Horrific credit rating

scoobydoothedog

I guess your options are:

(1) ask the Student Union to negotiate on the basis that refusing to allow you to graduate in respect of a modest sum is disproportionate and agree to pay it back over a longer period

or

(2) check whether the "fine" was legally imposed. A University cannot impose a "fine" on anyone but it might have created a legal power to impose a charge for late payment. Worth thinking about.

or

(3) Come up with a plan to repay the sum over a period of time, i.e. when you know you have the money and graduate later in the year.

Good luck!

jonesMUFCforever

woollisox wrote: »

This is the day I have "woken up" so to speak. I understand that I was reckless with credit before university but I feel like university has taught me how to be more careful with my money. I do keep up with all of my repayments and I was successful with getting my first mobile contract in September and there has not been a single late/missed payment with it. This debt with the university has shook me a little and I'm finding it difficult to know where to go from here.

I'm also a female. I find it very interesting to know I type/talk like a man!

Do you really want me to tell you what I think - because you will get very upset!!!


In debt and last September you decided getting a mobile phone contract which eats up how much each month!!
How much of the £400 have you spent on that phone since then - add it up and see why I am seething after trying to help.

lordash

The university cannot legally withhold your degree if the debt is for accommodation (although many universities like to pretend otherwise). They can only refuse if the debt is directly linked to the degree, e.g. tuition fees.

Speak to your students union, they should be able to sort something out.

poggles

lordash wrote: »

The university cannot legally withhold your degree if the debt is for accommodation (although many universities like to pretend otherwise). They can only refuse if the debt is directly linked to the degree, e.g. tuition fees.

Speak to your students union, they should be able to sort something out.

Do you have a source for this assertion please?

All the universities I know with a similar policy say they they will not award a degree whilst "you are in debt to the University"

If the unpaid accomodation bill belongs to the University, then the OP is in debt to the University.

woollisox

I have spoken to them, but I keep getting fobbed off. "He's not in" "He's on his break" "He's taking a call", he must be the most overpaid man in Britain for how many breaks he takes!

scoobydoothedog

Just make an appointment or get in touch with the NUS.

Your University might have a student welfare officer who can help as well.

Hope you get it sorted out.

jonesMUFCforever

woollisox wrote: »

I have spoken to them, but I keep getting fobbed off. "He's not in" "He's on his break" "He's taking a call", he must be the most overpaid man in Britain for how many breaks he takes!

Noticed you did not reply to my post - is there a reason for that?

Satele

jonesMUFCforever wrote: »

Noticed you did not reply to my post - is there a reason for that?

Perhaps because you come across as insanely arrogant?

Protip: people hate being preached to, particularly when they've acknowledged that they've made a mistake and do not require further emphasis of their naivety imposed on them.

Also, your assertion, and potentially incorrect assumption, that the OP should not have agreed to an expensive mobile phone contract is ridiculous. At the end of the day, despite her debt, the OP may still need a phone. Many contracts are available much cheaper than PAYG/landlines in the present day.

I suggest you treat people in a more dignified way and your posts might not be ignored.

jonesMUFCforever

Satele wrote: »

Perhaps because you come across as insanely arrogant?

Protip: people hate being preached to, particularly when they've acknowledged that they've made a mistake and do not require further emphasis of their naivety imposed on them.

Also, your assertion, and potentially incorrect assumption, that the OP should not have agreed to an expensive mobile phone contract is ridiculous. At the end of the day, despite her debt, the OP may still need a phone. Many contracts are available much cheaper than PAYG/landlines in the present day.

I suggest you treat people in a more dignified way and your posts might not be ignored.

I wonder if you are in any way related or know the OP ?

iAMaLONDONER

Satele wrote: »

Perhaps because you come across as insanely arrogant?

Protip: people hate being preached to, particularly when they've acknowledged that they've made a mistake and do not require further emphasis of their naivety imposed on them.

Also, your assertion, and potentially incorrect assumption, that the OP should not have agreed to an expensive mobile phone contract is ridiculous. At the end of the day, despite her debt, the OP may still need a phone. Many contracts are available much cheaper than PAYG/landlines in the present day.

I suggest you treat people in a more dignified way and your posts might not be ignored.

To be fair it depends on the cost of the contract and upfront costs which could easily be over £400+ over the 9 months since September if it's a high end phone on a data heavy 4g contract