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    • having a green blob sadly doesn't mean i'm actually online, where I reside the internet is liable to interruption with no easy nor cheap alternative to get backup, one has to wait....   for the magic to happen and someone has to twists together the break in the +150mls of fibre cable or knocks the dish back in alignment across one microwave link over a body of water and i'm back online   it wasn't a childish emoji, tape up ones mouth and say nothing more... as the moral police will be up soon criticising CAG for condoning debt avoidance by confirming your correct assumption..there is nothing they can do about...   the only paypal debt to be wary of is the paypal credit card which a branded newday card which ofcourse is financed by a UK company under the consumer credit act and is legally enforceable in this country...   what is quite urgent ...and what are you scared about....
    • To follow up with additional information:   personal loans: 15k with Tesco bank  9.5k with Halifax bank   credit cards: 3.5k Barclaycard 4k MBNA 3.5k Halifax  4k Tesco bank    I would be grateful if anyone can advise what to do in my current circumstances.   thanks 
    • As for: 1. “Smallpox is just one thing,“ I don’t know what you mean by “just one thing” (especially when you are trying to put words in my mouth / create a “straw man”) - so it’s hard to answer. If you mean “one vaccine target not mutating over many centuries“ - yes.   “we have a 'cure'” : I never said we have a cure, yet another attempt to put words in my mouth. As for “treatment” rather than “cure” : Work on Cidofovir and its analogue brinCidofovir started, though they never got FDA approval. Tecovirimat: FDA approved.   “and its gone forever (apart from 2 declared labs (and maybe one alleged other lab at most))“   Never said that either. Official stocks are held in 2 labs (hey! You haven’t named the 3rd lab you said held stocks, and now your position has changed to “(and maybe one alleged other lab at most))“ - strange that!   A single case of smallpox anywhere in the world would be a global health  There might be stocks not found / not destroyed (though I’d hope not!) There might be “rogue actors” There might be “rogue nations” exhumed victims are a concern. None if that is in contradiction to what I’ve posted .....   ”Even if it isn't gone forever, we have the cure for the one virus which doesn't change/mutate” more trying to get me to say that which I haven’t said. We have treatments, we have vaccine. There are experts to rapidly identify any case, and (no doubt!) plans to isolate cases and contacts and ring-fence vaccinate. Some people can’t be vaccinated. There isn’t (currently!) enough vaccine to vaccinate the whole world. There are treatments. That is what I’m happy to say, but never have I claimed “there is a cure”   If smallpox re-emerges, if it isn’t contained rapidly I’d expect a massive death toll, followed by a renewed eradication program, then a period of post-eradication surveillance.....
    • Hi All,   I’m after some help regarding my current circumstances. I’ve been going through mental health issues over the past few months. Which has led to me to work part time as this moment of time.   I have a debt of around 25k in personal loans and 15k in credit cards. I’m in a position whereby I can not afford to pay anything towards these debts. What is the best solution towards this as I have to pay £550 towards the personal loans and around £300 for the credit card debts.    I would be grateful for your advice as this moment of time I am contemplating serious thoughts and I could do with some one that can help me find a way through this mess I am in.   kind regards,    
    • I found a life insurance policy, so there’s money, I’d rather try and get a settlement figure and pay them out the policy than have them put a charge on the house. I just begrudge using the money to pay that shit instead of the mortgage. 
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ste_barrett

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.


..

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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


..

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Done!

 

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

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