Jump to content
LL78

STA International Demand OUBSA Debt

style="text-align:center;"> Please note that this topic has not had any new posts for the last 421 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

In October 2016 I took out a loan online from the sister company of the O University (OU), OUSBA for close to 7.5K (for 2 modules). The repayments were 500 a month.

 

After a few months my circumstances changed and I was unable to make those repayments.

I arranged with OUSBA to pay a token payment of 60 a month until my circumstances changed.

 

My circumstances became increasingly worse.

I had and still have a lot of trouble with the OU - namely they refused to grade my end of year work because it was submitted a couple of days past the deadline.

 

However, this was due to malfunctioning software provided by the OU.

I have been appealing this decision (and other issues that I have had with the OU) for the last 6 months.

It has meant that I do not receive my degree.

It has been extremely stressful and has impacted negatively on my health as well as resulting in a loss of earnings.

 

Given all this I was unable to make one of the token repayments at the beginning of November, but paid it by the end of the month.

 

In January I received a letter from OUSBA which was dated the 23rd December 2017.

In this letter they refer to a Default Notice from the 25th November 2017 (which I did not receive) and said that they were terminating the agreement.

 

The last of my payments however was on the 21st December 2017 (2 days prior to this letter).

I wrote to them explaining the situation and asked that they revise the termination.

stating that I wished to continue with the token repayments until the situation changes.

I told them that I could provide a letter from doctor and also proof that I am currently unemployed.

 

They wrote back simply saying that the agreement has been passed onto their legal agents, STA International and I need to contact them.

 

A few days later I start receiving calls, SMS messages, emails, letters from STA International that state I must pay the rest of the loan 6.5K in full and I must respond to them within 14 days.

 

I am extremely nervous about this (I suffer from anxiety and the stress of dealing with the numerous issues with the OU has significantly intensified my condition

- I receive weekly professional help with it now)

 

I do not have this money, as mentioned above,

I am currently unemployed and struggling to make ends meet as it is.

I don’t want to make any mistakes in dealing with this.

Can anyone advise me on how best to deal with this situation.

 

Can STA take me to court? What’s the worst that can happen?

 

I am truly at my wits end after all of this.

Any advice would be greatly appreciated.

 

Many thanks

Share this post


Link to post
Share on other sites

read these threads

https://cse.google.co.uk/cse?cx=partner-pub-8889411648654839:6449422593&ie=UTF-8&q=STA+International+&sa=Search+CAG#gsc.tab=0&gsc.q=STA%20International%20&gsc.page=1

STA wont do court

but hadfields sols will if instructed by the uni

only the UNI can take court action

is there not a student union there you can contact.?

 

might be best to seek advise from them esp as you have 'medical' issues.

and continue your payment direct to the UNI as you have been.

 

STA are a DCA

a DCA is NOT A BAILIFF

and have

ZERO legal powers.


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

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

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

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

Thanks for the reply dx100uk.

 

Unfortunately, because it is distance learning university there is no union only a students association. I have looked at their website and their peer support section is undergoing some change so is not available at the moment and the other student support redirects to the university website support page . (I have tried to use this service throughout my studies but it caused more trouble than it did good)

 

Plus OUSBA state that they are not the university but a separate (sister) company.

I wrote to them explaining the situation and asking if I could continue paying them the token payments each month until I get things sorted and am in the position to pay more. But they wrote back saying it has been handed to their legal agents STA and I have to contact them.

 

I am nervous about dealing with STA. They have been very intense so far, calling many times a day and sending SMS and emails on top of that. Do you think I should contact OUSBA again asking if I can just deal with them and make the payments to them (After all I didn't miss the payment in November I was just late with it)

Share this post


Link to post
Share on other sites

Sta are not legal agents

They are a dca

 

You deal with the uni


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

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

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

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

Again, thanks for the reply.

 

The debt is with OUSBA, the separate (sister) company of the Uni.

I contacted them in January already asking that they rescind the termination of the agreement and allow me to continue to make the token repayments

but they just just referred me back to STA and said I need to deal with them.

Do you suggest that I contact OUSBA again?

Share this post


Link to post
Share on other sites
I contacted them in January already asking that they rescind the termination of the agreement and allow me to continue to make the token repayments

but they just just referred me back to STA and said I need to deal with them.

 

Have you put that in writing to the Uni? If not do so.

 

Once you have it in writing that they are washing their hands of it, then do nothing, ignore their pet DCA, in turn they'll return it back to the OU, who then might grow up and start a dialogue with you when they realise you're only going to pay them.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

HOW DO I START A NEW THREAD?

 

 

 

Share this post


Link to post
Share on other sites

Thanks Bazooka Boo.

 

If by Uni - you mean OUSBA (the sister company who I borrowed the money from) Then Yes, I put it in writing.

I'll attach what I wrote to them and their reply if you got a chance to look over it and maybe tell me if that's enough or if I should contact them again.

OUSBA Email.pdf

Share this post


Link to post
Share on other sites

OK so you have the OUSBA bank details?

 

If you were paying £50 a month to their account, then continue to do so, ignore their 'Agents' entirely....

 

You can if you wish respond to them, but be mindful of not getting into a game of letter tennis with them.

 

Simply,

 

Dear Bill&Ben,

 

Thank you for your recent correspondence, the details of which have been noted.

 

Unfortunately I am only able to pay £50 a month until my circumstances change, I will update you with my situation in three months.

 

I shall pay you via standing order, thank you for your assistance in this matter.

 

Sincerely.

 

 

Then set up a S/O to pay them each month.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

HOW DO I START A NEW THREAD?

 

 

 

Share this post


Link to post
Share on other sites

THANK YOU!

 

I'll do that. (email and pay OUSBA + Ignore STA). Hope it will work.

 

I will give an update if it was accepted or not incase it's helpful to others on here.

 

Many thanks again!

Share this post


Link to post
Share on other sites

I transferred £100 for jan and feb payment and emailed them (OUSBA) saying what bazooka boo suggested.

 

Thank you for your recent correspondence, the details of which have been noted.

 

Unfortunately I am only able to pay £50 a month until my circumstances change,

I will update you with my situation in three months.

 

I have transferred £100 for January and February and shall pay you via standing order,

thank you for your assistance in this matter.

 

Today they replied saying :

 

Thank you for your email.

 

I have looked at your records and can confirm that you account is now been referred to our collections agents.

You need to contact them to arrange your payment plan.

 

Should I just continue to pay OUSBA with the standing order I set up ?

or do I have to contact STA as they say?

Share this post


Link to post
Share on other sites

ignore pay OUSBA


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

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

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

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

You are under no legal obligation to pay anyone other than OUSBA.

 

This is the problem with emailing drones, you always get the standard knee jerk response.

 

No-one even read your email, you need to write them instead and tell them this is what is happening, you need a paper trail not a data trail.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

HOW DO I START A NEW THREAD?

 

 

 

Share this post


Link to post
Share on other sites

What do you mean write them and tell them this is happening?

 

I wrote to them in January explaining the situation but they said that it's too late and i need to contact the STA

I do get the impression that they are reading the mails - they answered a specific question etc.

 

I also sent them what you suggested with regard to the standing order. I do get the impression that they are reading the mails - they just will not 'deal' with me anymore.

 

I will ignore as Dx100 suggests - for now anyhow - (STA have been calling and texting again today.)

 

But I'm still a bit nervous cause someone suggested to me that they more than likely are entitled to default the agreement and make me deal with STA because I originally breached the contract by not paying them back the original 500 a month.

So therefore I *have to do as they say and contact STA to make repayments.

 

Thanks for your replies, they're really appreciated.

Share this post


Link to post
Share on other sites

well that somebody is TOTALLY WRONG.


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

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

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

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

Okay, good!! Happy to hear you say that!

I'm gonna go with the standing order and ignore.

 

Will keep the thread updated incase it's of help to others.

 

THANKS again!

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?




  • Tweets

  • Posts

    • oh and it's Andrew wilson and co. enforcement officers
    • i have just this minuet sent them a SAR. hopefully i'll get something from them, but so far they havnt responded to any emails i sent. my ex has already written the letter explaining things for the judge to read when it finally get to court.    shes a decent woman and if i asked her she would come down and go to court with me, in her letter she accepted responsibility i just can't under stand why the water company won't respond ??  feels like i'm going to get shafted here, how it can go from £890 to £3200 in the space of two weeks i don't know, i'm really lost 
    • If the debt is settled within a certain timeframe (ie x days or weeks from date of the order) can the CCJ be removed? 
    • Please give more details about the collection agency. You say that you are able to get something in writing from your ex-partner that you are not responsible. I suggest that you get that immediately. Is your ex-partner prepared to take responsibility for the debt? The jump from £890-£3200 sounds enormous and it sounds to me as if they must've moved this up to the High Court for enforcement. You will get more specialised help soon – but in the meantime send the water company an SAR and get the statement from your ex-partner.  
    • hi. i never actually got any letters from anyone untill i found out about the CCJ then i asked the court for details of who it was from southern water company,  then as soon as i phoned up the collection agency they came around was rude as anything and said they was going to take my stuff.   then told me the bill had gone up from £890 to £3200.  that's when i got a stay at the court, other than that i havnt had any letters at all   
  • Our picks

    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
        • Like
      • 0 replies
    • 30 Day Right To Reject - Vehicle Casualty Report. Read more at https://www.consumeractiongroup.co.uk/topic/415585-30-day-right-to-reject-vehicle-casualty-report/
      • 57 replies
×
×
  • Create New...