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urgent advice gratefully received: CCI student loan debt collection
rachelagain
Posts: 3 Newbie
hello everyone, I posted a while back (can't remember that log in due to brain fog panic, so I have re-registered). I have to contact the debt collection agency today or tomorrow.
The student loans company ignored letters changing my address, I was unable to defer in spite of earning much less than the threshold amount. This is a pre-1998 loan.
The student loan company's incompetence then led the CCI debt collection agency to repeatedly call my place of work and leave details of the debt with the receptionist, who then emailed this through to the whole organisation. I got in touch with student loans and pointed out the registered letters i had sent to them changing my address and proving low income, they did not respond apart from an automatic email saying that my loan is in process of being reclaimed from me. I got in touch with the debt collection agency to give them the right address. I have had another letter from the debt collection agency yesterday saying that unless I contact them to arrange repayment, then they are escalating this up further.
I know that I have good grounds to suggest that this whole process has been unlawful but i do need to buy time and am not coping well. As a freelance I earn less than £7k pa and had been struggling but managing.
My question is: if I call the debt collection agency and agree a monthly repayment, how much can they force me to pay per month, when I have such a low income? Also will interest be put on to this? And if I agree repayment but continue to pursue a complaints procedure, Ombudsman etc. will any repayment agreement be able to stop if I win?
Any advice gratefully received.
The student loans company ignored letters changing my address, I was unable to defer in spite of earning much less than the threshold amount. This is a pre-1998 loan.
The student loan company's incompetence then led the CCI debt collection agency to repeatedly call my place of work and leave details of the debt with the receptionist, who then emailed this through to the whole organisation. I got in touch with student loans and pointed out the registered letters i had sent to them changing my address and proving low income, they did not respond apart from an automatic email saying that my loan is in process of being reclaimed from me. I got in touch with the debt collection agency to give them the right address. I have had another letter from the debt collection agency yesterday saying that unless I contact them to arrange repayment, then they are escalating this up further.
I know that I have good grounds to suggest that this whole process has been unlawful but i do need to buy time and am not coping well. As a freelance I earn less than £7k pa and had been struggling but managing.
My question is: if I call the debt collection agency and agree a monthly repayment, how much can they force me to pay per month, when I have such a low income? Also will interest be put on to this? And if I agree repayment but continue to pursue a complaints procedure, Ombudsman etc. will any repayment agreement be able to stop if I win?
Any advice gratefully received.
0
Comments
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Just a quick PS. Over the last couple of weeks I've been trying to resolve this (and the Student Loans Company haven't been cooperating at all) I haven't really been able to find any free advice about my situation with the pre-1998 loan: do you have any idea which agencies might be able to help me quite quickly?0
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