UK Student loans now In Canada

[firefox60]

HI all its been 12 years since I moved to Canada I did inform the SLC of my address.

I did not have to pay since my income was so low.

 

This year I have been receiving letters from debt agency saying that they have brought the debt and want me to pay it back.

 

I believe that the old loans are now statues bard and it should only be one or two of the new type which are still with me

 

This year they have been sending letters to my old address saying the they have been sold off again to a new debt agency.

 

I have been on disability for many years and dont have much income

 

what should I do

 

many thanks

[unclebulgaria67]

What years were the loans taken our ?

 

Any period of 6 years where you have not paid or deferred ?

 

Who is chasing ?

[firefox60]

98 99 2000 2001

 

In the beginning they were deferred

then no contact since 2008

 

then the last couple of years letters saying that they had sent the loans to other companies

but did not responed to them for at least ten years

 

So longer then six years but the newer loans is different from the old ones I think

[unclebulgaria67]

Think you need to confirm the actual terms of each loan, as i thought only those pre 1998 could become statute barred.

 

If i am correct then when they catch up with you, there will be a debt from the date you did not defer. The debt will be the default amount per year from date to failed to defer up to now. They could enforce in Canada, but probably would not bother.

 

Are you returning to the UK to live ? If not, then ignore and get the person at your old address to return letters to sender, not at the adress.

[firefox60]

two where the old ones and two the new ones I think I dont have any documents about the loans long gone

I all ways put them back in the post with return to sender.

not to the UK but might to Europe

 

I dont know about the new ones from 1999 but the old ones should be gone since i am 57

 

he Government sold the £900 million pre-1998 loan book to Erudio last year.

Students with incomes under £28,775 a year have their repayments deferred,

while those earning over that amount repay in 60 equal mortgage-style monthly instalments.

 

 

Payments are primarily collected via direct debit and graduates with loans are required to have a direct debit set up in case they earn over the threshold.

 

 

The loan is written-off 25 years after graduating or when the individual hits 50 years of age.

[firefox60]

I read this to which I am

If a borrower can prove that they are permanently unfit for work, then the student loan will be written off.

 

You will need to submit two items of evidence supporting your claim:

[dx100uk]

if its erudio arrows cabot chasing then ignore

they are all part of the same group

so they've not been sold around

 

 

if your education ran pre to post in a yearly course with no breaks

then even if there are the 'new style loans' the old loan rules apply

 

 

a DCA is NOT A BAILIFF

[firefox60]

they should have finishes at 50 then

 

since I am permanent disabled I dont have to pay mine back

 

https://www.thesun.co.uk/money/3461883/how-long-before-your-student-loan-is-written-off-martin-lewis-reveals-the-date-when-repayments-stop/

[unclebulgaria67]

If you are back in the UK or will return, you should write back to whoever is chasing setting out the issues.

 

You have to understand that the DCA chasing these debts might not be totally aware of information regarding loan terms and at some stage they might just issue a UK court claim.

 

In theory this should not happen, if you advised of Canadian residency.

 

You might just want to get the matter cleared up properly, rather than let it drag on.

 

It might just cause you unecessary stress, when there need not be.

[firefox60]

Hi all,

I was thinking about returning to the UK.

 

Since I have not had any contacted with the slc for over 8 years are all my student loans status barred

 

I know they sold two off and kept two

 

the two company's sent letters but I never answered

 

also I heard that if you took your first loan out and then the later loans where taken out under the new rules then they are covered under the old rules is that right??

 

Also I was at uni from 98 to 2001

 

many thanks

Firefox

[dx100uk]

sold off 2 to whom?

[firefox60]

Don't know never opened the letter just return to sender but did have an email from them but don't know who and was having letters from a different one too but don't know who.

 

One of the post marks were from Deutschland and the other from wales

[dx100uk]

get that's usefull.

[firefox60]

Sorry cant be more helpful like I say the letters I never open and put on return to sender not know at this address and the email I blocked the sender.

 

So do you think they are Status barred by now

[dx100uk]

I think i'd worry about these IF anything further is sent to you

IF you did return perm to the UK.

 

if your not stuff 'em..

 

you certainly wont end up in debtors prison.

[firefox60]

I am hoping to return to the UK this year. But I think they should be SB by now its around 10 years with out contact.

Edited January 17, 2018 by firefox60
info

[unclebulgaria67]

Suggest you find out loan terms before returning. Were they old mortage type student loans that would be SB or not ? SLC might be able to clarify.

[firefox60]

UPDATE

I sent an email to the UNI I went to and I started in 97 and finished in 2001

So the loans will come under the old rules since I took the first one out before 98 is that right and if so they are all SB with no contact in 8 years.

[dx100uk]

yes

 

well done.

if they were concurrent years the old rules apply.

 

dx

[firefox60]

Thanks dx100uk

[dx100uk]

as post 7

whose the players writing and owning these now?

[firefox60]

Do you have a link to any documents about this please

 

I don't know never opened the letters from them

 

Thanks

[firefox60]

Capquest is one of them

[dx100uk]

= arrows=erudio...