Student Loan Agreement....

Lokolo

farso wrote: »

Older and clearly no wiser... People DO get taxes back, tax credits, council houses, job seekers, child benefits, needless uses of public services. Take your pick, theres probably a million more.

And you never got your taxes back... so you've never used public transport? Roads? Hospitals? Police? Fire?

You went to school did you not?

Char_pdc

anitlom wrote: »

I was under the impression no signed agreement for a loan, then the loan becomes unenforceable. I assume that it was the same for student loans?

But the OP said he signed for a loan, its just been lost over several years, which can happen in large companies.

I'm afraid OP I don't have much advice for you, because I haven't been in this situation myself. Morally, you took the loan out and were aware of the repayment clauses, so you still owe them money. Legally, I am unsure where you stand, as altho the original agreement has seemingly vanished, there will still be evidence of you receiving loan payments and paying them a percentage of your wages towards repaying the loan (please correct me if I am wrong). I guess what I'm trying to say is the attitude towards repayment is up to you, but be prepared for the consequences

anitlom

Okay are student loans not covered under the CCA? I dont know for sure but if they have lost your original credit agreement for example a loan from your bank - they would not be able to take you to court because they have no signed agreement. A bank could prove you had the money but without a signed agreement it becomes unenforcable. I don't know whether that applys to SLC

Oldernotwiser

farso wrote: »

Older and clearly no wiser... People DO get taxes back, tax credits, council houses, job seekers, child benefits, needless uses of public services. Take your pick, theres probably a million more.

What a strange way of defining "getting taxes back"!

If you're going to look at things this way, as Lokolo says, have you never used the health service, been to school or driven on roads. Assuming you have been to university, what about the £24,000 subsidy from the tax payer that you've received for your higher education? That amount would cover quite a few years' worth of the things that you mention.

(NB. Council housing isn't subsidised by the tax payer, it just isn't profit making.)

Oldernotwiser

anitlom wrote: »

Okay are student loans not covered under the CCA? I dont know for sure but if they have lost your original credit agreement for example a loan from your bank - they would not be able to take you to court because they have no signed agreement. A bank could prove you had the money but without a signed agreement it becomes unenforcable. I don't know whether that applys to SLC

I don't know whether this applies or not but Student Loans are so different from ordinary credit (not being credit scored nor wiped out by bankruptcy for example) it's quite possible that they may be different.

farso

Lokolo wrote: »

And you never got your taxes back... so you've never used public transport? Roads? Hospitals? Police? Fire?

You went to school did you not?

Public transport is private.
Roads are paid for by road tax.
Never used any public services like that, no.

Did not go to that kind of school, no.

farso

Oldernotwiser wrote: »

(NB. Council housing isn't subsidised by the tax payer, it just isn't profit making.)

Interestingly enough, council houses were purchased by the government in the first instance, then handed to housing associations free of charge. They could have been sold in order to provide extra funds to the treasury.

Lokolo

farso wrote: »

Public transport is private.
Roads are paid for by road tax.
Never used any public services like that, no.

Did not go to that kind of school, no.

So you've never got on a public bus or train? Ha. Yes of course. :rolleyes:
And you went to private school for the whole of your education?

dmg24

farso wrote: »

Public transport is private.
Roads are paid for by road tax.
Never used any public services like that, no.

Did not go to that kind of school, no.

Public transport is heavily subsidised.

Who do you think subsidises your university fees?

Where were you born - The Portland?

melancholly

now what's that phase about troll feeding and not doing it.... .... no, i can't remember!

if someone has managed all their life to use private education and private medical facilities (although admittedly the doctors will have been trained by the 'state' at a subsidised rate but let's not worry about reality right now) and private transport and private security instead of the police ever being remotely useful..... then really i think from that priviledged position they can't lecutre any of the rest of us who struggle finanically..... i assume they/their partner will never have children to get any benefit from that either (maternity leave, paternity leave, child benefit etc etc). i suppose they've never used any council services that are part funded by central government like rubbish disposal and street cleaning (although i'm sure there must be gated communities where that is possible......). i assume they have their own private fire service lined up just in case, to make sure on a point of principle......

i also guess that there isn't much of a feeling of taxation helping to redistribute wealth/opportunities being a very good thing for people who are not born into money.... or the way we treat the poorest in society being the best indicator of our humanity? ah well, some people have a very different view of the world to others!