Student loans and pensions

sourcrates

Mrs_Ryan wrote: »

Two letters from Payday Express and PDUK, demanding two cheques, for £10 each, a copy of my driving licence and a utility bill! I have sent them a slightly snarky email saying I have none of these things and why I don't have them and repeating my request under section 77b of the CCA 1974 and asking them why they think they don't have to comply with it

Probably because there "compliance dept" is made up of spotty 16 year olds, who don't know the difference between a sec 77-79 request for information, and a subject access request.


Did you see the program on telly recently about Uncle Buck ?


If you did, you will know what I mean.

Delete33

Hi all, I think that PDUK/PDE know full well what mrs ryan is asking for, this is just another tactic to make you go away.

sourcrates

Of course, if you made a CCA request, they would only have to comply if there was an outstanding balance remaining on the account.


What exactly did you ask for originally ?

joncow75

Delete33 wrote: »

Hi joncow75, have you checked your credit file to see if WDA did any credit searches?

I don't see anything on Experian, but they do only go back 2 years. I still have a loan with WDA that they froze the interest on at the end of last year, this out of the goodness of their own hearts - I never asked for it. However I had to complain in December as the letters demanding payment and phone calls to my work started, even though I wasn't due a payment, nor had I asked to freeze interest, that was their offer. I got a £25 apology put against my account. Currently owe £225

Delete33

Just go for it then joncow75, they seem to have helped you in the past, they may write the debt off or reduce it even more. Worth a try!!!:cool:

Delete33

Hi Folks, another success on DebtCamel. A poster has had a redress from SUNNY, £900 plus £200 debt written off.

Sillygal

Hi all,

Does anyone have a link to a template to this?

I want to try my luck with quickquid :beer::beer:

joncow75

Delete33 wrote: »

Just go for it then joncow75, they seem to have helped you in the past, they may write the debt off or reduce it even more. Worth a try!!!:cool:

My complaint went in a couple of weeks ago Delete33. I'm tempted to drop them a message to say what i'd settle for - which is considerably more than the £225 that's outstanding on the account. Especially now that I've seen a result with the FOS. My total interest paid is over £7k, but like I say, i'd happily settle for anything after my payment plan which would be around £5k plus 8%. They do seem to come back slightly quicker than the 8 weeks which is good. Shame my main complaint is with QQ and I know i'm waiting till the end of March for that one. Although i'm more than happy to sit out that, as I paid interest of well over 5 figures.

Delete33

Hi sillygal, Go to DebtCamel website, all the information and Template letter ideas are on there. Start with a E-Mail requesting your Statement of Accounts.:cool:

Delete33

Hopefully you will claw a lot of the interest and charges back joncow75.:)