Student Loan Company refused overpayment return

LS2000

Hi there, 

I had a student loan in 2001 - receiving the first payment of £2,000 in September before quitting University just before the next term started and the second £2,000 payment was made. 

I contacted SLC to inform them I had left university and to ask how to repay the second payment which I wasn’t entitled to. I was told that I couldn’t but not to worry as it was the cheapest loan I would ever get. 

I have ADHD and have struggled all of my adult life to stay in employment so I have rarely earned enough to make repayments- now at the age of 44 I owe SLC around £5,700 which is costing me £50/month. 

I believe I was mis-sold this loan as I had tried to return the overpayment, I also believe this wasn’t responsible lending to a 20 year old who didn’t understand the implications or know any better than I was told by SLC at the time. We didn’t have online accounts to make extra payments back then so without directions from them I couldn’t pay it back. 

I have contacted SLC to ask for a complete statement history of what was paid and when, does anyone know if I have a case to request a refund of the interest on the second payment and/or cancellation of the overpayment completely?

I haven’t been able to find anything online except that if you’re overpaid you have to pay that back immediately and it isn’t added to your overall loan. 

Thanks in advance. 

Hoenir

Do you have documetary evidence to support the events of 20 years ago?