The CCJ is dated from Oct 2012 - so there is a clear 6 years even from the later date of 2003 when I stopped making loan repayments. I'm assuming the next plan of action would be to complete Form N244 and apply to the court to have the judgment set aside with a Limitation Act defence Many thanks for all your replies - very supportive Forum.

The Firm trying to recover the debt is Drydens Solicitors. My research suggests that I'm going to have to try and get the CCJ set aside first on the grounds that the debt is statute barred. I need to work out the start of the limitation period, the national debt line website states that "The cause of action (when the limitation period starts running) for old–style student loans, is usually when the loan became due for repayment in the April following the conclusion of your course". So that means September 1999.

Hello Everyone. This is my first post and was prompted by researching the current issue that I have. I know that there is a whole host of information regarding Student Loans, but just wanted to post my cold hard facts and see what people thought. The Facts I started University in October 1995 and finished in 1998. I took out a Student loan during this period. I started work in September 1999 and as was over the income threshold, I started making re-payments. I continued working and making repayments until 2003 In 2003 I set up my own company and immediately dropped under the income threshold. I am pretty sure that I applied to the SLC (Student Loan Comany) for deferment at this point (will need to check my records - but may prove difficult due to the passage of time). SLC were aware of my contact details up until 2004 when I moved overseas. I did not feel any obligation to notify them as I had not gone over the income threshold. I have not contacted them or made any further payments since 2003. To this day I have remained overseas and have also remained under the income threshold (now a house hubbie), however the following has happened with the SLC - they passed the debt over to a DCA - I assume a lot of correspondence has been sent to my old address in the UK (which has been let out since 2004) chasing the debt - The DCA applied to the court in October of last year and obtained judgement against me (CCJ), I was totally unaware that a claim had been filed - They must have checked the land register and worked out that I own the property as in December they applied for and were granted an Interim Charging Order I would appreciate some advice on my next step. I'm hoping that the debt is now statute barred as I've not had any contact with the SLC for approximately 8 years. The Interim Charging Order and the CCJ only came to light when the last tenant moved out and I was preparing the flat for sale. Not sure how to deal with the CCJ and the interim charging order at this stage - would obvioulsy like to have them removed if this is possible. Many thanks for taking the time to read through my first post.