Thanks for your reply.
Yes, the loans are the old style (i.e earnings have to be over £25k in order to repay) and I have always deferred on time except on this occasion.
The only thing that I had a concern about was that I did not tell them that I had moved,
I have always had the forms sent to my mothers so that I knew I would always recieve them regardless of moving address every year or so.
I have since read that you have to tell SLC your new address each time you move or they can cancel the agreement
but as I have now successfully deferred for another year and SLC now send all correspondance to my permanent address I believe this to be incorrect.
I`m not looking to avoid paying them back, just that I have never earned enough to do so.
I`m a couple of years off being 50 and doubtful that I am going to get a significant payrise before then so they will expire then in any case.
I will ignore the letters/calls, thanks again.
Feel a bit relieved as I do not want to deal with DCAs ever again.