Hi As the subject suggests, can anyone please tell me what is the time frame in which to start (or complete if required) a case to reclaim mortgage fees etc from acenden? thanks

Hi there. My car payment was missed twice. This is down to a change in bank accounts and carelessness on my part. 4 days after the second payment was missed, a guy from Ceatta Ltd attended my house and attempted to collect car, which was not at the property at the time as my Mrs was out in it. I rang Motonovo and tried to pay the arrears of £850 but they have refused and claimed that the finance agreement has been terminated. I have received no notice of this whatsoever, and the only letters I have received are "notice of default sums". I am aware that those are neither here nor there with regards to the law and are made to look like default notices. The day after the repo guy turned up, a letter came through which was "notice of sum of arrears". This letter states that I should ring them immediately to arrange to bring my payments up to date. However, they won't accept anything but the car! If they take the car, I can't work. I will also owe them around 12 grand as the amount owed is 22k and I can't imagine them getting more than around 10k for the car at auction. My question is can this be done?? We received no notice of termination at all and they are outright refusing to accept payment unless it's the full amount which is around 22k. I have lodged a complaint with ombudsman which could take weeks. I understand that the repo guy isn't a bailiff and has no power to take from private property but motonovo are saying that if we don't allow them to take the car, they will report it stolen. This will greatly affect mine and my wife's job if it goes to police. Can this even be done seeing as it's our name on the log book? This is a hire purchase agreement not a loan. help!

Hi, My landlord is wanting to send estate agents round to value the property because he wants to put it on the market. He has not yet served me with a Section 21 notice so I have no idea when he is expecting me to vacate but I would have thought a valuation would be more realistic once the house is empty and after he can do some redecorating, etc to get it ready for selling. At the moment, we have been too stressed over searching for a new home and we have been having a mad declutter and we have half packed boxes everywhere and the housework has become less of a priority, so all in all, the house no longer looks homely and I certainly wouldn't want any estate agents taking photos to use for selling purposes. Does my landlord have a right to getting a valuation, especially before he has issued a Section 21? I feel so uncomfortable about it and I really don't want anyone coming round while I still live here I have been looking through other tenants posts and came across this comment from one of CAGs members:- "Are you aware of this >> For example, a Section 21 notice cannot be served if there is no EPC or Landlord gas safety certificate in place for the property. Any non-compliance with this requirement will render the section 21 notice ineffective." Now my landlord has never done annual gas checks and the last one (for which I have a copy of the certificate) was about 2 years ago. Does the above CAG members comment mean that when I receive the Section 21 Notice it will not be legally enforceable? If so, what should I do and how do I respond to my landlord when I get the notice?

Hi all bit of advice please sorry if am posting in wrong place. Can I still reclaim mortgage arrears charges from Kensington? It's from a closed account from 2007 Thanks

Hi, Just wanted some advice please my son has Rent arrears form 2012/2013 when he was in a hostel for 3 weeks the debt is 580 pounds we have only just recently found out about the debt he has been put on the housing register as he is homeless but he's been suspended from bidding. we have asked how much to pay to be released from the suspension & 3 people have said different things we have said if we pay all off will he be able to bid they said its down to the housing managers to say whether he can bid. one person said 10 weeks someone else said 10 months. my thing is they have had 3 years to find him and they said they don't have the resources to look for him. I don't want to pay all off in one go and they come up with something else for why he cant bid! they say they want to see he pays his bills! can anyone help and let me know what the normal practice is with arrears just want some one to be straight he's been given 30 points for medical & social now he's homeless not because of his doing and he's priority due to mental health so waiting for those points and that process. If anyone can let me know the process would be much appreciated. Thanks

Hi everyone, I've searched the forum and can't find anywhere else to put this thread so here it is. My friend moved into a new council property in July last year. Before moving in and sorting out her Housing Benefit she had to take in proof of income, which she did. Everything was fine and they gave her the keys. She received a letter from her landlord today (the local council). They claim that Housing Benefit wrote to her in February asking for further proof of her income (she never received any such letter) and because she has supposedly ignored this letter, her Housing Benefit was stopped two weeks ago. The Council are now demanding payment in full of over £180 to cover the past two weeks, otherwise they will be seeking a court date for eviction. She telephoned the council and spoke to the woman in charge of this and she was very rude and told her she won't accept weekly payments and if the amount isn't cleared in 7 days then she'll be seeking possession of the property. My friend told her that she'll take all the proof of income into the council and the Housing Benefit will be back-dated but the council lady said this isn't good enough and won't be processed in time to avoid court and then eviction. My friend is obviously worried to death now and scared she's going to end up on the streets. She's disabled and living in an adapted property and wouldn't cope with being homeless, frankly. My question is, can the council behave like this or this just a case of a council employee on a power trip and taking a bad day out on my friend? My friend has no history of arrears and has been a model tenant.

Hi everyone, not been on the forum for a long time, mainly due to the help and advice I received at the time! I have a quick question, but first a bit of history. 6 years ago my wife was made redundant. She was earning a great salary at the time, so we were hit quite hard. Had to make arrangements with all creditors, most of whom hit us with defaults from every angle!! We have a Together mortgage with NRAM. The secured element has always been kept up to date, but 3 years ago we made an arrangement to make reduced payments. Should have been paying £140, but been paying £40. They agreed 0% interest too. Well, life has moved on and thankfully now the defaults have started to disappear from the CRA files, and by this time next year they will all have gone. Hallelujah!! Unfortunately (if thats the right word?), NRAM didn't default us on the unsecured loan, so it shows as LATE PAYMENT on the CRA file, with arrears of £4000. I want to pay them more now, but I'm not sure of how to do it in the most cost effective way, but as importantly, I want to get the CRA file cleared up. We're currently paying £40. We should have been paying £140. I can only afford to pay £140 now, so not in a position to clear the arrears & can't imagine we will ever be. My ideas were:- Divide the total outstanding balance by the remaining term of the mortgage = £80 a month. I pay this every month, they amend the CRA file to show no arrears. Obviously they'd have to keep the interest rate at 0% for this to work. I know thats a big ask, but they'd be getting double what they are now. The alternative is I stop paying, they default me, I provide a budget planner to show I can only pay £85 a month, interest is frozen and the default disappears in 6 years. If they won't agree to my idea above, this is probably preferrable for me... Alternatively (and probably more realistically), they agree to capitalise the arrears and I repay the new balance at the original interest rate over the remaining term of the mortgage. This would be about £125 a month. I'd be happy with that too. One thing that's strange is that I'm CERTAIN we took the unsecured loan out over the same period as the mortgage, but it seems to have 10 years less to run now??!! Maybe the old grey matter isn't what it once was! Anyone any thoughts on this situation? Are they likely to agree to my 0% suggestion? Might they go for the capitalisation of arrears idea? One final word for anyone going through what we've experienced over the last few years. Don't Worry! A few years ago we thought our world was ending, sleepless nights, arguments, and lots of letters to various DCA's, solicitors etc. .. 6 years flies by, life goes on, and there IS light at the end of the tunnel. Once thing we have learned is that credit is evil, and creditors are not nice. If we haven't got the cash, we don't have it. A lesson our grandparents tried to teach us, but we knew better didn't we?

Hello, 3 weeks ago Scott&co told me they were going for Bankruptcy. This was on a friday over the fone. On the tuesday I was on the fone arranging a new payment plan, placed on hold while he cleared it with his manager, my credit ran out, so the call went dead. When I called back the next day they were closed. When I got back through to them on the friday, it was then I was told they were going for Bankruptcy, despite me telling them it was only tuesday they were happy enough to arrange a new plan.. The total figure owed is over 8k representing just under half of the last 12 yrs council tax (at £1400 per year) including charges. Since finding out about this, I have paid £250 off of the arrears. Last night when I went to pay another £50 using their automated 24 hr system, it would not let me, informing me the system was down for maintenance. I called the today, and the young man told me he could not accept Any payments, apart form the Full Balance. I asked him to send me that in writing, and also that they were rejecting my payment proposal of £150 per month. He said he is not sure if they can do that, we will see. Needless to say, I am terrified. I work, have lived in this house since march 1997. There is around 6 yrs left on the mortgage, it is my only asset. I have enlisted the help of the local C.A.B., and they managed to get me a 4 week suspension, which is due to end in a few days. There are companies that buy properties quickly, for Much less than market value. I do not know what to do. Whist I am very thankful for the CAB, and appreciate they have a lot to do, the fact is communications with them is like pulling teeth. It is a closed office here in this small fishing town that handles money issues, and I can Not get the to answer the fone. So today I wrote a 4 page letter to them, and posted it through their door. So, I await any reply from them. The only comms so far, has been me filling out a large CAB set of forms, handing them in, then getting a letter stating they had attained a 4 week reprieve. I rang Aberdeenshire Council direct, and spoke to a young lady called Sara, she said she could see the £250 I had paid, and said I ought to ring Scott&Co and given the payments I have recently made, they should agree a payment plan with me, but you can read above what their response was/is. I feel powerless. What am I to do if they will not receive payments, not agree a payment plan, and intend taking me to court. What will happen ? Will the Sherriff put me out the house, and it go up for Auction ? It is Aberdeenshire Council to whom the money is owed (a lot of it is charges and the single persons discount I never received..) I am not expecting miracles, but would be very thankful for anything you may think will enlighten me. S Thankyou,

I have a couple of questions I'm hoping someone can offer some advice with. I have a secured loan with Southern Pacific (Acenden) for £5500 taken out in 2006 and is due to finish at the end of April. In 2007 I was made redundant, got in to approximately £400 of arrears and was taken to court and ordered to pay the full monthly payment plus £20 per month towards the arrears. T his I did but Acenden added a £30 arrears fee each month to the arrears, hence I had no chance of ever repaying these arrears. The situation is that I now owe £12k which is due to repaid at the end of April and is made up entirely of fees, charges and interest. My questions are, 1. Does anyone thing there is any point going to court to challenge Acenden on the basis that they have frustrated the order of a court (or whatever the legal terminology maybe) as by them adding charges to the arrears I could never repay the arrears as directed by the court. 2. Does anyone know of any company that would be able to offer legal help (rather than just the generic advice you get from National Debtline etc.)? I have approached a local solicitors (in Bolton) but they want my to pay £500 up fron t just to look at the papers before deciding if they could help which I'm not in a position to pay. Any advice appreciated.

This new bill seems to have escaped debate on any of the forums. It was introduced last month in the Commons under the ten minute rule and is due for second reading on the 11th March http://services.parliament.uk/bills/2015-16/regulationofenforcementagentscollectionofcounciltaxarrears.html http://www.publications.parliament.uk/pa/cm201516/cmhansrd/cm151028/debtext/151028-0001.htm#15102833000002 Yvonne Fovargue (Makerfield) (Lab): I beg to move, That leave be given to bring in a Bill to make provision about the use of bailiffs and other enforcement agents by local authorities to collect council tax arrears; to establish a code of practice for enforcement agents; to create an independent bailiffs ombudsman to administer the code and to investigate and adjudicate complaints; and for connected purposes. This Bill deals with two interrelated problems which, taken together, are pushing too many people into a debt trap by forcing them to borrow more to pay council tax arrears and unaffordable bailiff fees. The first problem is that local councils are too ready to call in the bailiffs when people fall into arrears on their council tax bill. This is despite guidance that is meant to encourage local authorities to look towards establishing affordable repayment plans in such situations and thus avoid the bailiffs. The Bill gives people a stronger right to challenge councils to offer an affordable repayment option before instructing the bailiffs.

I'm having similar problems, could you please let me know how i would get a summary of the charges added to my account, i've tried logging into their website but they will not activate my account. I've received a letter stating i'm in arrears but when i ring up they say my account is in credit and they will get someone to ring me back, but never do!!!

Hello I really need some advice. I have been given an eviction date from my mortgage lender as we are in arrears and have failed to keep to an agreement. This eviction is set for the 10th of March, we only received the notice a week and a bit ago. I have filed an N244 application to try and delay the eviction. I just don't know if it will be successful and as this hearing is set for the 8th it would be cutting it very fine. I have written in the N244 that due to my wife's medical condition we desperately need more time to find accommodation. She has an chronic back/spine condition and struggles to do normal day to day things and mobility can be an issue at times. She is also being treated for a heart issue and has to have her liver scanned at the end of March for a separate issue. We have approached the council and have been put on the list for "suitable housing" closer to our grown up Children.They need to help her when I am at work or working away. This all takes time! I have also asked if we can have time to sell the house ourselves but not sure if this will be allowed. Does anyone have experience of these hearing and if this could buy more time? I am totally lost............

Hi everyone, I live in a flat which i have to pay ground rent every 6 months. I've always paid on time over the space of 6 years. The account was setup to have payment requests sent via email, a work email. Since October last year that email address no longer existed, better put i had no access to it anymore. I then received a Payment request through the post demanding what is rightfully owed to them but they have added "Ground Rent Arrears Fee" x4 of them totaling to: £330.00, i disputed this amount and sent a cheque of the original amount due of £200.00 saying there was no access to emails since this had become due. They sent the cheque back and demanded the full payment and still are with arrears fees still being added. In answer to my first letter to them explaining about the email, they said i was bound to the terms when registering for an online billing account that all bills would be sent to that email address only. Do i have any space for argue here? Seeing as the fees are so high every time, i have no means to pay it at the moment due to my working hours have been heavily decreased. Can i argue to the fact of the email account or the extremely high charges? Your help would be appreciated. Thank you.

Hi Guys, I've been reading through this part of the forum and it looks like I'm in the right place. I've had numerous letters from various bailiffs about some large council tax arrears I have unfortunately accrued over the years. Unfortunately I have not always been a high earner since my business folded back in 2008 when all this began. Last week these guys turned up and I greeted them and they demanded over £4000, I told them I had been in contact with the council and would deal with them, they threatened me with sending it for committal (if that's the correct phrase) because I was refusing to pay. I responded with "I have nothing to take and no money, I am not refusing too, I just cant afford £4000+" Today they turned up again and my girlfriend had parked the car on the driveway (her car but in my name, she pays insurance in her name, it was on my business policy until it ended in December). They have given me a control of goods bit of paper on this car and have given me until 03/02/16 to come to an arrangement or pay. Now I am very poor at present, trying to develop a new business and can barely pay my mortgage at the moment. I have little to no spare money, I would love to pay this off and get it gone but I just can't afford it as I also have other priority debts I'm trying my best to work on. They say (with they're charges £75x5, £235) I owe £4861.02. I actually owe: 2008/2009 23.06.08 – 31.03.09 555.36* 2009/2010 01.04.09 – 31.03.10 793.05* 2010/2011 01.04.10 – 31.03.11 915.95* 2011/2012 01.04.11 – 31.03.12 861.00* 2012/2013 01.04.12 – 31.03.13 933.66* 2013/2014 01.04.13 – 31.03.14 0.00 2014/2015 01.04.14 – 31.03.15 530.98** 2015/2016 01.04.15 – 31.03.16 1030.71** TOTAL 5620.71 The total debits for the years 2008 to 2016 = £7053.48 and costs of £330.00 have been incurred. Therefore, total debit = £7383.48 The total remittance received to date = £1762.77, therefore the remaining balance of the account is £5620.71. That's straight from the Council. What on earth am I meant to do??? Thanks in advance,, Grant

Hi there, I recently moved from Norfolk to Somerset to be closer to my wifes family so she could get some additional help and support(she has been on DLA and then PIP for the last 5 years). In Norfolk we received 100% reductions in Council Tax and our only income is PIP and Income Support(I am her full time carer). Mendip Council granted us an 80% reduction but said that as we were of "Working Age" we were not entitled to a 100% reduction and when questioned why this was we were only told that "The Government says so"(No matter how many times I pointed out that I was receiving a 100% reduction in Norfolk and no where can I find any information of this policy online). We were told that we should apply for the Hardship scheme and we would get it as we have no income apart from benefits. Today I have received a letter denying us the additional help. Not what I want on Christmas eve. Its not a lot of money but it makes a difference. How can I fight this? Does anyone have any experience of a similar matter? Thanks

Hello all had a friend ring me earlier regarding CT from 2012, the outstanding balance seems to be £1200 Basis is he lived with his partner and child and then split up, they both moved to different places until 2 years ago where they both got back together and are now settled. They are now receiving calls from Newlans demanding aprox £256 per month to clear it but they are unable to do this as there is only one income. Unsure if they have received a NOE nas there is conflict within the family home causing arguments over this but will meet with them tomorrow to find out more. Any advice on what to do would be most appreciated. Regards to all

Hi Sorry in advance this is so long winded..... I have a secured loan with Idem. (originally with Picture Loans, but when they went bust it was bought by Idem several years ago) I have permanent 0% interest on the loan, as agreed originally with Picture when i got into financial hardship with them, and after some initial difficulties with Idem (when they tried to add interest back onto the balance when they took it on), this frozen 0% interest is now carried forward also by Idem. They acknowledge it and the balance now reflects it. My balance owed to Idem is approx £40k and everything i pay each month comes directly off that balance due to the zero interest. So i do have hope, and can see light at the end of the long tunnel in terms of eventually paying this off. I have been making reduced payments for several years due to financial circumstances. The original contractual monthly payment from the Picture days was over £650. When Idem took over the loan i was paying them as little as £120 pm. After 2 years now of regular monthly payments (all agreed with Idem every 3 or 6 months), i am now up to an agreed payment of £500 pm, having gradually been able to increase this over the years. Great progress i believe. Especially as all the payments are coming directly off the balance owed. My main issue surrounds the arrears balance. Because my payments are still under the original £650 contractual payment, my arrears balance has been growing and growing throughout the years of my reduced payments. The arrears balance is now approx £20k. However my query here, is that the interest is permanently frozen, and the contractual payment of £650 was based on the original interest rate of approx 14%. So the original contractual monthly amount now bares no correlation to the monthly amount required to settle the remaining balance on time. eg - I have 8 years term left on the loan, which is £40,000 / 84 months = £476 per month required, to settle the loan on time. So i am basically already at the the monthly level required to settle the loan on time. So surely the £650 pm contractual requirement, is no longer relevant, in terms of my requirements here. If i continue paying £500 pm i will settle this loan early. If i pay what they are asking as the CMP (contractual monhtly payment) then i will settle this loan over 1 yr early. And all the while that i continue to pay the £500, my arrears balance increases. It looks terrible on my credit file. I have asked them to wipe the arrears, due to the zero % interest, as they are no longer applicable to the amount owed vs the term remaining. However all they see is a piece of paper with a large amount of arrears on it, and a monthly payment which is less than the CMP on the account. So they will continue to put pressure on me to increase my payments up to £650, and then they will probably ask me to start contributing extra to the arrears. I'm not in a position to do this, or likely to be in the future, however i really don't understand why i should, even if i was. I have asked several times recently about capitalising the arrears, but they refuse point blank, saying they can't as it isnt within their policy, and would basically mean refinancing, which they wont do. So should i just accept that my arrears balance will continually increase, despite my good intentions and work in getting back to where i am now? Even though the loan is likely to be paid off early at the current level. It is very stressful knowing my payments are less than contractual and that i need to renegotiate payment plans every 3 months, each time i do this they mention the level of arrears. I'm worried they take further steps due to this high number. Even though the number really in my opinion, is no longer a relevant aspect of this. My ideal scenario is to be able to have the arrears balance cleared to zero, and agree with them a new monthly payment amount that clears the balance owed in the term remaining. ( i believe this is effectively what capitalisation is??) That would remove the stress of the huge arrears figure, greatly improve my credit file going forward, and give me huge stress relief from knowing the account was under permanent control with no more worry about negotiating new agreements every 3 months or worrying about potential further action on the arrears. Is there anything i can do to make them see sense over this? Or any other options i haven't thought of? Sorry i have rambled on here. Any help, thoughts, or advice is very welcome. Thanks

Hi Can someone give me some advice regarding a letter I received this week. It started last week when I sent a letter away asking for a refund of charges made to my account over the last 6 or 7 years, within a week I received a letter regarding another matter linked to my account informing me of a refund I was due. In the letter I received they had included some figures and said my account was to be paid off in full and the extra money that I was due was to be sent out to me by cheque in the next couple of weeks. This as you can imagine is a pleasant surprise but I was also wondering if the figures they are quoting are correct and that I am receiving the correct amount of money due to me. The company in question are ( london & scottish) who were taken over by a firm called .. this is who I received the letter from. I also downloaded a document relating to ( London & Scottish : In Administration) which I am finding quite difficult to understand fully, the way I am reading it I reckon I would be due more than the figure they have quoted. I was wondering if I could pm one of the forums administrators with the info I have at present for himself/herself to have a look at their conveiniance. thanks

Hello all My problem in a nutshell: I've just sold my house and was flabbergasted to receive not one but two exorbitant redemption statements from my first and second mortgage companies, although the names of the lenders will no doubt surprise no-one here: First Mortgage - Paratus AMC (interest only) - Balance approx. 160,000, 'Arrears, Arrears Interest and Fees' almost £4,000 (I'm pretty sure there are no longer any actual arrears) Secured Loan: FirstPlus - Borrowed 50,000, Balance - 27000, Settlement figure **43,000** - I thnk I must have a share of Vorderman's plane included in that I was in arrears for a while after being unemployed for around a year between 2009-2010 and made payment arrangements with both companies and it appears to me that they have been profiteering from my misfortune and my lack of understanding of how they operate, ever since. I can't stop the sales process (we'll complete tomorrow all being well), but I'm hoping there may still be something I can do after redemption. Any pointers as to the appropriate forums for these matters (if this one isn't) - and advice on getting some redress - would be very welcome. I've had a look around, but unsure. Thanks BankSqueezed

So after 8 years, several Eviction hearings and mortgage lenders (lost count of how many times its been transferred now) I have finally paid off my arrears. Does anyone know what I should do now to stop the lender going back to court on the old possession order, Lord knows Ive learnt how to manage my finances now and will try my best never to fall behind again. Glad to have this chapter behind me. Over the years I've racked up tens of thousands of penalties and charges which also accrue interest separately to the mortgage. the Lender is now asking for me to set up an arrangement to pay these back, however I am disputing some of them. The lender has threatened to go to court to demand the whole payment, so I am a bit worried. Are these charges payable on demand? they have refused to add them to the mortgage. Any advice on what to do now?

hello. ive just received a letter from the legal team from the csa . saying that i cannot take them to court as there is no duty of care to avoid economic loss and they have stated a case from rowley vs secetary of state 2007. i am owed 2.300 in arrears from 2012 and have tried several times to get my money now this letter is threatning me with substantial court costs if i continue to take them to court over this matter can any one help. im a carer on benefits .

Hi all. I am at the end of my tether and need to vent! I would also appreciate any advice on how to get the CSA to pull their fingers out and collect my son's money! My son is almost 17. Without boring you all with my life story, his biological father has never seen him and has denied him from day 1. He is a nasty piece of work. This may sound like a bitter ex-partner but believe me - I'm not. I never asked him for a bean towards my son, just to be a good Dad. He could do neither, had 2 more kids by different women, abandoned them too and ended up in jail. In a nutshell, I have had 2 payments from the CSA in my son's 17 years:- 1 compensation payment from them in 2000 due to their utter neglect of my case- 1 partial arrears payment in 2011 (yes - 11 YEARS later) of £1,500So, less than £100 for every year of my son's life. I have chased and chased and chased... I get nowhere. I have written complain letters, telephoned and asked politely, telephoned and ranted, telephoned and downright lost my rag... nothing . Yet according to their webpage they can impose all sorts of enforecements! I just can't see how they haven't sorted it out! They claim he doesn't respond - HE SPENT THE LAST 2 YEARS IN PRISON FOR PITIES SAKE! It's not like he could have moved! Help! What works ??? How do I get my son's money so he can go to Un i and be the decent man his "father" never will be?!

Please help. My partner is in 4 weeks arrears of £200 due to losing tax credits. he has offered to pay extra on top of what he normally pays but they won't accept his offer and its putting us in more debt due to their charges on top. hes worried sick and suffers from health problems and is awaiting on his medical for him to stay on his ESA and this is making his health worse as we can't make that £200 up on top of the £53 he already pays per week. then we have other bills. We don't have their insurance as have our own but they're now threatening to come into our home and tell the neighbours about us not paying and they want to take our goods which we've been paying on for over a year and some 2 year and we can't do without the washing machine. I don't want to lose our things.we just want to arrange to pay a bit of arrears back on top of the weekly payment even if it does leave us without.

I've lived in Latin America since I finished university in 2010. Yesterday I was given a letter which had been sent from the UK almost a year ago (dated August 21st 2014) saying my account is in arrears by over 1300 pounds. God knows what that has escalated to by now. A few weeks ago, someone called at my dad's house in the UK looking for me - I'm guessing that that is whatever debt collection agency they've sent after me. 1300 GBP is is pretty close to what I earn in a year in this part of the world (basically a volunteer worker) and I've never earned anywhere near their threshold for paying them back. I think this demand for money has been triggered because there was no contact between me and them throughout 2014 (googling this seems to show that you're supposed to submit forms every 12 months, not that they ever told me that). Obviously I cannot pay them back anything as I simply don't have it, and will not have it for the forseeable future. I've emailed them a response asking them to phone me, but until then I'd appreciate it if anyone could shine some light on what I should be expecting here. Basically, what do I do? And what about if it has gone to debt collectors, which I suspect it has?

Hi all, First of all I have been a bit cheeky, but if anybody could clarify the below it would be appreciated. I returned to the UK last month and the SLC want 5 grand off me upfront for loan arrears and additionally I need to pay the remainder of the debt off via the PAYE system. The amount to be paid off via the PAYE is for around another 10k and will be paid off in due course. My question, as I cannot afford to pay off the full 5k. Has anybody been in this position before and if so what was the outcome? I hoped that the arrears would be consolidated with the remainder and I would pay everything off for x number of years via the PAYE system. Thank you very much and hopefully I receive some juicy responses All the best, Cookie813