Taking someone I owe money to to court

Horlock

Is there a way of forcing student loans company to prove that I owe them what they claim that I do?

I've had student loans for well over 10 years now, and during that time received letters stating all manner of nonsense - from: that I owe nothing, to that I am not required to pay anything, to I must pay immediately etc etc.

The letters offen conflict including letters on the same day stating completely contradictary information (such as your account has been deferred for 1 year from ..., same day your account cannot be deferred for 1 year due to lack of information).

Quite frankly I don't believe that they have any idea who I am or what I owe and they are making it up.

I've written and said that I will not pay anything until I have full details, but no response. Now I'm slightly concerned that they will start to charge fees.

I want to take them to court to force them to provide me with a detailed statement of what I have borrowed, what I have paid back, what interest has accrued, and what money is still outstanding. Anyone know if I can do this.

Situation is:
I do owe them money
I don't know how much
Their letters make no sense
I've put in writing to them that I will not repay until they do
(I am eligible for deferment - and have one letter which says that I am deffered - although others which say otherwise).
I have almost all paperwork for the past 13 years or so.

williham

Ring them up, they're generally quite helpful.

Tozer

williham wrote: »

Ring them up, they're generally quite helpful.

I've heard the opposite.

Financial Ombudsman Service?

pinkshoes

Send them a recorded delivery letter, asking for a statement saying EXACTLY how much you owe, otherwise you will consider the debt paid.

The people on the phone line are dumb, so often a waste of time.

Horlock

pinkshoes wrote: »

Send them a recorded delivery letter, asking for a statement saying EXACTLY how much you owe, otherwise you will consider the debt paid.

The people on the phone line are dumb, so often a waste of time.

Is this official or just what you think? I've already written numerous times. Most recently I faxed them, which comes with confirmation of delivery.

As for phoning it is a waste of time. The people you speak to are unable to do anything - something which is readily admitted on the phone. They just say to write - something which I've already done with no success.

dmg24

Can you not check your statement online?

glider3560

dmg24 wrote: »

Can you not check your statement online?

Yes, you can get your balance at www. studentloanrepayment.co.uk (new user so can't post links)
Just login with your usual Student Finance Direct details. If you don't have these, then you can set it up online as long as you know your ART ID.

Sol00

The problem is likely that you have 3 separate loan account numbers. When you apply for a loan it only last for that academic year and you need to re-apply for the following years separately.

Do you have any statements?

Fire_Fox

Horlock wrote: »

Is this official or just what you think? I've already written numerous times. Most recently I faxed them, which comes with confirmation of delivery.

As for phoning it is a waste of time. The people you speak to are unable to do anything - something which is readily admitted on the phone. They just say to write - something which I've already done with no success.

Do you have letters with multiple reference numbers or misspelled names?

Recorded delivery letters are more for your benefit than theirs. Keep writing but be sure you have the correct department and reference numbers. A paper trail mean you can get any charges taken off as it's clearly their fault they haven't replied. Also keep sending in deferment forms, again recorded delivery.

It might be worth you posting a query on the Debt-Free Wannabe board as they can advise on template letters requesting statements of accounts.

Horlock

dmg24 wrote: »

Can you not check your statement online?

That would be very nice - but no.

They sent me so called "details" but when I tried to login was told this is not available for your account.

Horlock

Sol00 wrote: »

Do you have any statements?

Yep, pretty much all of them, but as said above they make no sense.

As for the advice of keeping on writing to them, I don't see how that helps anyone. No offence meant and any pointers are greatfully received but I don't see what writing to a company who can't agree with themselves will do. The people I have spoken to agree that the student loans company doesn't know what it is doing.

Back to the original question:

Can I take someone, who I owe money to, to court?

Is this even possible? Even if illadvised?