Hi, this is my first post on here. I have 5 student loans taken out 1994-99. I have never earned enough to make repayments and deferred each year (usually with lots of hassle and documents being lost by SLC etc). Then I had to start dealing with Thesis Servicing. In 2010 (I think) I made a decision to voluntarily make repayments on my loan, phoned Thesis and set it up - or so I thought. 9 months or so later, I got a letter followed by a phonecall to say I was in arrears and had to pay. I contacted them and disputed it and was told they had taken down the wrong bank account details but they would only wipe 3 months of arrears. I argued with them as it was a voluntary payment and I still wasn't earning the threshold. I took to ignoring their calls and letters or on the odd occasion when I did speak to them, I reiterated that it was their cock up that had caused the arrears and I would not be held accountable. I have not received a deferment letter from them since I first arranged to make a payment. Last week I received a letter from them stating that I had defaulted on my loan. Today I received a letter from Link Financial demanding full repayment of £7,413.20. Where do I go from here? I'm adamant I should not be liable for this debt until I am financially in a position to repay it. Thanks in advance for any help Jo