Link Financial outsourcing and student loans

[sangchan]

Ive been getting mail from Link Financial Outsourcing regarding an old student loan.

 

I was deferring the payment as I was unemployed at the time then about 6 years ago I forgot to defer the payment

and was asked to pay about 6 months worth of repayments,

I told them I was unemployed and I didnt have it but they didnt care so I broke off contact completely with them.

 

It looks like they have sold the debt to Link Outsourcing,

my question is this,

should I contact them and ask for the original credit agreement and use the statute of limitations defence or should I ignore it?

 

Im not sure if its been over 6 years since I last contacted the student loans company (but I think its been over 6 years)

 

If I contact them and its been under 6 years the debt becomes "live" again as I understand it. Any information would be gratefully received.

[cerberusalert]

What years were the loans covering. It depends on whether they are the 'old style' or the 'new style' loans as to whether it is nearing to be Statute Barred.

[sangchan]

I was at university 1994-1997

[cerberusalert]

It's the 'old style' student loan then and becomes Statute Barred as long as there is a clear period of six years where no written acknowledgment of the debt, deferment or payment has been made.

 

You could send the student Loan company a SAR to determine the time frames to see whether it is SB now. As for link you could send them a letter denying knowledge & requiring them to prove a debt exists. If it is nearing becoming SB you may be able to drag it out until it is. http://www.consumeractiongroup.co.uk/forum/content.php?428-General-debt-letter-if-you-know-nothing-of-the-debt

[sangchan]

Yes, thats a good idea, I can write to the Student loans company as they dont have the debt now since they have sold it to Link Outsourcing

[cerberusalert]

Asking for a SAR is not an admittance of a debt, all it does is require them to provide whatever information they hold on you as a person which would include any a/cs you have had with them.

[cerberusalert]

Thread moved to the Student Loans forum.