I had student loans from a similar period, they have been sold to Link Financial (see my thread). Link wrote to me a year before they became statute barred, then wrote five or six times more in the hope that I would contact them. I have not contacted them, and they last wrote to me in May last year. The debt buyers know the debt is unenforceable and give up chasing when they realise that the person they are chasing knows this.

Have received a letter yesterday advising that my account is now going to be administered by Link outsourcing.

Are they likely to take legal action prior to it becoming statute barred?

Also if i send a CCA request, do the have to provide a copy of the original credit agreement (mid 1990's)?

Have you reported this to the FCA, as if enough complaints are made, the DCA could lose their licence. Either for fraud, or for having inadequate administration procedures.

I am starting a course in the next two weeks. There is a bursary, which will be £500 for the first three months, £1000 for the next three months, with a bonus of £1000 when I complete the course.Will my housing benefit claim be worked out each month, or will they average out the income i receive over the six months and calculate accordingly?

I will find out shortly anyway as I am starting a paid course within the next two weeks.

I am aware that they are not bailiffs, and are not going to arrange a home visit.

Debt collectors do not want to spend money. (They are a bit like The Young Ones when they go to the laundrette, insert two times 50p).

My point is that the company that did the trace probably found out that I am not working at the moment,

therefore it is not going to be worthwhile taking legal action.

My question remains,

how do the trace companies find out if someone is in employment?

If they find out that I am working, I believe that court papers may be sent to me.

Have received letter stating considering arranging home visit six weeks ago, then nothing since.

Could it be that they know that I am not working,

and are therefore not going to spend money on court?

Would they be able to find out if I do get a job?

Received "final" letter yesterday which I believe is misleading. They state that it is in my best interests to cooperate with them, which is untrue. Now I will find out whether they have the stomach for court action.

I might as well send the CCA request, (£1 to possibly save £7k).

A CCJ would not be too damaging to me as my credit score is really poor anyway.

If a CCJ was issued,

how likely would it be that the creditor would make me an offer,

seeing that I am not working currently,

and will not be working in the foreseeable future?

Received letter today advising that if i do not contact them within the next 10 days, they reserve the right to take legal action without warning. They mention the usual about legal costs, but also mention statutory interest. Is it worth sending a CCA request as the first loan is nearly 20 years old?

I only spend about three hours a week on my job search, two of them at the work programme offices. In that time I apply for approximately 40 jobs. I am spending the rest of my time getting ready for self employment.

They are not threatening court action, but I have only had the standard phone us urgently letter. I think I will just leave it at the moment until I get anything else from them.

The letter that I received is from Honours Student Loans (correspondence address in Rotherham).

I do not want to poke the hornets nest, as I have a few credit card debts from the same period which will become statute barred within the next few weeks.

As the loan was regulated by the consumer credit act,

does this mean that if they obtain a CCJ, they will not be able to add any interest?

I think I did get a letter from them regarding successful deferral, but cannot remember. Would I need to send a SAR to fin out?

Before 2009 I just deferred each year because I was not earning enough. I moved house in mid 2009 as I could not afford the rent, and was sofa surfing for three years. This is the first letter that I have received from Student loans company, which is surprising considering I have been at my present address for over two years, and have been on the electoral roll for the past three years at various addresses. I was not sure if the six years runs from the last time that I deferred, or from when the account would have been defaulted, which would have been in early 2010.

I have been contacted by the Student loans company regarding three years of loans taken from the mid nineties.

My last correspondence with them was the deferral from early 2009.

Are they now statute barred, if not what is my best course of action?

Job is 20 hours a week.

I have got a new part time job, induction was today, and I am being paid for it. I will be on an hourly rate when I start working, but do not know when this will be. Do I sign off now, or when I actually know when I start working my first shift?

This week I have started a city and gilds customer service course, which is a complete waste of time. Two of the people there are clearly too ill to attend, and would not be employed if they were well, another does not have sufficient English to do anything constructive. Most of the rest are unemployable, and so far I have learnt nothing.

There is an entitlement without obligations culture in this country, what needs to happen is that people are made significantly better off by working than not. At the moment, I am looking for work, but if i work full time at minimum wage, I will only be about £50 a week better off (less any transport costs). I would take this if offered it, but a lot of people would rather just not bother. An increase in the minimum wage would not significantly make me better off by working, as most of any increase that I would receive would have to go to housing costs.

People would be able to support themselves if the last Labour government hadn't stolen money from pensions.

Having considered further, just have a cap of say £16k, then if people cannot afford to live in London, they can move. If more people moved away from London, this would ease the pressure on schools and hospitals etc.

Sorry I missed the benefits cap bit at the bottom. I would want benefits capped at say £20k in London and the southeast, and say £16k elsewhere.

Limiting child benefit to the first two children is the only idea that I support, and I am a Conservative voter.

My provider is Avanta I had my induction today, my adviser is on annual leave at the moment, so no meetings for a week or so. I am not worried about travel costs, as i live within walking distance of their office. I also don't mind applying for jobs that I am not qualified for, as I am hoping to become self employed within the next three months or so.