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Capquest suddenly chasing a very old student loan - can they do that?

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Hi,

I left uni in 1999 and deferred my SL for a few years while my earnings were under the threshold. I started paying probably in about 2003 and stopped in 2007 when I left the country. I have not heard anything from SLC since then and have made no payments since then. I'm back in the UK now.

 

Today I got a letter from Capquest saying there is £2358 outstanding but they will accept £1650 as a settlement. I've read elsewhere here about asking them to provide a CCA or tell them that the debt is now statute barred as I have not heard from anyone or made a payment for 10 years now.

 

Could anyone advise me what I should do? The letter is not threatening, its written with green highlights (though I'm sure these will soon turn red), however it does say "If visible on your credit file we will mark your account as satisfied with a partial settlement flag". Obviously I don't want them going near my credit file.

 

Thanks

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Settlement and capquest means its a lemon debt. You can ignore it. Its SB. They know it but theyre so greedy they still try and get money from you.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

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Hi,

I left uni in 1999 and deferred my SL for a few years while my earnings were under the threshold. I started paying probably in about 2003 and stopped in 2007 when I left the country. I have not heard anything from SLC since then and have made no payments since then. I'm back in the UK now.

 

Today I got a letter from Capquest saying there is £2358 outstanding but they will accept £1650 as a settlement. I've read elsewhere here about asking them to provide a CCA or tell them that the debt is now statute barred as I have not heard from anyone or made a payment for 10 years now.

 

Could anyone advise me what I should do? The letter is not threatening, its written with green highlights (though I'm sure these will soon turn red), however it does say "If visible on your credit file we will mark your account as satisfied with a partial settlement flag". Obviously I don't want them going near my credit file.

 

Thanks

 

Can you confirm years you took out the loans.

 

Should be statute barred if first loan year was pre 1998 and you can just tell them what they are chasing is subject to statute of limitations and you ask them to stop contacting you unless they have proof to the contrary.


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Thanks everyone. The loans would have been taken out in 1995 to 1998 as I left in '99.

 

Will it definitely not affect my credit file?

Should I literally ignore it (|i.e. bin it), or get in touch with them to tell them its SB?

 

Thanks again, super quick service!

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the loans cant no

and I doubt a CCJ could be gained after all this time

 

 

are you resident at the last known address with SLC?

or would get mail if it went there

 

 

you need to read the threads in that link first and get up to speed as well.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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No, I'm not resident there, I presume it is my last address in 2008 before moving overseas. I don't know how Capquest got hold of my current address.

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credit file

 

 

ok well you need to protect against a backdoor CCJ.

send our statute barred letter from the debt collection section of our library


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Done!

 

Thanks very much...I'll be sure to hit that donate button if this works

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