Help With Student Loans - HERE!

Princess_Jane

Hi everyone.

You were great when I needed advice with student loan so hopefully you can help my husband.

We live in Dubai - notified the SLC we were moving, provided info on wages and were totally surprised when his payments jumped from £40 to £400 pcm.

His wages haven't increased in that proportion and living costs here are much higher, but the SLC insists Dubai is a cheaper place to live than the UK.

He's paying as much as he can afford every month (£200) but they have passed his case to Transcom and are threatening us with "international bailiffs".

They're also sending pretty unpleasant letters to his parents' house, despite him not having lived there for 17 years.

Complaints are ignored, they refuse to communicate by email and are generally being terrible.

How do we get anyone there to listen to us and what are the chances of the SLC sending bailiffs to his parents? (I don't believe for a minute they would send them to Dubai). His mam is in tears every day and wrongly thinks they're going to take her mobility car away.

sheramber

Princess_Jane wrote: »

Hi everyone.

You were great when I needed advice with student loan so hopefully you can help my husband.

We live in Dubai - notified the SLC we were moving, provided info on wages and were totally surprised when his payments jumped from £40 to £400 pcm.

His wages haven't increased in that proportion and living costs here are much higher, but the SLC insists Dubai is a cheaper place to live than the UK.

He's paying as much as he can afford every month (£200) but they have passed his case to Transcom and are threatening us with "international bailiffs".

They're also sending pretty unpleasant letters to his parents' house, despite him not having lived there for 17 years.

Complaints are ignored, they refuse to communicate by email and are generally being terrible.

How do we get anyone there to listen to us and what are the chances of the SLC sending bailiffs to his parents? (I don't believe for a minute they would send them to Dubai). His mam is in tears every day and wrongly thinks they're going to take her mobility car away.

Contact details here

http://www.studentloanrepayment.co.uk/portal/page?_pageid=93,6678653&_dad=portal&_schema=PORTAL

Princess_Jane

sheramber wrote: »

Contact details here

http://www.studentloanrepayment.co.uk/portal/page?_pageid=93,6678653&_dad=portal&_schema=PORTAL

Thanks, we've gone through all that. The outcome was the 400 pcm. They've now agreed to take his parents' address off and add our address here, which will be pretty much useless as there's no door-to-door postal service.

silentmike486

Hello,

I'm looking at doing this course:

http://www.warsashacademy.co.uk/courses/course-pages/beng-hons-marine-engineering-management/course-details.aspx

It's a top up course from what I have now (HND), to a BEng(hons). It is 15 weeks attendance at uni, followed by 18 months home study.

I'm sure this falls within the 25% requirement for tuition fees to be paid (120 credits over 20 months). However, I will struggle to attend uni daily for the 15 weeks, without a maintenance loan.

What are my options? I know that maintenance loans aren't available for part time students, but I can't find anything regarding blended learning. Obviously I can't work for the 15 weeks Ill be studying, although I can get a sabbatical from work.

sheramber

mother_mags wrote: »

Hi We live in Wales so student loan systems are very different to England or Scotland. Do you know anything about partial cancellation of student loan / debt that is being offered by the Wales Gov

Is this what you mean

http://www.studentloanrepayment.co.uk/portal/page?_pageid=93,6678622&_dad=portal&_schema=PORTAL

dlv13

Hi

Long shot as I know this thread was started 9 years ago but hopefully you may be able to help?

I was a student in 97/98 and had a loan and a grant. Unfortunately I dropped out and in every subsequent payday since I've had a deduction for Student Loans. I just started a new job and saw the latest deduction which is, to be honest, the first time it's dawned on me that I must have paid this off by now?

By my estimations (and I've not fully checked) I must have paid an average of £1,000 a year back other than a short period when I was a student again elsewhere (for which I have a separate student loan which I am up to date with). In total I'm guessing I've paid back between £15,000 to £17,000 and yet I can't have borrowed more than £6,000 originally. Because I'm an idiot I'd never though to question this before!

I have no idea who to contact about this since the SLC has gone (as the money has been deducted from my wages I've let it run and run, though I did receive a letter at an old address last year - it was apparently forwarded but I never received it.) Does anyone have a clue where I'd start looking into this?

Obviously, if I'm owed, a rebate would be great. But actually I'm really more interested in stopping further payments from being taken? I'm already on a DMP so don't want to upset the applecart, but if I am owed money this could go towards my other debts.

Any ideas or tips would be greatly received.

Ed-1

dlv13 wrote: »

Hi

Long shot as I know this thread was started 9 years ago but hopefully you may be able to help?

I was a student in 97/98 and had a loan and a grant. Unfortunately I dropped out and in every subsequent payday since I've had a deduction for Student Loans. I just started a new job and saw the latest deduction which is, to be honest, the first time it's dawned on me that I must have paid this off by now?

By my estimations (and I've not fully checked) I must have paid an average of £1,000 a year back other than a short period when I was a student again elsewhere (for which I have a separate student loan which I am up to date with). In total I'm guessing I've paid back between £15,000 to £17,000 and yet I can't have borrowed more than £6,000 originally. Because I'm an idiot I'd never though to question this before!

I have no idea who to contact about this since the SLC has gone (as the money has been deducted from my wages I've let it run and run, though I did receive a letter at an old address last year - it was apparently forwarded but I never received it.) Does anyone have a clue where I'd start looking into this?

Obviously, if I'm owed, a rebate would be great. But actually I'm really more interested in stopping further payments from being taken? I'm already on a DMP so don't want to upset the applecart, but if I am owed money this could go towards my other debts.

Any ideas or tips would be greatly received.

It's important you tell us the precise academic year you started your course as there was major change between in student loan systems between 1997/98 and 1998/99. Before 1998/99 the loans were 'mortgage-style' deducted from your bank account by direct debit. From 1998/99 onwards the loans are 'income-contingent' deducted straight from your earnings through payroll. It also determines which company now owns your loan as SLC own all loans taken since 1998/99 while private companies (such as Erudio) now own loans taken before the 98/99 academic year.

dlv13

Thanks for the response.

I started one course in September/October '97 and dropped out in February/March time. For some reason I had believed this was the one deducting from my salary, but from what you say it can't be.

The other I started in '99 (and I have been dealing with Erudio regarding this, even though I thought it was the other one!) Although the monthly direct debit loan is causing me no end of hassle (as I had overpaid that, but no Erudio are playing hardball) I am up to speed with where this one is.

So the one I feel I may have overpaid on is the one which is taken directly from my salary, not my bank account which presumably is the loan from '97.

Ed-1

dlv13 wrote: »

I started one course in September/October '97 and dropped out in February/March time. For some reason I had believed this was the one deducting from my salary, but from what you say it can't be.

Correct. The loan being taken direct through payroll is income-contingent and will be owned by SLC. The first income-contingent loans were introduced from September 1998 and none have yet been sold off. You repay currently at 9% of income earned over £17,335. You should be able to check the balance online by logging in here with your customer reference number.

The one from 1997 will be with Erudio.

dlv13

Ah!

I don't have my customer number to hand but at least this means I can check when I get home, thank you. Without digging out all of my salary over the last 15 years this may explain why I'm still paying as I suspect there's still a few quid left to go if it's only taken for anything earned over £17,335 per annum my wages for the first few years were under this (which means I probably paid very little off!!)

Thank you so much for your help. From memory it feels as if I've had Student Loan deductions from my salary forever but if this is the threshold it may only have been for the last seven or eight years, in which case I've probably not paid off anywhere near as much as I'd thought!