I wrote to the SLC about the irregularities in November 2009, following a letter from them. It would have been 6 years since the last communication in February 2010, hence why I thought it was un-statute barred.

Thanks for that - Yes, I am sure, there's been a good bit of correspondance and I'd like to get rid of this final amount. I did think it was statute barred but as I wrote to them about irregularities on th account around this time last year it's not, as I understand it. It's actually a UK CC I'd be using so the currency aspect isn't relevant, report them to who? I think I can just pay the SLC still anyway and from memory they just take what is owed.

Hi, Newman debt collection agency have written to me about my student loan, which I am in a position to pay off, however as I live abroad and no longer have a UK account I aim to pay this with my CC (it's not that much). Newman state on the back of the letter there will be a charge using a CC, my question is can they apply a charge for using a CC or can I just tell them I'll pay the amount owed and no more. Thanks.

In 2004? Also, does anyone know if the letter would have got to Link via the SLC?

Everything in 2004 was done over the phone, but I did pay them, so if it wasn't statute barred at that point that's surely an acknowledgment?

No, I never confirmed it in writing in 2004, it was all done over the phone with Wescott. I wasn't partuclar enough with what I asked back then, I thought what I was paying was actually the end of the lot. Basically I think my naivety in sending the letter last year may be my undoing here - as I said I'm not sure if Link had a copy of the letter or not, but from what I gather it's irrelvant as the letter exists in record in SLC and would therfore reset the SB? I did get a very eloquent reply from the SLC a couple of months later outlining what was done at the time. If I do decide to pay, and write to them saying I will pay £xx if you send me the confirmation of the previous payment, and they don't respond but keep chasing me, then what?

Thanks, that's it, was having trouble editing it once I posted it!

yes, I'll post it up in a second

I've attached what they sent me yesterday...I'm thinking I may pay them as I'm so concerned, but I don't really want to do that until they send the written confirmation that I've asked for about the money I paid to them last year, which I've asked for about 5-6 times now in various formats. Another thing I don't get is why they seem so reluctant to send confirmation of that transaction? Doc1.doc

Yes, but as I understand it I paid SLC in Feb 2004 with what I thought was the end of it. At that point, the counter on the remainder that the SLC didn't pay starts again. So I guess writing to the SLC in the period between Feb 2004-Feb 2010 is acknowledgement of the debt and therefore the time counter is reset?

How does Statute Barred work, who does it? From reading quite extensively on here today I would now think it is not able to be considered Statute Barred as I wrote to the SLC about it within the last 6 years (as mentioned in my first post). Link don't seem to know this, but I guess the record is there somewhere?

Ok, Thanks for that. I emailed them scanned proof of the delivery as they requested this, from both Royal Mail and local post websites. The agent on the phone knew that I had a telephone conversation with the SLC in October though, even though the SLC passed my loan to Thesis in 2008 and now state they have nothing to do with this account - they must be sharing information though?

My biggest concern is that someone will turn up at the house in the meantime, ie. between all the time it takes for the letters - the letter I got today is dated 29th March! How quickly can this happen, someone turning up? It's a month since I sent my last letter (registered), no acknowledgment as they're saying they never got it. I'm pretty worried now. I'm not sure about the letter to hand someone if they call to the door as I don't live in the UK so that segment of law probably doesn't apply.

They phoned me back, and I asked if I could start recording the call - the agent said she wouldn't agree and was ending the conversation. They are so difficult to deal with it's unbelievable. She did claim that speaking to people about the account means it can't be statute barred, and then that it was 7 years before you could claim it as well. To be clear from what I've read - speaking to someone or receiving a letter (but not replying to in writing) still means you can claim SB, it's only if you respond in writing it resets the time limit? They have totally denied receipt of the previous letter, one of the few things I managed to get out of them. I'm not sure how they can say this or where I stand with it? Can I complain about their behaviour to someone, this is ridiculous.

Got a letter from Link this morning, an Advice of DEBT COLLECTION, basically that they have been instructed by Link to collect it and someone will be calling. They haven't actually replied to the letter I sent. What to do now? I phoned them,and they have denied receiving my previous letter - it got quite heated on the phone as when I said this loan is SB, the agent said it wasn't as the SLC had sent me a settlment figure in August 2009, so I'm not sure now. I don't want debt collectors at the house.