Is this CCA enforceable?

thechippy

Interesting indeed Ferms!

fermi

See this recent thread.

https://forums.moneysavingexpert.com/discussion/comment/50243687#Comment_50243687

Link Financial chasing a statute barred old style loan.

They were forced to admit it was statute barred and made to bog off.

MusicalLawyer

Ahhhh thanks for that info! It's interesting to see how they have changed the way the loans work.

It cannot be easy for them to keep track of every student loan when thousands of people each year take out student loans. This just makes sure every one pays back what they've borrowed

I've been trying to pay some of my loan back, even though I'm still in Uni and working, but am unable to log in to the SLC repayment site for some reason!

OP - if your's is only £6k I envy you. I'm already up to £33k with SLC!

Sixfingers

KellyKing1987 wrote: »

Ahhhh thanks for that info! It's interesting to see how they have changed the way the loans work.

It cannot be easy for them to keep track of every student loan when thousands of people each year take out student loans. This just makes sure every one pays back what they've borrowed

I've been trying to pay some of my loan back, even though I'm still in Uni and working, but am unable to log in to the SLC repayment site for some reason!

OP - if your's is only £6k I envy you. I'm already up to £33k with SLC!

Sorry to hear things have got a hell of a lot worse. I would go as far as to say immoral, and will force many post grads abroad I am sure.

thechippy

Answer to post #23?.......:whistle:

thechippy

Oh well, if you can't be bothered neither can I.

Night night...

Sixfingers

Sorry, the chippy. The claim here is not yet sb'd but will be in 1.5 years.

In anycase - having received an unenforceable cca, and a pre-litigation letter i now have two options:

1) challenge the CCA enforecability and pre-litagation letter > then later, go to option 2.
2) send an account in dispute letter

Any advice on which course of action is deemed the best?

thechippy

Sorry,

Was a bit touchy last night..;)

You could do both at once.
Send an account in dispute letter based on the fact that the paperwork is u/e due to the lack of the prescribed terms.

I'd also be asking for a copy of both the terms and legislation upon which they are relying to escalate 1300 to 6000!

The only confusing area is where you state that it was taken out in 1997, but the paperwork you have now says 2000??

fermi

thechippy wrote: »

The only confusing area is where you state that it was taken out in 1997, but the paperwork you have now says 2000??

If the 1st loan was taken out in 1997, then on a 3 or 4 year course there would be subsequent ones for 98, 99 and perhaps 2000.

Each loan requires a new signed CCA (I know, I have 4 separate signed agreements), so perhaps CrapQuest have just sent alleged paperwork for the most recent?

Just a guess......

thechippy

fermi wrote: »

If the 1st loan was taken out in 1997, then on a 3 or 4 year course there would be subsequent ones for 98, 99 and perhaps 2000.

Each loan requires a new signed CCA (I know, I have 4 separate signed agreements), so perhaps CrapQuest have just sent alleged paperwork for the most recent?

Just a guess......

Ferms,

Can you please stop guessing these things which I didn't manage to....:D