SLC - Long Term Illness - Options

BobLobb

My situation is complicated.

I have loans from between 1992 and 1998, with arrears.

Initially i deffered as i could; then i got into financial hardship (2003)
My IVA was not able to go through as SLC and Barclays would not except the initial terms. (2004)

I have paid off all my other debts (2003 to 2007), but the SLC continued to add the arrears, as i made nominal payments to cover the interest and sometimes a bit more.

I suffered from an undiagnosed mental health problem from 1990 onwards - medical records show numerous breakdowns and now as the issue has been recognised since 2005 counselling and medication.

However it is recognised that this illness caused issues in my personal life resulting in a) loss of jobs b) extended time to get my degree c) inability to manage personal finances et al over time

Despite being ill, i work and thus while i am able to gain counselling and treatment i am not registered disabled.

Thus i am not able to have my loan cancelled, which is fair enough.

However i am being told that i am also in "the opinion of the SLC' not allowed to obtain other relief based on evidence? I believe this would be under section 9 of the SLC Education Act.

Advise appreciatted, as i currenty don't see any assistance coming from the SLC with providing relief and see court as the only option, where the judge will see the medical evidence from 1992 to 2003 which shows the ongoing issues.

I believe the SLC is not acting fairly....