Rosierose, If memory serves, my first laons was 94 and the last 3 were 96, 97 & 98 all taken out as soon as possible:rolleyes: I believe that the 98 loan is considered a continuation from the 96 application. However I believe I am double covered by the fact I took this out pre the date. However, you are right it is worth more reading. Anybody know if I was in the same institution doing the same course if the loans are considered an extension or not? Gooders

rosierose, Sorry, knew I would have missed something!!! ALL my loans are pre 1998 (september I think) and therefore subject to CCA:-) D'day 8 April 07!!!! 16 days to go Gooders

Right have been asked to start a new thread to outline what I am doing with this shower of incompetents! I apologise now for the size of this post but it will hopefully describe where I am and what I want to do. I took out 4 loans with SLC in total when I finished Uni applied to differ for the first few years. But I never heard anything from them EVER. In the following years I sent letters asking to differ but apparently they were "never received" so 2 years ish ago, I was in a comfortable position to pay some back. This coincided with my loan being sold from SLC to another company. So one happy morning, a phone call. Not sure how they got this info as noone I know can remember giving them my number. Call told me that I had arrears and that I would need to pay back more than the minimum until the arrears we covered. Well having never had any letters or even a single statement from them and felling extremely pressured I agreed and said I would pay £250 a month. They seemed very happy with the deal and went away. After a year I got another call threatening me because I had stopped paying. On the Standing Order I must have ticked the 1 year box.... well immediately started it going again. Again felt very pressured but new they would stop chasing. At this point I asked for a statement, because I had never received anything at my address they had for me. Well when it came I nearly broke down. They had added over £7000 in arrears and as I had never known what state the account was in I couldn't have done something previously. So that is when I started really looking into this....it surely can't be right that I have never received a statement???? So what have I done? 1) sent off SAR initially only thought of charges but the read more about the CCA rights. What were the chances that the reason I never got a statement or my parents weren't approached (as I had put them done as the contact info etc) because they had lost my agreement?????? I knew through other web pages and grumbles that SLC's admin was shocking so I added £1 and asked for a "true copy of the agreement" Sent this off to their address....it is a SELECTAPOST address (i think like a PO Box) by recorded delivery on 17 Feb 07....and nothing!!! So I kept looking at Royalmail site to see when it was delivered and not confident that it had been rang the good people at Honours. 1st girl I spoke to said their was nothing on the file and no letters had been received. I challenged this and spoke to a team manager. Again, same thing, nothing received. So I told her I would be sending it to her today. Off I went a posted a copy of the previous SAR & CCA request plus another £11 She called me back an hour later and said that they had received the letter on 20 Feb 07 ( countdown started) and that they would have the info to me in 40 days. I told her the CCA was 12 (we had a bit of oh no it isn't oh yes it is thing going on for a small time) and in the end she said that she would check with her legal dept and I would have the info in the required time. 2)8th March has been and gone, I have done nothing but count the days and keep paying them. Oh and laughed because they are in default. SO WHERE NOW? I am by no means an expert on this but this is how I am thinking of proceeding. 1) Hopefully get nothing in the post on 8 April - criminal offence letter and dispute debt & THEN stop paying. Then RECLAIM EVERYTHING I HAVE PAID TO THEM + INTEREST!!!! 2) If I get a letter with a true agreement that meets the requirements in the CCA then write tell them about their default on CCA and re-negotiate a payment plan......£1 a month sounds good to me!!! I am the one with the power now they defaulted! 3) If they have the required paperwork for a legal agreement with me I will have to research more into CCA's but I believe I may have an argument about their failure to supply me with a statement and not getting offers to differ. If this is the case then, I will fight for removal of arrears by what ever means necessary!!! It really astounds me that they can get away with such bad admin!!! And I am sure there are many other people in the same position. So for the cost of £11 I AM going to see what they got, claim any charges back, fight for my rights under the CCA and hopefully if they don't get something to me by 8 April......get it all back!!! Any ideas, thoughts and stories of your battles with SLC & Honours would be really welcome! Gooders

God you can't stop a man on a mission!!! Well not me at least. Phoned up LTSB statement unit yesterday as they had been late with my SAR's (only by a week or so) I was going to fire off an LBA for non compliance but thought.....I'll try a bit of charm! Well spoke to a lady who apologised for their "human error" and promised to get them to me in the post.....(arrived next day!!!) Then I decided to chance my arm. The letters I wrote we before I discovered CAG and were off the BBC, so unfortunately I had detailed a timeline for the statements (6 yers). Well I asked to speak to the team manager and had a wee chat about one SAR. Long story short and to give her her due she did try to fob me off but I blinded her with words like SAR, DPA, LBA etc and they have now sent all the records back to JUNE 99!!! So tomorrow a claim for 1 account is going in for £4120ish (with contractual 29.8%) Thank you very much LTSB. Basically you just doubled my claim!! Next step account 2 claim for £3000ish going in once next statements arrive!! Gooders Counting down to 8 April for Honours Student Loan CCA Criminal Offence:D

DP, Unfortunately loan paid off so just chasing what I can claim back and yes the agreement was requested as per CCA advice from here. Gooders

well guys & gals, Round 3 WON!!!! £1939ish + interest (contractual) and back dated to Nov 2002!!! All it cost was the £1 CCA request which they are refunding because....guess what.......they don't have the agreement!!!!!!! Couldn't believe it but there you go, no fuss, no nonsense just a offer 10 days after applying!!! Now on with the rest! Mods please add this to the Lloyds total! Gooders

5mins, quite obviously the spelling here is in doubt due to.......(make your own mind up readers!!) But the most important thing is YOU are in control, (im just starting to see this myself and god! I have the bit between my teeth now!!) just do it at your pace you are the one dictacting this action! Think about the Diirty mullah (slight scottish accent!)!!!! Gooders

Ian & All, just to let you know, LTSB have offered me full refund of £1939ish plus interest and will refund the £1 because they can't find the agreement!!!! please look at http://www.consumeractiongroup.co.uk/forum/lloyds-bank/65486-gooders-ltsb-others.html#post662028 for further details. Am I getting what I am owed???? Any help greatly appreciated! Gooders

hey all, well 2 updates in 1 day...... Got back in from work to hear the phone ring.....A lovely lady from LTSB Insurance..... All about the PPI on my loan in 2002, apparently loan was worth £2000 when I took it out and since I had made a CCA request (last weekish) they could not find the agreement and would therefore be providing me with the PPI claim minus the settlement for early completion of the loan!!! :) So £1939ish pounds refunded plus interest!!!! now going back to 2002 that has got to be worth a pretty penny! just not sure how they will work it out as no loan agreement.....what was the rate????? So the question is: 1) do I say thank you when I receive the letter and take their interest offer? 2) fight for the interest that was paid on my loan, or ask for 29.8% unauthorised borrowing??? (really not sure about this) 3) Say thankyou take their offer then ask for all my payments back because of unenforceable loan? (don't think I can do this because I settled the loan in Oct 2006) But if they can't find the loan agreement???? Think I will go down the route of syaing thanks and making sure I get a decent rate of interest as, I did owe the money and paid the premiums for 4+ years! Any idea how I work out the interest? if I put the money into Mindzai's spreadsheet at £1939ish and charge a compound rate of the loan agreement rate, is this fair???? Please help!!! Gooders

Tiglet, Firstly damn! they sent you something! They received my CCA request 20 Jan 07 and are as with you in default but since 8 March 07. I am now counting down the calander month required!! Roll on 8 April!!!! Right back to your question: As far as I am concerned application forms are not the agreements! The fact that 1 is unsigned is unbelievable!! I believe (AND PLEASE SOMEONE HELP IF THEY KNOW BETTER) that: a) They are not examples of the "TRUE AGREEMENT" which you requested therefore they HAVE NOT supplied you the info as in the request b) The one that is unsigned is "utterly utterly useless" (to quote some army jeezer) and proves nothing so again they are in default! What would I do .....(for what it is worth) 1) I would write to them stating the section of the CCA legislation on what counts as a 'true agreement' and show the reasons why the rubbish they have sent does not comply 2) Re-enforce your RIGHT to this information within the ORIGINAL timescale 3)Give them the date (12 working days + 1 cal month) that you must be in receipt of this information. 4) Keep paying them 5) Take the B@ggers for all they are worth!!! The best thread (sorry its a long one, but answers a few of your questions) is: http://www.consumeractiongroup.co.uk/forum/general/33174-consumer-credit-act-agreements.html Hope this helps and please let me know how you get on, as I am in the same boat. If interested here is my thread for the 1 or 2 irons I have in the fire!!! http://www.consumeractiongroup.co.uk/forum/lloyds-bank/65486-gooders-ltsb-others.html?highlight=gooders Hope any, all of this helps!! Gooders

Well, you photocopied the acceptance for before you sent it & you have proof of postage. I would write to the Sol and point this out. He would be made not to advise his client of the VERY doddgy position they are in!!! If it ever did get to court it would show the judge what a bunch of cowboys you have on your hands! Offer a settlement then take the offer back???? I know what I would think! Having said all that, if writing to the Sol doesn't work.....so you wait for them to settle before the court date, just think of the extra interest per day!!! spending even more of THEIR money is going to be sooo sweet! Hope it all works out for you! Hang on in there Gooders

just a small update, LTSB account 1: All statements in, calculations done and claim stands at the moment for £2750ish!!! Never realised! Anyway, this is also going for contractual interest just to pee them off! Letter going in as soon as new statements arrive. LTSB account 2: Well they had until 12 March, got some statements but not all. Will leave it till the end of the week to see if the snailmail catches up then LBA for all statements going in.8-) Now have done the calcs and think it will be worth £2300ish (with compound% and going back to Jan 2001.) LTSB LOAN Never got the option of NOT having the PPI with this loan (the box was already pre-ticked for me (wasn't that kind of them???) and have now put CCA request for original agreement on 14 March. If memory serves me right it was worth about £40 a month and started in Oct/Nov 02! 12 days and counting!!!! HALIFAX My god they are giving me a good ignoring to! Branch now considered completly usless at helping with this. Have written to Kelly Duffy at Halifax,Andy Hornby CEO HBOS and Benny Higgins CEO HBOS Retail. All letters received by 16 March so the 14 daysare ticking down......30 March deadline for them before LBA, FOS, BCSB, OFT etc etc etc AND NOW MY FAVOURITE!!!!! HONOURS STUDENT LOAN CCA request received 20 Feb. So 12 days were up on 8 March which means they are now in DEFAULT!!!! So its CRIMINAL OFFENSE time as of 8 Apr 07. I will pay this months payment and then........it all stops unless I get what I want!!!!! Can anyone confirm that for CCA's the initial period is 12 days (ie not working days)? READ MORE INFO AND CHANGED TIMESCALE FOR 12 WORKING DAYS! Many thanks Gooders

Guys/Gals, Am I wrong in thinking that this statement really doesnt matter as the OFT is not a legislative body? ie this will not become law if they say for example reclaiming charges should be capped at £XXX? I think I have seen this in other threads. Gooders

here's a thought, have you had anything from their lawyers? They are in a better position to chase their clients to make payment and not look stupid in court!! Either way, you have the power now as they have already said they would settle......cant see why they would not back up their offer but if they don't then hey just think about the interest you are still earning! The judge would laugh them out of the building! Just dont stop the process until you have the filthy luca!!

Claire, did you get a contact name/number for the person that called you giving you the full amount? If so call and ask whats happening. If not, dont drop the action, stick to your guns! If it goes to court it will just show the judge that they are not sticking to their own offers!!

Will, sorry mate, gotta be quick but will give more detail later. Basically, they haven't spoken/written to me for years. so I feel it very unfair that they have heaped the the charges on without providing me statements etc!!! And Im sure this is a responsibility that they must keep.!!!! Anyway good news is they are now in default of the CCA (i was hoping this would happen as I started with SLC and then got 'sold' to deal with Honours) so no tru copy of agreement, I am still paying until the cal month is up then if still no agreement then stop paying and claim back everything I have paid in!!!! so ionly about 20 days to go!!! If that doesn't work I will go after them for not informing me along the line and claim that their charges are unjust and against said agreement! Gooders

Just checked Royal mail and letters to: Kelly Duffy (Halifax Senior Customer Services Manager) Andy Hornby (CEO HBOS Plc) Benny Higgins (CEO Retail HBOS Plc) All received so........

Right, Got 2 letters back fro the lovely Lloyds ref my 2 LTSB accounts, both sent on the same day (21 Jan 07). My question is that they have written back and said they will send out statements in the next 10 days going back to when I set up the account or 21 September 2001 which ever is the nearest date..... Surely this goes against the DPA for 6 years of statements????? any ideas anyone? Gooders

Well then, its court action for DPA non-compliance, then you will have to wait for the statements. You can also complain to the OIC, FOS etc. Not sure what else to advise. I believe if you have some statements, you can calculate an average monthly charge then X6 but would not advise that route, best get it right 1st time!! Plus if you have to take them to court to comply to the DPA its just going to look better for you when you do have something to claim. Gooders

TJF, Ok, good you are online....... I would advise that you send this again ( even if you have done so before) http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html If you do not get a response then..... You will need to start court action to show you are serious: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6971-data-protection-act-non.html Again hope this helps! Gooders

And Above All Send Recorded Deliver & Keep To Time Lines!!!

TJF, Sorry just spotted What you MUST do is write a Subject Access Request under the Data Protection act found here http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html You will have to wait a max 40 days again but this will give you all your information as requested and will onlly cost £10 (you can claim this back!) Next, once you have the info, go through the statements and fill in the spreadsheet. You can find these on several different threads, I won't give you the link just now (may encourage you to read more and gain more knowledge by hearing about other peoples problems). Once you have worked out your charges then send a PRELIMINARY approach letter and give them the opportunity to refund the money without court action. (14 day deadline) you can find this here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/671-2-letter-preliminary-approach.html If they ignore this then you can send a Letter Before Action (LBA), this gives them a another 14 days to respond (normally with standard letters and bluffs). you can find that here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html Hopefully they will realise by this time that you are serious and might even give in.........but if they don't then you have to carry out your threat and take it to small claims court! DONT WORRY!!!!! I have yet to hear of any claims being completly defended (wish they would then when they loose the floodgates will open!!!). They always leave it to the last moment then settle! So in short , hang on in there, start the process again using the info and time lines I have given you and be patient, YOU WILL GET WHAT IS OWED TO YOU!!!! Feel free to contact me if you need anything else and hopefully you will also get some knowledgable chaps/chapesses to help you too!!! Gooders

TJF, I think, and am prepared to be corrected, that if you can basically file the claim. However, just to check: 1) the first letter you wrote, was that an SAR for statements? (just wondering as you would not have had to wait the 40 days if you already had the numbers, if you had the charge details the a 14 day timeline whave been better than 40 days!). You called it a preliminary letter, I think this would be better (so as not to confuse people like me) if you confirmed if it was a preliminary letter (already had the charges info) or the SAR (request for charges info and requiring 40 days compliance). 2) . Was this a Letter Before Action (LBA)? If so and you have not heard anythin you can file (again someone please correct me if I am wrong). However, to do this you really must include the value of charges you are claiming. MY ADVICE(FWIW) Go back and read the threads and the FAQs!!!!! Check that they have received your letters and you sent them to the correct address for the org you are claiming against (please tell me you sent them recorded delivery:confused: ) If you have not followed the process advised by this sight........START AGAIN following the timelines and terminology advised so that everyone here can see where you have got to and how to best help you. I know it will seem a pain that they are ignoring you and indeed some changes to the standard letters may be required with different situations. However, mistakes can cost you money!!!! So please be careful!!! AND ABOVE ALL FOLLOW THE ADVISED PROCESS Good news is that you can start again from stage 1. Hope this helps:rolleyes: Gooders

well, not much news except I have decided to write to a couple of individuals in HBOS in the vain hope that the more senior bods can get something done. Letter worded similar to the rant above but copied to the CEOs in Edinburgh. If no joy after 14 days its LBA time then off to FOS, Banking Code Standards Board, media (if they are interested)..... oh yeah and court! wish me luck! Gooders

Ian, Thanks for the info. I will make a move on it asap. Not going to risk 3-4K!!!