Thesis student loan - Default after six years of agreed reduced payments

[Radioman22]

Hi all,

 

I've been on a debt plan with Stepchange for over six years with one debtor being Thesis Servicing, the student loan company. 

 

The other debtors on the Stepchange debt plan registered defaults from about three to six months after the debt plan was agreed, however Thesis had never defaulted....until now some six years and seven months since reduced payments were agreed vis Stepchange

 

I have this morning received three default notices, one for each student loan taken out.

 

I'm absolutely shocked and am not sure if they can actually do this so long after the  agreed debt plan payments (which I've never missed) If any one can help me I'd be extremely grateful. 

 

Thank you.

Edited January 22, 2022 by dx100uk
added A few blank lines only..dx

[dx100uk]

Thesis are Link DCA.

 

who ever said this was owed in the 1st place when you went and got scammed over all your debts at StepChange?

 

if you were not over the threshold nor in TRUE arrears (under SLC rules not Links cam rules) you didnt need to pay anything.!!!

 

when did you last defer and to whom before stepchange conned you about owed debts you didnt even owe in the 1st place

[Radioman22]

Thanks DX100uk.

 

These are the old style loans taken out to the SLC in 1992,1995 and 1997.

 

The loan wasn't deferred when I agreed the Stepchange plan ,so I was paying the full repayment amount prior to going on the plan.

 

I've never heard of a default being posted over six years from a commencement of an unbroken agreed payment plan so that is what I'm contesting.  It sound a bit dodgy

 

I assume that Thesis has the authority to issue a legitimate default notice?

[dx100uk]

why were you paying the full loan amount before you went to stepchange?

who told you it was owed ruddy fleecing link i suspect?

 

when was the last time you did defer? and to whom?

 

when did link get their hands on it?

 

looks like youve been had blind!!

 

dx

 

 

[Radioman22]

I mean I was paying the monthly student loan payment prior to going to Stepchange. I think originally to the SLC, but now to Thesis.

 

I'm not sure how long Thesis(Link) have had it in their dirty paws.  The inception date on the "Default Notice"  is June 2000.

 

Not sure when it was last deferred, about 2003 and under Thesis.

 

I want to give them trouble, but I need to know if a default after nearly seven year since the agreed payment plan has any legal weight??

 

dx100uk  Are you saying that Link hasn't got any legal claim to the debt?

[dx100uk]

could be so.

 

 

99.9% of debts owed to a DCA are bogus and never owed in the 1st place.

a dca is not a bailiff and have absolutely zero legal powers on any debt - no matter what its type.

 

 

info please as above please

 

 

[dx100uk]

Go to the slc website

See if you can register and look at your file on their portal

we have found lots of people can still view their stuff.

 

 

[Radioman22]

Ah that's interesting ,thank you.  SLC seem to have my old e-mail and mobile number.  Unfortunately I don't use those anymore so can't access my password without calling them up. So yes it likely follows that my data is still held by the SLC.

 

I'm not sure what that would signify though.

[dx100uk]

trying to set some dates.

why were you paying SLC were you over the threshold?

 

you say inception DN date 2000?

 

can you scan up what docs you have to one PDf please

trying to understand where all this info is coming from if you hold nothing written.

 

you should never just blindly pay any DCA on any debt with checking its enforceability.

dx