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STA Debt collection for University Fees


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Hi, I'm hoping you can help me please. 

 

STA have been sending me letters demanding an amount related to a University course.

 

I had started the course and left a few weeks later as I felt the course was poorly structured and was being taught by a newly qualified lecturer not the lecturer I had been told would lead it. I was not told at any point when leaving that I would owe any fees. 

 

I googled STA collections and found a standard letter which I sent to them stating that I didn't recognise the amount and it wasn't clear who this amount was owed to. I requested evidence of the debt. 

 

STA ignored my request and kept chasing the debt. Eventually they've sent me 3 copies of invoices which I had never received and a copy of what they are calling an 'enrolment form' which does not contain my name, address, signature or any other details that link any of this back to me. 

 

I had never made any payment to the University or STA I was never advised the costs of the course directly. I do not recall signing a contract or agreement when I started the course and STA and the University have not produced any evidence that I agreed to pay anything to them. 

 

I've attached the 'evidence' they've sent. Can anyone please help advise where I stand with this and what I should do next? I've kept all comms by email and have never phoned them. Fortunately they do not have a phone number for me. 

 

Many thanks

 

 

invoice.pdf enrollment form.pdf

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1 hour ago, ChocolateFrogCookie said:

I had started the course and left a few weeks later as I felt the course was poorly structured and was being taught by a newly qualified lecturer not the lecturer I had been told would lead it. I was not told at any point when leaving that I would owe any fees.

 

did you correspond with the college? about this?

 

how did you enrol.

turned up during the enrolment period and enrolled?

how was it discussed you would pay for it?

how old were you?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I have a terrible memory but here goes:

 

how did you enrol. 
i don’t remember 

 

turned up during the enrolment period and enrolled?

possibly but I really don’t remember if there was a form or something online - surely it’s the Uni that has to produce something I signed? 
 

how was it discussed you would pay for it?

I don’t remember any discussions of how much it was or how I would pay. I started the course without ever paying anything. 
 

how old were you?

I was 22

 

From what I read online STA (or the Uni) have to produce some kind of contract or document that shows I agreed to pay. Is that correct and if so I don’t understand why they havent produced it when I’ve asked in writing 3 times? If they can’t produce it then is there any validity to the claim?

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probably not, but thats not the point of a dca.

 

any dca is a totally powerless company 

they are not bailiffs and have absolutely no legal powers whatsoever on any debt no matter what it's type.

however as 99.9% of the mug population think otherwise and wet themselves and blindly pay on all manner of debts to a DCA

you can't blame them for trying.

 

pers i'd simply ignore them and not ever into any pointless letter tennis until or unless on any debt a DCA chases sends you a letter of claim.

 

dx

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks very much for this. I will read up on ‘letter of claim’.

 

I assume I don’t lose anything and there are no negative consequences of ignoring them and waiting to see if a letter of claim ever comes?

 

Out of interest does a letter of claim require evidence of the debt before it can be issued? 
 

thanks again for all your help. 

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never enter into pointless letter tennis.

a dca is totally powerless so ignoring what is powerless obv can't hurt you.....

 

there is no legal requirement to provide any evidence when issuing either a pre action protocol Letter of Claim nor upon the issuance of a court claim

 

keep reading up here ...you are doing a good job but widen your search but stick to cag.

p'haps redwood or harwood as they do these too.

 

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks again. Reading about the PAP and Letter of Claim I’m keen to understand the below highlighted in yellow. Am I correct in understanding that the creditor needs to confirm in the letter of claim that a written agreement exists and is available. (I assume an oral agreement isn’t relevant in this case.) 

 

Just trying to think ahead as to what my strategy is here if they do progress this. I suspect they may not have a signed agreement and/or that they failed to follow their own rules by allowing me to start the course without making any payments. 
 

I can’t seem to find comparable posts to use as reference as most of the STA/redwood/harwood seem to be quite different scenarios.

 

thanks again for your help

View recent photos.png

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they dont no

but, in their eyes they already have re your previous PDF's. of the gumph set you.

 

pers i wouldn't get to hung up on if/if not to date they are right or wrong nor have done right or wrong.

its seriously a non runner.

 

you or someone for you would have completed an enrolment form at the college or uni, and it would have been done with your knowledge and most probably signed by you in person there and then.

 

or you could have done it online on their website

 

there's no way you would have been allowed to attend even the 1st class without one existing.

 

don't worry about it in the sense of oh god i'm done for then.....

you are not.

 

p'haps don't limit yourself to reading cases specific to a course fee

more general reading of any claimform threads here will give you better understanding of the whole process IF IF IF it ever goes to court.

 

and that will be months away if ever.

 

there is also the otherside to all this.

if since the day you walked out, you have never spoken to the uni themselves, it might pay you to do esp upon raising a complaint...

don't forget STA and their dogs are operating upon the instructions of the UNI.

without there permission STA etc can do nothing...go resolve the issue...which doesn't mean paying!!

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 3 weeks later...

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please use one multiple page pdf only

read our upload guide carefully

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Apologies I hadn't seen that uploads need to be in PDF.

 

I have received the attached letter from STA which I assume is a standard letter as I've never spoken to them on the phone. I'm not sure what they mean by 're-commence recovery action'? Do I just continue to ignore them?

 

I have been in contact with the Uni who insist I need to pay the fees as I left the course after the first three weeks. They have not provided any evidence/documents that I signed an agreement to pay the fees or that I acknowledged that fees would be due if the course was left early. They referred me to their website which undoubtedly has changed since I was there. 

 

I appreciate I shouldn't reply to STA however I'm not sure how to proceed with this overall.

 

I've read the claim form page and I'm not clear if I can request a copy of a credit agreement from the Uni as I'm not sure if its standard for a University to have required a credit agreement to be signed? 

 

I'm not really clear what happens next and at what point I need to act. I've read about lots of different cases (fee related and non fee related) but can't find information on a case that is similar to mine. Do I wait until the Uni begins a formal action? I am concerned as I don't want the amount to increase from the already significant amount they are demanding.  

 

Many thanks for any help you can offer. 

staletter.pdf

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ignore ...yes its not a letter of claim from a solicitor with their client being the Uni.

until/if you get one of those pop back here.

 

no-one can add anything to any debt ...so can't increase it.

 

nothing to do with 'credit' but yes ofcourse you can request and they will have to produce all paperwork inc how they dealt with your dispute if the time comes and they move to court.

 

redwood or harwood are good names to put in our search top right in the red banner.

 

 

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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let it run 

get researching here as advised

like 

 

Programmable Search Engine (google.com) <<clickme

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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