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    • GM1880
    • By GM1880 13th Nov 17, 3:54 PM
    • 151 Posts
    • 57 Thanks
    GM1880
    I've an odd one.

    I took out 5 Student Loans from 1997 to 2002, and had payments coming out of my salary from 2005 to 2009, then also learnt that they sold some to two companies called Capquest and NCO Europe and so I ended up paying them for my Student Loans as well. Now out of nowhere I've had a call from Link/Thesis saying I owe them £1300 for a Student Loan, then when I queried it saying I'd paid back about £11k which is approximately 5 student loans worth having gone back all my payslips and bank accounts, they then sent an email saying £2700 was owed.

    All very fishy. I cannot quite reconcile all the payments. Possibly I can speak to the SLC to ask which companies ended up being responsible for each of my loans, tot everything up to check if this is correct. But, either way, is this actually statute barred anyhow?

    Thanks
    • gavinl
    • By gavinl 13th Nov 17, 5:26 PM
    • 4 Posts
    • 1 Thanks
    gavinl
    please help
    Hey, i have alot of Knowledge of how the student loans procedure works. If anyone needs any help, i can advise as much general info.
    Obviously i cant divulge into specifics due to Data Protection and the fact that i'd get fired, but anything i can help with, just let me know.
    Originally posted by slcworker
    my girlfriend today has received a letter from student loans asking for £6951 after a reassessment of a grant in 2010/2011... I need to know why a have they reassessed. How are they able to go back that far out of the blue. if this was anything else isn't 5 years back a max?
    also nothing changed from when she was assessed. there is no justification with letter. Its not a small amount she is a single mum and struggles to keep everything going as it is.
    • Starrystarrynight1
    • By Starrystarrynight1 16th Nov 17, 1:13 PM
    • 201 Posts
    • 343 Thanks
    Starrystarrynight1
    Your girlfriend will need to ring her funding body to ask for details of why her application was reassessed and how the figure was arrived at. I guess, as it's government funding, they can go back as far as needed to ensure all funds have been correctly paid, but the only people who can answer her questions will be SFE/SFNI/SFW/SAAS, whichever is applicable.
    -------------------------------------------------------------------------------------------------
    I used to be Starrystarrynight on MSE, before a log in technical glitch!
    • PixPop
    • By PixPop 17th Nov 17, 7:31 PM
    • 3 Posts
    • 0 Thanks
    PixPop
    Hi there, I had to withdraw from my Masters after one month. I had a loan and had received the first payment. Will I have to pay that back straight away or will it be taken the same way my undergraduate loan is?
    • Ed-1
    • By Ed-1 17th Nov 17, 9:04 PM
    • 2,228 Posts
    • 1,186 Thanks
    Ed-1
    Hi there, I had to withdraw from my Masters after one month. I had a loan and had received the first payment. Will I have to pay that back straight away or will it be taken the same way my undergraduate loan is?
    Originally posted by PixPop
    You're entitled to 1/365ths of your maximum amount for every day between 1st September and the date your provider tells Student Finance you've withdrawn. This is repayable at 6% of earnings over £21,000. The rest will need to be paid back now.
    • Clalala
    • By Clalala 21st Nov 17, 9:19 PM
    • 2 Posts
    • 0 Thanks
    Clalala
    Hi
    Do you know if itís correct a student loan is treated as income by Housing benefits?
    • _shel
    • By _shel 22nd Nov 17, 5:46 AM
    • 1,179 Posts
    • 2,040 Thanks
    _shel
    Hi
    Do you know if itís correct a student loan is treated as income by Housing benefits?
    Originally posted by Clalala
    Yes itís counted as income, why shouldnít it be.
    • erato
    • By erato 22nd Nov 17, 9:56 AM
    • 1 Posts
    • 0 Thanks
    erato
    Hiya...

    I've got a bit of a strange situation. I live with my grandparents, who are retired, in London. They don't speak a whole lot of English. I am estranged from both parents.

    Just want be sure what the procedure is in my case when applying for student finance.
    • Voyager2002
    • By Voyager2002 22nd Nov 17, 1:43 PM
    • 12,142 Posts
    • 8,261 Thanks
    Voyager2002
    Hiya...

    I've got a bit of a strange situation. I live with my grandparents, who are retired, in London. They don't speak a whole lot of English. I am estranged from both parents.

    Just want be sure what the procedure is in my case when applying for student finance.
    Originally posted by erato
    Do you have documentary evidence that you are estranged? I suggest that you begin by establishing what you need to give Student Finance to confirm that you are estranged. If you are able to do this, you will be assessed as if your family had zero income and so will qualify for the maximum loan available.
    • southernbelle24
    • By southernbelle24 27th Nov 17, 8:41 PM
    • 1 Posts
    • 0 Thanks
    southernbelle24
    Hi. Hoping you may be able to help. Iím studying an OU degree full time as well as running a small (barely earning) business and single mum to 2 children. Currently I get the usual benefits for a working single mum including some help towards housing costs as well as carers allowance as my income is low and one of my children is disabled. Is there any funding available that wonít affect the benefits I get to help towards study materials etc?
    • DaveKinggston
    • By DaveKinggston 29th Nov 17, 1:27 PM
    • 3 Posts
    • 1 Thanks
    DaveKinggston
    Maybe do you know how I can try to get a student loan when I study abroad, in Spain.
    • rGriffiths
    • By rGriffiths 14th Dec 17, 1:16 PM
    • 1 Posts
    • 0 Thanks
    rGriffiths
    Hi please can you offer advice

    SLC have recently increased my loan repayment amount by approx £4000.00

    I contacted them and was told that due to an error on their part in 2000/01 i was credited with funds that should have been paid to another student with the same name in England (I was under Welsh scheme)

    I was not notified in any way of any such error, simply issued with a new statement accounting for funds SLC now state I owe them with interest recalculated for the period with no explanation for the massive increase to my outstanding balance

    This is an error on the part of SLC by their own admission

    I feel it is unfair and unjust to expect me to pay interest on a payment error made by them let alone pay almost £4000.00 beyond the amount I've been informed I owed and have been repaying in good faith.

    SLC have made it extremely difficult for me to gain information or even a full breakdown statement of the recalculation which surely by law I am entitled to receive

    Please can you advise me what my rights are legally in terms of challenging this with SLC and/or how best to go about gaining a full explanation and financial breakdown of the recalculation from SLC apart from sending a letter/email of complaint I'm left feeling powerless and frustrated and upset by a sudden increased debt of over £4000.00

    Any advice or assistance will be hugely appreciated

    Many thanks
    R Griffiths
    • agrinnall
    • By agrinnall 14th Dec 17, 4:15 PM
    • 20,321 Posts
    • 16,078 Thanks
    agrinnall
    I'm left feeling powerless and frustrated and upset by a sudden increased debt of over £4000.00
    Originally posted by rGriffiths
    Did you actually receive the extra £4000? If so presumably you spent it rather than becoming "powerless and frustrated and upset", so I'm not sure why being asked to repay it now (if indeed you ever get to the point of repaying the final £4000 of your loan) is so distressing.
    • Katapolt
    • By Katapolt 5th Jan 18, 4:54 PM
    • 216 Posts
    • 276 Thanks
    Katapolt
    Hi, I never went to uni and im now 26, thinking of doing a 6 month part time course that costs £1,000 at Oxford Brookes Uni. i want to do it as part of a masters that ill go onto eventually.
    the masters is 9 modules at £1,000 each, but as i will probably be doing it part time, is this something i can get a student loan for? i have no idea how any of it works or if id be eligible.
    • agrinnall
    • By agrinnall 5th Jan 18, 9:00 PM
    • 20,321 Posts
    • 16,078 Thanks
    agrinnall
    Hi, I never went to uni and im now 26, thinking of doing a 6 month part time course that costs £1,000 at Oxford Brookes Uni. i want to do it as part of a masters that ill go onto eventually.
    the masters is 9 modules at £1,000 each, but as i will probably be doing it part time, is this something i can get a student loan for? i have no idea how any of it works or if id be eligible.
    Originally posted by Katapolt
    While it's not impossible it's unlikely that you would be accepted on a postgraduate course without already having an undergraduate degree. If you have been told by the uni that they will accept you then you can probably take out a postgraduate loan (although I don't know if they would also require a certain level of previous education)

    https://www.gov.uk/postgraduate-loan
    • betweenarockandhardplace
    • By betweenarockandhardplace 8th Jan 18, 9:04 AM
    • 45 Posts
    • 8 Thanks
    betweenarockandhardplace
    hello,
    im due to start a computing course this month and i applied for student finance in December 2017, it has been approved and says payment sheduled, it also says first payment should of been made in september 17 and second payment in jan 18 but since im only starting the course in jan 18 will i get septembers and jan payment at once when i start my course?

    thanks for help
    • Savvy_Sue
    • By Savvy_Sue 8th Jan 18, 11:29 PM
    • 38,607 Posts
    • 35,333 Thanks
    Savvy_Sue
    I suspect it's a standard letter which hasn't been amended to suit your particular circumstances. I'd be very surprised if you get payment for September to January!
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    • bexlo
    • By bexlo 9th Jan 18, 12:59 AM
    • 1 Posts
    • 0 Thanks
    bexlo
    A right old mess...
    Hey, i have alot of Knowledge of how the student loans procedure works. If anyone needs any help, i can advise as much general info.
    Obviously i cant divulge into specifics due to Data Protection and the fact that i'd get fired, but anything i can help with, just let me know.
    Originally posted by slcworker

    Hi perhaps you can help me? I am on a Plan 1 type loan I believe taken out between 2003 and 2006 for my undergrad studies in England. I have been working full time since mid 2008 with a 9 month break for maternity in 2013 though I think very small repayment amounts were taken from my stat mat. pay even during this time. I misplaced my student loan details and called up to try and regain online access to monitor my repayments - this was between 12 and 18 months ago. I was given my CRN and the account was reset and I have intermittently checked the amount and had calculated that it will all be paid in the next tax year....


    I moved house several weeks ago and logged on today thinking 'I really must update my details so that correspondence comes through when they send it' - went to the relevant page...my name...different address and post code to what I was expecting (like other end of the country)...same DOB...different NI no. I check the correspondence and its NOT MY ACCOUNT at all but someone elses!


    I immediately call SLC and provide them with my details and the CRN that I was given...they can't explain it and have had to pass it up the chain, I will hear from them in 5 working days apparently and they would absolutely not give me any details of y actual account until they have 'confirmed my identity'... I feel like they tried to make it was my fault when its clearly their mistake and quite possibly a breach of data protection... Should I make a formal complaint? Are my payments definitely linked to my NI no. and therefore will be lodged against the correct debt?


    Help please!
    • OMR
    • By OMR 10th Jan 18, 6:34 PM
    • 29 Posts
    • 14 Thanks
    OMR
    Sale of flat count as income?
    Does anyone know if the sale of a flat would count as income, in relation to Student Loan Repayments?
    If anyone knows of an official response to this, I'd be grateful for the web page. I can't seem to find it anywhere.
    Thanks everyone.
    • IamGroot
    • By IamGroot 11th Jan 18, 9:38 PM
    • 1 Posts
    • 0 Thanks
    IamGroot
    Can someone help? SL statute barred, but they want to give me a refund
    My (pre-98) student loan was transferred from SLC to erudio student loans not sure when this happened. . . . after I deferred it each year whilst with SLC because I was earning under the threshold, i tried to defer with erudio but was given excuse after excuse such as they never received my deferment letter/no record of last call when i tried to get it sorted.

    It got to the point after 10 months they said my account was deferred and I made sure that I was sending deferment letters through to them each year.
    About 7 years ago i got a debt letter from an agency saying that my account was in arrears and I had to start repaying it back.
    They said I had to start paying as I couldn't defer now since my account was in arrears no matter what my circumstances were. . . .

    So I started paying and then after a year i lost my job so couldn't afford any more payments.
    I informed them and they said they would be in touch. . . . but they never did,

    Fast forward to today and I received a letter from Erudio Student Loans (first in many years) saying that my account in now Statute barred and that they want to refund me money & interest from payments I made after it became statute barred.

    Is this for real? Am i due this money?
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