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Leonaz

Ignoring SLC and Transcom regarding student loan

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Hello,

 

My situation is similar to many others

- after graduation I left UK and have no intentions to return any time soon, it has been like that for 4 years now.

 

SLC have been contacting me and sending letters to my parents house in my home country, although I do not live there anymore, however I do reside in the same country.

 

Recently I've been getting phone calls from a phone number which as I researched belongs to Transcom Leeds e.g. a debt collection company.

 

The details of me SLC and I assume Transcom have, are my phone number and my email (been ignoring the emails as well), the address they have is my parents address, I do not reside there anymore. I have never made a single re-payment.

 

So my question is

it safe to just keep ignoring them?

 

I see that Transcom does have a branch in my country, but I assume they still have to act under UK law?

Am I facing a possibility to go to court if I keep ignoring them?

Can I go to UK for lets say two weeks holiday and don't worry about them knowing that I am there?

 

Any comments and answers would be very welcome, thank you.

 

 

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no debt collector has any legal powers - totally ignore they are not bailiffs.

 

when was the last time you deferred?

who are transcoms stated client?

 


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What exactly do you mean by "deferred"? 

At least in the email they sent me it says SLC. So I believe SLC has either sold my debt or hired Transcom to chase after me.

 

One thing that concerns me is - can they pass my data to their local branch of my country and then try to locate me? They have been calling me for the last week every other day.

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transcomm are a powerless dca stuff and all any dca can do about any debt they are not bailiffs and have zero legal powers...

even less on debts from a foreign nation...

 

you were supposed to defer your SLC loan every 12mts. from inception..

when was the last time you did so?

 

you can probably access your file via the slc website portal too.

 

dx

 


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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I think the last time I logged onto the SLC website was a year ago to check the digital versions of the letters they sent to my parents house, but I haven't sent them any details of my current address or employment for which they were asking.

 

In fact I don't think I have ever informed them that I even left the country, it just happened after I graduated, and they just kept sending letters to my old address by default.

 

However since 4 year have passed they probably did realize that I am not residing in the UK anymore.

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I will gather and didn't earlier, that the slc loan you have is post 1998 so new style not the old style mortgage loan

and is still owned , as they all are by SLC themselves.

 

should you not have been deferring every year as per the rules.??

 

 


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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As I said previously I have not gotten into contact with SLC since I graduated, so I would say no, I have not been deferring every year as I haven't sent them a single email or letter with updated employment or residency information. 

Does that somehow allow them to push me into paying?

 

By the way thank you for taking time and answering my questions dx100uk! 

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new style student loans  do not become statute barred

 

they exist, and are owed and can increase with non repayment penalties, until you reach 50yrs of age.  

 

all this info is readily available on any interweb search engine and the SLC website. 


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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But what if I am not intending to work in the UK ever again? Can they take legal action or somehow force me to pay when I am not residing in the UK?

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I think you already know that answer...


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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I don't that is why I am asking for your help but I'll take that as a definite "no, they can't".

 

By the way, I read a little about statute barred, isn't the time period for it supposed to kick in after a first missed payment? Since I did not work in the UK after graduation, it should of began right after that? Even for the new style loans. 

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gov't debts cant become statute barred.


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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Okay, but besides that, if I am not planning to be working in UK, can I have peace of mind by simply ignoring them? If I ever do have to work in the UK, sure I'll start repaying it then.

 

Cheers

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I don't believe your assumption that not working in the uk resolves you from paying .....no.

residing or staying in the uk, if you ever intend to before you are 50yrs of age could be very problematic.

this could well lead to legal action.

 

ofcourse these debts are not a criminal matter, so present no issues passing through at any passport control at this time.

but with some 250'000 people whom have had their education freely paid for by UK taxpayers and then for want of a better word fleeing to earn money on the back of these qualifications abroad, often earning well above the foreign earning limits requiring repayment which are clearly detailed on the SLC website and STILL not repaying the loans...

 

I can see the gov't upping the anti on recovering the £Billions owed in the near future.


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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