Boyfriend in a mess with Student Loans

Pixie5740

I fail to see what is slimy about going for a CCJ against someone who failed to repay what they have borrowed. SLC are no different to any other lender in that sense.

Perhaps the moral of the stories is to ensure that whilst you owe SLC money you ensure they have the correct address to contact you.

clayton16749

To be fair, SLC are slimy - and Erudio are even slimier!


OP - has he opened these letters now? If not don't hesitate opening them all yourself. This effects you as well as him and he needs to pull his finger out, face his issues and tackle them for both your sakes.


Good luck

CLAPTON

daytona0 wrote: »

If it helps but I dropped out of uni about 8 years ago halfway through a term and the SLC rather forcefully asked me for me to repay a portion of the loans which I was not entitled to due to dropping out. The letters went to my old uni address and I either got served a CCJ or got a letter threatening it - thankfully I went back to pick up the mail and so was aware of the letters in time to pay it off in full (within a week of receiving the letter).

In conclusion: Get him to open those letters IMMEDIATELY because, in my experience, SLC are slimy little gets who will pursue you relentlessly and do not care about your credit rating in the slightest*. Either just pay it off or make an offer for repayment plans.

You also want to tackle the root cause of the financial problems. Why did he take money out from wonga/overdraft? A 2011 SLC finance issue is probably going to be similar to mine, and just something which people will easily overlook - and certainly not linked to wonga/overdraft loans. If your Oh is taking out money to buy food/presents etc then it isn't the end of the world, just try and be supportive of him as he is probably not skilled in money managed. But if he has a drug/alcohol/gambling problem then you have something bad on your hands....



*although some people may argue that such action is a good thing. I agree to an extent, but in my experience they just didn't care one bit. It's not like a CCJ would have made me pay them any quicker!!

you didn't get a CCJ : you know little about this subject

daytona0

CLAPTON wrote: »

you didn't get a CCJ : you know little about this subject

I like how you are adamant about my own personal experiences despite the fact that my own memory of the situation 8 years ago is foggy!

Were you my roommate at the time and did I show you the letter?

CLAPTON

daytona0 wrote: »

I like how you are adamant about my own personal experiences despite the fact that my own memory of the situation 8 years ago is foggy!

Were you my roommate at the time and did I show you the letter?

post up the letter


show us your credit reports


stop making stuff up

daytona0

Pixie5740 wrote: »

I fail to see what is slimy about going for a CCJ against someone who failed to repay what they have borrowed. SLC are no different to any other lender in that sense.

Perhaps the moral of the stories is to ensure that whilst you owe SLC money you ensure they have the correct address to contact you.

Well it wasn't borrowing in my case - it was part of a grant (Or it could have been the loan part, or even the small bursary part! No idea, but it was only 1x semester's worth of money). They said that because I dropped out midway through a semester that I wasn't entitled to it all. Fair enough, not going to argue with that. It is just not something that would be immediately obvious to an 18 year old at the time. We all make mistakes Hopefully my post is informative to OP in some way.

They had my home address (part of the registration for the grant) and my term time address, which were 200 miles apart (and naturally I moved back home). They sent all correspondence to the university address.

At the end of the day I shared my story purely to try and assist OP in getting the issue sorted. I don't need financial advice, but alas my 18 year old self probably did :rotfl: Ah well, all good fun for the most part.

In terms of being slimy:

1. Didn't contact my home address.

2. Went the CCJ route over about £400-£600 against an 18 year old. The sad thing is that I had the money to pay!


EDIT: In terms of point 2 above, this is why I urge OP to consider getting this sorted ASAP as it would be devastating for her (it would seem) if SLC go for a CCJ against her boyfriend like they did with me! Time is of the essence here.

daytona0

CLAPTON wrote: »

post up the letter


show us your credit reports


stop making stuff up

1. Impossible, as it has LONG GONE.

2. My credit reports show no CCJs. It probably disappears after 6 years anyway...

3. What's your problem?! I'm just sharing something which MAY help OP.... If you really are being that silly then check my post history and you'll find a thread I previously started regarding my "Phantom CCJ" issue, but I seem to have missed your post with constructive advice about my predicament..... You weirdo.

DCFC79

OP

Tell your bf to get it sorted, bailiffs can't take your stuff eg a car that's in your name.

DandelionPatrol

chesky wrote: »

The bailiffs may not have left contact information but if the letters are opened, then there will be details in them about how to get in touch, if not with the bailiffs, then at least with SLC. If he won't open them, then you should - at least then you'll know the score.

If you're not willing or able to manage the finances as a couple, then you should really consider whether he's the person for you, otherwise you may grow increasingly resentful of his behaviour.

Gemmz, I agree with the thrust of most of this, in particular considering whether his financial behaviour is right for you. But I disagree with this bit:

chesky wrote: »

If he won't open them, then you should - at least then you'll know the score.

If he won't open them, then he will probably bring a lifetime of financial stress on you. IMO, you should strongly suggest that he opens them and deals with it and use this as a benchmark as to his likely on going attitude. If you open them for him, you are opening yourself to a lifetime of facing his financial issues for him. If he does open them and deal with them himself, then you will see that things are looking much better.

Oh, yes, don't take out a loan to get him out of the mess, that rarely ends well. And don't link yourself to him financially through shared accounts etc.

Pixie5740

daytona0 wrote: »

In terms of being slimy:

1. Didn't contact my home address.

2. Went the CCJ route over about £400-£600 against an 18 year old. The sad thing is that I had the money to pay!

SLC contact the address you give as your erm well contact address. You can choose that to be either your home address or your term time address.

At 18 years old you are an adult and able to obtain credit. Any lender an 18 year old owes money to can go to court to get a CCJ awarded against them, age doesn't come into it.