I wouldnt go down dro route no

 

ive sometimes got little patience for the poor advice these so called charities give sometimes.

why don't you start a new thread about these CCJ's

 

I suppose yet again these are a result of you not updating people with your correct address I will guess and are backdoor served to an old address?

 

anyway..start a new thread in the financial legal forum

[dx100uk]

bit missed ..

 

theres nothing a bailiff can really do on consumer debt - esp if you have no money

theres no right of forced entry so forget about silly things like losing your kids toys they cant take them anyway

 

but we need the info first on these please

[renee125]

A bit more than wrong address but yes they’ve all gone to diff addresses and only found out cause they’re on my credit file.

I’ll start a new thread but why do you say no to DRO?

[dx100uk]

who says you have to pay anything .

it turns unsecured debts into secured ones too.

let get that thread running and look at the whole picture.