Yes I see your point, but I did have contact with slc between 1997 and 2004. Several phone calls and yearly deferments and in fact they took me to court in early 2002 regarding the debt (which i attended). What i am saying is that the only period I KNOW I did not have contact with them was from 2004 (when i last deferred the loan) to present. So this is the only period that it has been 6 years since I have not made payment, contacted them or acknowledged the debt. This is why the alleged payment in April 2006 of £10 is so concerning. As i said in my original post, i know for 100% sure i did not have a bank account between 2001 and November 2006 so i could not have made the payment in my name. My wages from work during this time went into my girlfriends natwest account (i was not a joint account holder).

Yes but the last time i acknowledged the debt was in 2004 when i deferred the student loan. I have a copy of this deferment, so to my understanding it resets again to 6 years from the last time you acknowledged it.

Yes, I have sent them a standard letter, very similar to what Batman1956 posted. I will send the same letter to the student loans company then ! Thanks a lot for the advice once again!

I'm not sure whether one of these dsar requests is worth it. What i really want to know (and what the debt collection agencies case hangs on) is this alleged £10 made in April 2006, how was the payment made? What method was used? (credit card, debit card, postal order etc) What persons name was the payment made in? Last thing i want to receive back from SLC is a load of statements, which i already have. A £10 entry on a piece of paper does not constitute evidence that i made the payment!

Thanks for the info, What is a DSAR and how do i obtain one?

Haha, no worries. I often forget we are in 2011 now So you think i should just leave it then or ask them for the proof of the payment, rather than it just being a figure on a statement?

Sorry, im not sure what you mean about 3 months till it's statute barred? My last acknowledgement was on the 10.4.2004, 6 years after that would be 10.4.2010 right? so the 6 years has already passed.

Hi All, I hope someone can help me or maybe someone has gone through this situation before? In December 2010 I received a letter from a debt agency called Link Financial Outsourcing saying that they had accquired my student loans debt from the student loans company and require the repayment of about £3,500 pounds. I took out 2 student loans in the years 1995 and 1997 totalling about £1600 each. In 1997 I only made 2 repayments as i was working, of about £55 each. I then deferred the loan and continued to do so as my income was less than the £15,000 annual income required to pay back the loan. The last time I deferred the loan was on the 10.4.2004 (a copy of this deferment form was included in the letter) Since that I have had no contact with them, not acknowledged the debt or made any repayments. I checked on a debt website that stated if you took out a student loan pre 1998 (which they both were) that after 6 years of no payments or acknowledgement the debt becomes statute barred and is non enforceable. I filled in a standard template that was on the website to confirm that I had made no payments or acknowledged the alleged debt and sent this off by recorded delivery to Link. Today I received a letter from Link stating that I made a payment of £10 in April 2006 and 'as this payment was within the 6 years required to statute bar the debt, this debt is not statute barred' and that i am still liable for the amount. They included a list of payments from the students loan company with the letter. The only payments I ever know I payed were the 2 payments of £55 back in 1997 as i mentioned earlier. In fact from 2001 to November 2006 i didnt even have a bank account nor credit/debit card/cash card so how on earth they think this payment was made I dont know. I would really question that I ever made this £10 repayment in April 2006 as they suggest. In fact, I checked my online statements with my bank, Lloyds TSB and the first transaction was made in November 2006, therefore this alleged £10 payment was not made from my bank account. Can anyone advise what i should do next?