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  • FIRST POST
    • bmouthboyo
    • By bmouthboyo 22nd Feb 13, 5:42 PM
    • 60Posts
    • 3Thanks
    bmouthboyo
    SL payments when abroad - just pay default?
    • #1
    • 22nd Feb 13, 5:42 PM
    SL payments when abroad - just pay default? 22nd Feb 13 at 5:42 PM
    Hi guys,

    I have landed a job abroad where the threashold for repayments is £9480. My wage would mean I would pay more than the £147.60 default payment.

    My first question is can I just pay the default payment to keep them happy? If so how would I go about this?

    Secondly how would the SLC ever find out my wage given only £700 is paid in GBP and the rest in local currency? Do they have the power to snoop around into accounts, ISA's etc?

    I don't want to dodge the repayments but it is hard to establish an exact wage when accomodation, tax etc is sorted by my employer. I know my NET salary but if i start adding perks etc 9% over £9480 will hit me hard and defeat the point in moving abroad to save.

    Thanks in advance
Page 1
    • Voyager2002
    • By Voyager2002 22nd Feb 13, 7:29 PM
    • 11,031 Posts
    • 7,384 Thanks
    Voyager2002
    • #2
    • 22nd Feb 13, 7:29 PM
    • #2
    • 22nd Feb 13, 7:29 PM
    The rules are the same whether you work in the UK or abroad: you need to give them full details of the 'package' you receive, and allow them to work out the payments.
    • bmouthboyo
    • By bmouthboyo 22nd Feb 13, 7:35 PM
    • 60 Posts
    • 3 Thanks
    bmouthboyo
    • #3
    • 22nd Feb 13, 7:35 PM
    • #3
    • 22nd Feb 13, 7:35 PM
    So how do I fall back to default payments? In the UK they know my wage via PAYE but abroad they can't see anything.
    • Fire Fox
    • By Fire Fox 22nd Feb 13, 9:10 PM
    • 23,851 Posts
    • 27,065 Thanks
    Fire Fox
    • #4
    • 22nd Feb 13, 9:10 PM
    • #4
    • 22nd Feb 13, 9:10 PM
    http://www.studentloanrepayment.co.uk/portal/page?_pageid=93,6678653&_dad=portal&_schema=PORTAL

    If you complete forms incorrectly that may be deemed fraud, not a risk I would want to take. I am sure loads of overseas workers get accommodation as well as a salary, SLC will be well aware of that little dodge.
    http://www.telegraph.co.uk/finance/personalfinance/expat-money/9287346/Student-loan-could-land-you-in-court-if-you-move-overseas.html
    What a difference a day makes, twenty four little hours.
    • bmouthboyo
    • By bmouthboyo 23rd Feb 13, 12:05 AM
    • 60 Posts
    • 3 Thanks
    bmouthboyo
    • #5
    • 23rd Feb 13, 12:05 AM
    • #5
    • 23rd Feb 13, 12:05 AM
    I'm not too worried about that, my payments would be near on 350 a month! That's not hapenning, I am willing to pay but they state a default and I just want to know how I get to that. Seems silly to just not inform them so I can pay the 149 odd.
    • agrinnall
    • By agrinnall 23rd Feb 13, 9:32 AM
    • 15,668 Posts
    • 11,374 Thanks
    agrinnall
    • #6
    • 23rd Feb 13, 9:32 AM
    • #6
    • 23rd Feb 13, 9:32 AM
    Your attitude to the contractual obligations you have with SLC seems to be 'out of sight, out of mind'. Pay what you agreed to pay when you took out the loan or face the consequences.
    • bmouthboyo
    • By bmouthboyo 23rd Feb 13, 10:16 AM
    • 60 Posts
    • 3 Thanks
    bmouthboyo
    • #7
    • 23rd Feb 13, 10:16 AM
    • #7
    • 23rd Feb 13, 10:16 AM
    I would not say "out of sight, out of mind" as I am willing to pay and not just say I am travelling or worse ignore them. However can we keep morality out of this thread and focus on SLC default payments please.

    I guess this is made simpler by asking "How does one get allocated the default monthly payments of £147.60 by the SLC?"

    Is it just if you make no contact with them and they eventually find you, you will have to pay the backlog of missed months at this default amount, plus some "finder fee"?

    Or can I tell them I am off abroad and the destination and just make payments of £147.60 and everyone is happy?

    The SLC does not make it clear when and to whom this default amount is applied.
    • mountainofdebt
    • By mountainofdebt 23rd Feb 13, 5:39 PM
    • 7,426 Posts
    • 10,792 Thanks
    mountainofdebt
    • #8
    • 23rd Feb 13, 5:39 PM
    • #8
    • 23rd Feb 13, 5:39 PM
    However can we keep morality out of this thread and focus on SLC default payments please.
    Originally posted by bmouthboyo
    But you are asking advice on how to defraud an organisation.

    OK you may not be permenantly defrauding the SLC but whether its on a temporary or permenant basis, which ever way you look at it, its fraud.

    So as they say on Dragon's Den....I'm out.
    2014 Target;
    To overpay CC by £1,000.
    Overpayment to date : £310

    2nd Purse Challenge:
    £15.88 saved to date
    • agrinnall
    • By agrinnall 23rd Feb 13, 5:41 PM
    • 15,668 Posts
    • 11,374 Thanks
    agrinnall
    • #9
    • 23rd Feb 13, 5:41 PM
    • #9
    • 23rd Feb 13, 5:41 PM
    I'm with mountainofdebt on this, it's you that has brought your lack of morality into the thread so it's a bit much for you to tell us not to mention it. Anyway, I'm also out now.
    • bmouthboyo
    • By bmouthboyo 23rd Feb 13, 5:42 PM
    • 60 Posts
    • 3 Thanks
    bmouthboyo
    But you are asking advice on how to defraud an organisation.

    OK you may not be permenantly defrauding the SLC but whether its on a temporary or permenant basis, which ever way you look at it, its fraud.

    So as they say on Dragon's Den....I'm out.
    Originally posted by mountainofdebt
    As clearly stated above, the focus of this thread is how one gets allocated the default payments. I like to equip myself with all the facts before I make decisions. I never said I will commit fraud, I simply want to know whenthe default amount is applied.
    • amiehall
    • By amiehall 23rd Feb 13, 7:20 PM
    • 1,353 Posts
    • 1,609 Thanks
    amiehall
    I have also always wondered what these default amounts were and what purpose they serve. Does anyone actually know?
    • Fire Fox
    • By Fire Fox 24th Feb 13, 2:06 PM
    • 23,851 Posts
    • 27,065 Thanks
    Fire Fox
    I would not say "out of sight, out of mind" as I am willing to pay and not just say I am travelling or worse ignore them. However can we keep morality out of this thread and focus on SLC default payments please.
    Originally posted by bmouthboyo
    Fraud was brought into it to stop you risking a criminal record, Aggrinal raised the issue of your contractual obligations which is a legal not simply a moral issue. Illegal activity is also against forum rules/ MSE ethos, I doubt you will find anyone here with knowledge who will give you advice on this.
    What a difference a day makes, twenty four little hours.
    • bmouthboyo
    • By bmouthboyo 24th Feb 13, 2:51 PM
    • 60 Posts
    • 3 Thanks
    bmouthboyo
    I am a little unsure what you are going on about. I simply want to know more about the default payments that is all. I am not commiting a crime, nor asking help on how to. You may assume I will, but thats your prerogative.

    Back to the topic. The SLC obviously publish the default amounts for a reason and i wish to know every detail of this, who they apply it to, when, how, why, consequences, benifits etc.
    • Fire Fox
    • By Fire Fox 24th Feb 13, 2:57 PM
    • 23,851 Posts
    • 27,065 Thanks
    Fire Fox
    I am a little unsure what you are going on about. I simply want to know more about the default payments that is all. I am not commiting a crime, nor asking help on how to. You may assume I will, but thats your prerogative.

    Back to the topic. The SLC obviously publish the default amounts for a reason and i wish to know every detail of this, who they apply it to, when, how, why, consequences, benifits etc.
    Originally posted by bmouthboyo
    Why don't you put these questions to the SLC? You are not intending on dodging payments or incorrectly filling in forms so you have nothing to hide, have you?

    Secondly how would the SLC ever find out my wage given only £700 is paid in GBP and the rest in local currency? Do they have the power to snoop around into accounts, ISA's etc?

    I don't want to dodge the repayments but it is hard to establish an exact wage when accomodation, tax etc is sorted by my employer. I know my NET salary but if i start adding perks etc 9% over £9480 will hit me hard and defeat the point in moving abroad to save.

    Thanks in advance

    So how do I fall back to default payments? In the UK they know my wage via PAYE but abroad they can't see anything.
    Originally posted by bmouthboyo
    What a difference a day makes, twenty four little hours.
    • bmouthboyo
    • By bmouthboyo 24th Feb 13, 3:00 PM
    • 60 Posts
    • 3 Thanks
    bmouthboyo
    Well...
    This is a forum with a lot of people who may have experience in my situation, the forum is free and the forum is instant.

    SLC are understaffed, have a vested interest, costs to call them and takes time.

    Back to default payments please..
    • Poolie
    • By Poolie 24th Feb 13, 5:11 PM
    • 1,874 Posts
    • 5,856 Thanks
    Poolie
    It would be best if you phoned SLC for the information you require as it appears nobody has first hand experience.
    • mountainofdebt
    • By mountainofdebt 24th Feb 13, 10:40 PM
    • 7,426 Posts
    • 10,792 Thanks
    mountainofdebt
    OK I know I said I was out but sometimes, somebody asks a question that a simply 2 second google search answers the question....and then you have to wonder whether the OP expects to be spoonfed all their lives.

    If you bothered to read the slc blurb you will see that the default payment is the payment that you would be liable to pay if you didn't inform the slc of your actual salary.

    So by the sounds of it, go ahead , move abroad pay the default sum and you're happy......of course when the slc catch up with you ....well don't bother posting whinning how its all unfair that they're expecting you to pay the shortfall
    2014 Target;
    To overpay CC by £1,000.
    Overpayment to date : £310

    2nd Purse Challenge:
    £15.88 saved to date
    • bmouthboyo
    • By bmouthboyo 24th Feb 13, 10:51 PM
    • 60 Posts
    • 3 Thanks
    bmouthboyo
    I know that the default is a figure you pay if made no contact, that is obvious! I am more interested in the technicalities of it. let me give a few scenarios:

    1) I call the SLC and say my income will be hard to prove and irratic, would you be happy with default payments each month.

    2) Default payments are exclusivly issued to people who make no contact for over 3 months and are paid in a lump sum not monthly.

    3) Default payments are taken automatically from payees acount upon 3 months no contact .

    4) Default payments are only ever accompanied with fines for finding the payee and interest on arrears.

    I guess in essence I am asking for different situations the default has been applied.
    • bmouthboyo
    • By bmouthboyo 26th Feb 13, 8:41 PM
    • 60 Posts
    • 3 Thanks
    bmouthboyo
    All sorted guys, apparently it is calculated from the net money paid into my account as thats whats on the payslip, result its less than the default

    Thanks guys
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