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Better to be able to pay a lesser amount- thats what I'm hoping for anyway.

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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  • 1 year later...

Hello! I'm just on here having a butchers.. I've ended up in a "situation" with student loans.. I took out my first loan in 1993, defered until 2002, when deferment letters did not arrive.. Forgot all about it.. and.. last month a get a letter from a debt colletion agency.. I phoned them, they advised I call SLC, spoke to a chap who said my deferment period had expired??? and I agreed with him to pay £25 per month direct debit.... Last week letter arrives from debt collection agency who are going to start court proceedings on 9/9/8.. I phoned SLC and eventually got passed around to the chap I agreed the repayment plan with and he said.."oh but its gone to an agency, not much I can do".. I argued how could he set up a repayment plan when it was already with the debt agency. I asked him for a copy of the original agreement.. he said he'd have to check if they still had it and that it would cost me?? Needless to say the debt agency were horrid, asked for money each month.. I just wonder if anyone can help me?? Surely they don't expire?? How can the SLC come to an agreement with me and then go back on it?? All help/advise would be greatly appreciated!!...... Oh my first post on this forum!!

 

Django.

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If the deferment "expires" and you are still eligible, you just renew it usually!

 

Stop everything, sent a CCA request through the DCA, and send a SAR to SLC- then reclaim all of your charges. Also write and ask them for a deferment form if you are still eligible- did your circumstances change in 2002?

 

Finally, start your own thread in this section of the forum, so we can help.

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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  • 1 year later...

Appreciate this is a bit of a ye olde thread but just wondered if any one could give their views on my predicament with the beloved SLC.

 

My situation is thus!...98/99 I apply for my 1st year loan using my forename and surname, 00/01 I apply for a further loan using my forename, middle initial and surname. When you apply for your new loan each year this just gets added to your one account. However as my middle initial was included, the SLC computer couldnt handle it and generates two accounts.

 

I begin having payments taken around 2003. However due to the way their systems are set up payments can be allocated to one loan at a time. So eg for 03/04 Loan A receives payments whilst Loan B sits there gathering interest. The following year payments are allocated to Loan B etc.

 

The Last payment to Loan B was received at the end of the 04/05 tax year. I then begin making a concerted effort to pay off Loan A assuming that this is the total of what I owe SLC, make overpayments and clear it off by Nov 2006. A few further payments are taken but refunded.

 

I later discover that Loan A and B are merged at the end of the 06/07 tax year. This problem had been brought to their attention much much earlier.

 

Coming forward to Sept 2009, I havent heard anything from them for 3 years, I have been over the threshold for making payments and have been in constant employment since 2006. I then have £80 deducted from my wages and find out I apparently owe them £320!!?!?!!?!?!?

 

Speaking on the phone is getting me nowhere quick so Ive started emailing and writing.

 

What I want to clarify is this...

 

Is a student loan covered by the Consumer Credit Act? It was over a decade ago I applied so i no longer have any original paperwork.

 

Do they come under the Banking code?

 

I have submitted a DSIR and sent/emailed complaint letter to them however what other options would I have open?

 

Any advice would be really appreciated

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Thanks everyone for this interesting thread. I am just about to start my second year as a mature student, so this reading has given me a real heads up. Sorry I can't offer advice at the moment as I am not in any of your predicaments (thankfully) at present.

 

Good luck everyone.

x:)x

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I would be grateful if anyone can offer advice on my predicament.

The situation is complicated so please bear with me as I try to explain it as simply as possible.

I am now a 62 year old pensioner.

As a mature student, I took out two Student Loans in 1995 and 1996.

Each subsequent year I applied for and was granted deferrment. In 1997 I went abroad and have not lived in UK since. I have not worked so never reached the income threshold to begin repaying the loans.

Because I was travelling (accompanying my husband in his overseas postings) it was difficult to send and receive mail promptly. I therefore had a post restante address in UK and mail was sent on to me wherever I was. This resulted in occasional delays, but I always kept SLC informed and as far as I was aware responded to their communications as quickly as possible. Several times I contacted them when the usual deferment application papers had not reached me at the appropriate times. I was careful to always apply for deferment each year. Nevertheless, SLC denied receiving my applications and claimed that I was in arrears.

I have disputed this claim but they are getting very heavy with me . I am so worried as they are saying that I owe almost £2000 in arrears and the interest is accumulating alarmingly fast.

In 2006, I received a letter from Wescot Services (SLC's nominated debt recovery company) saying that they were not pursuing the debt any further. I took this to mean that the matter was now settled and took no further action. However, deferment applications continued to arrive , so I filled them in and returned them together with a copy of Wescot's letter, reminding them that I had been told that the matter had been dropped. No response from them was ever recieved.

Earlier this year, I started to get very heavy letters from them demanding financial information on my circumstances. The information I supplied is that I will be 63 in October and my sole income is my State pension of £105 per week from which there is no remaining disposable element.

I am worried sick about the situation. I don't have access to additional funds. I believed (and still do ) that I had complied totally with the terms of the loan. I have always kept SLC informed but they deny receipt of two of my deferment applications.

I now always send my letters to them by recorded delivery as they so often deny receiving mail.

If you have any advice to contribute, I would be so grateful as the worry is affecting my health. I can see no way out of the situation. I live in the EU but not in the UK so I have no idea what SLC can do to me. I completely dispute their claim that I owe any arrears. Their record on "failing to receive" mail is very suspicious and there seems to be no truly independent adjudicator. The so-called independent assessor works within SLC so I don't see how he/she can really be independent.

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Hi darb 34

I hope this may help, I came across it on Martin Lewis's money saving forum courtesy os someone called "Finbar"

 

"Loans pre-1998 that haven't ever been in arrears are wiped clean 25 years after your repayments started (even if payments have previously been defferred), if you reach the age of 50 (60 if you were over 40 when you started the loan), if you become permenantly unfit to work or if you die.

 

If post-1998 loans haven't been repaid, possibly due to consistently earning less than the payments threshold, once you reach 65 (for loans taken before September 2006) or 25 years from the first April of graduation (for loans after September 2006) debts are wiped clean. They are also cancelled if you become permenantly unfit to work"

 

Cheers

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Hi Tortilla,

Thanks for your reply.

I thought that debts were cancelled at age 60 too - but SLC claims that because they say I am in arrears, that doesn't apply.

I suspect that they engineer arrears to get around this entitlement but of course there's no way I can prove it. Catch 22.

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  • 1 month later...

I paid a large amount to the SLC (via Wescott) in 2004 which as I understood it was clearing my loans (all pre-98). I left the UK for a number of years and have now returned to find that none of my loans were actually paid off with this money, but instead it was aportioned between them, thus leaving me with 3 loans balances still outstanding. The sum paid in 2004 would have totally paid off at least two of the loans, is there any grounds for complaint here, I feel at this stage like they will just keep asking me for money.

 

Whenever I ask for an explanation I am fobbed off, and never (even though I've asked) receive correspondance explaining this?

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gatser - I have a similar predicament to yourself. Basically i was told it was paid off but 3 years later i found it wasnt which was due to a admin error they made 10 years previously and took 7 years to sort.

 

Just keep firing the letters off to them and make sure its very clearly marked as a complaint. It wasnt until i wrote a letter to the cheif exec and the majority of the management board that i actually got an acknowledgement of complaint! that was dated 28th sept with a promise to respond in ten days!

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After a lull in communications from SLC they have once again started their phone harrassment nonsense. Nine years this has been ongoing. They claimed I had not returned a deferment form in 2000 and, although I had politely suggested that this was without doubt a clerical error on their part (recorded delivery slip as proof), this was ridiculed by their phone numpties. They said they didn't make clerical errors. I pointed out that I had in my possession a letter marked 'confidential' concerning the account of a Mr Capel of Brighton which had been sent to me in Scotland from the SLC which contained full details of his account but nothing in the envelope about my account; could this be considered a 'clerical error'? Clearly we have differing opinions as to definitions of 'clerical' and 'error'.

And so it goes; I have had solicitors, lawyers, an MSP and a Peer of the Realm acting on my behalf with regard to the behaviour of this QANGO but to no avail. They clearly believe themselves to be above the law: I believe them to be acting outwith the law. Just another bunch of cheap crooks. This year I am being less 'polite'. Take heart all you folks who get understandably worried by these cheap gangster tactics; remember the Nuremburg Trials? These guys are no different...just following orders!

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After a lull in communications from SLC they have once again started their phone harrassment nonsense. Nine years this has been ongoing. They claimed I had not returned a deferment form in 2000 and, although I had politely suggested that this was without doubt a clerical error on their part (recorded delivery slip as proof), this was ridiculed by their phone numpties. They said they didn't make clerical errors. I pointed out that I had in my possession a letter marked 'confidential' concerning the account of a Mr Capel of Brighton which had been sent to me in Scotland from the SLC which contained full details of his account but nothing in the envelope about my account; could this be considered a 'clerical error'? Clearly we have differing opinions as to definitions of 'clerical' and 'error'.

And so it goes; I have had solicitors, lawyers, an MSP and a Peer of the Realm acting on my behalf with regard to the behaviour of this QANGO but to no avail. They clearly believe themselves to be above the law: I believe them to be acting outwith the law. Just another bunch of cheap crooks. This year I am being less 'polite'. Take heart all you folks who get understandably worried by these cheap gangster tactics; remember the Nuremburg Trials? These guys are no different...just following orders!

 

 

Contact this office mate -

 

Minister of State (Higher Education and

Intellectual Property)

 

Private Office to The

 

Rt Hon David Lammy MP

 

Telephone: 020 7215 5923

 

Email: [email protected]

 

this is the mp who under legislation has power over slc debts :)

 

Anything posted above is all Public information in the public domain from gov website :)

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Good Morning! Many thanks for your reply; much appreciated. I will scroll through the .gov site as suggested. I'm not sure though, whether Lammy would be the guy for me as this is Scotland and we have our own 'pigs at the trough', and the last time I had an MSP look into this he was fobbed off by the SLC (as was Lord K).

In the last two days I have had eleven phone calls from SLC and another at 9.15 am today: this has ceased to be annoying...we've gone on to another level altogether - it's insanity!

But I do thank you for your response - it's good to know others are in the same boat. Perhaps organising the 1000s who are unfairly persecuted by the SLC scams would be a step in the right direction? It seems scandalous enough to me and we're all voters (although, as the ex-mayor of London once said, "If voting changed anything, they'd have banned it years ago." Thanks Ken).

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Good Morning! Many thanks for your reply; much appreciated. I will scroll through the .gov site as suggested. I'm not sure though, whether Lammy would be the guy for me as this is Scotland and we have our own 'pigs at the trough', and the last time I had an MSP look into this he was fobbed off by the SLC (as was Lord K).

In the last two days I have had eleven phone calls from SLC and another at 9.15 am today: this has ceased to be annoying...we've gone on to another level altogether - it's insanity!

But I do thank you for your response - it's good to know others are in the same boat. Perhaps organising the 1000s who are unfairly persecuted by the SLC scams would be a step in the right direction? It seems scandalous enough to me and we're all voters (although, as the ex-mayor of London once said, "If voting changed anything, they'd have banned it years ago." Thanks Ken).

 

 

Give them a call mate, they will point you in the right direction at worst :)

 

What you have to keep in mind is legislation, nothing else. Read it, read it again.... the only person under legislation who has power over the slc is sec of state (staff).... a local MP would get fobbed off, as they dont know the legislation and prob can not be bothered to look into it in detail.

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I've got my charges statement back from the Student Loans company, but I'm struggling to find a template for the next letter i send asking for a refund?

 

Can anyone help me, by cutting & pasting a copy of the first letter you send to them, asking for the money back? People keep posting me links on other threads but they aren't sending me to the right letter?

Up The Mariners

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  • 2 weeks later...
I've got my charges statement back from the Student Loans company, but I'm struggling to find a template for the next letter i send asking for a refund?

 

Can anyone help me, by cutting & pasting a copy of the first letter you send to them, asking for the money back? People keep posting me links on other threads but they aren't sending me to the right letter?

 

Use the CAG bank charge preliminary letter in the CAG library and adapt to suit.

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  • 1 year later...

Wow it's been a few years since anyone added to this thread, but the info here is priceless - thanks Badger.

 

I've started my own thread also, it's showthread.php?304653-Student-Loan-Company-Help-from-Ireland-please

 

It seems like they're constantly getting people's addresses mixed up, no doubt this is due to their backend computer systems - perhaps a government audit is in order? :-)

 

It's intersting to know that the charges they apply are not legally enforcable - somehow I owe a total of £16.5k from a loan of £10k or £13k (yes they can't decide how much I borrowed!) - and I'm now wondering how much of this total is made up by charges.

 

I'll let you know how it goes with my thread on this thread - as I hope to get this resolved asap.

 

If anyone has any advice, please by all means let me know :wink:

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Wow it's been a few years since anyone added to this thread, but the info here is priceless - thanks Badger.

 

I've started my own thread also, it's showthread.php?304653-Student-Loan-Company-Help-from-Ireland-please

 

It seems like they're constantly getting people's addresses mixed up, no doubt this is due to their backend computer systems - perhaps a government audit is in order? :-)

 

It's intersting to know that the charges they apply are not legally enforcable - somehow I owe a total of £16.5k from a loan of £10k or £13k (yes they can't decide how much I borrowed!) - and I'm now wondering how much of this total is made up by charges.

 

I'll let you know how it goes with my thread on this thread - as I hope to get this resolved asap.

 

If anyone has any advice, please by all means let me know :wink:

 

My advice is phone them and enquire how much of your loan is made up of penalty charges. Send them the SAR etc and immediate send official written request to remove from your account. They will refuse, send a LBA, then proceed to small claims court when you receive no comms from them.

if your experience is anything like mine, they will phone and offer to settle out of court immediately. It costs them nothing as these charges are just bits of paper and should they go to court an lose, there would be a deluge of claims.

Good luck and if you need any advice ask.

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Hi Keffs,

 

Thanks for the reply.

 

I actually raised a complaint with the SLC re: poor correspondance with overseas customers.

 

Long story short, after 3 weeks of no response after rejecting their request for me to send personal information information via email (for a trivial question that applies to all overseas people), an individual from the compliants dept called me.

 

We discussed the compliant and my situation, and he promised to help with both.

So far, he's printed out a statement, scanned it and mailed it to me (so they can do this via email when they initially claim they can't).

 

There's no charges listed, but discrepancies in it against some details an advisor told me on the phone 2 weeks previously.

 

The interst charges seem inconsistant with the fixed interest rates they publish on the website (they go up and down) and the amounts seem excessive sometimes.

 

So I stated that I would like to dispute these transactions for investigation and suggested a full audit on my account (their software should be fully auditable).

 

This was all done via email - and I've had no reply for a few days now...

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Hi Keffs,

 

Thanks for the reply.

 

I actually raised a complaint with the SLC re: poor correspondance with overseas customers.

 

Long story short, after 3 weeks of no response after rejecting their request for me to send personal information information via email (for a trivial question that applies to all overseas people), an individual from the compliants dept called me.

 

We discussed the compliant and my situation, and he promised to help with both.

So far, he's printed out a statement, scanned it and mailed it to me (so they can do this via email when they initially claim they can't).

 

There's no charges listed, but discrepancies in it against some details an advisor told me on the phone 2 weeks previously.

 

The interst charges seem inconsistant with the fixed interest rates they publish on the website (they go up and down) and the amounts seem excessive sometimes.

 

So I stated that I would like to dispute these transactions for investigation and suggested a full audit on my account (their software should be fully auditable).

 

This was all done via email - and I've had no reply for a few days now...

 

At least they are engaging with you and addressing your complaint. I can only speak knowledgably on the penalty charge situation, whereby they charge you £20 a letter for correspondence etc. As far as interest is concerned, I cant really see you having any worthwhile complaint - I very much doubt that they have charged you too much.

Good luck.

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