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FFS, what a big to do about nothing.
IMO Lori and Gallivanter are both top posters. So there, put that in your collective pipes and smoke it. |
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maybe you should just pay back what you think is a sensible amount?
it was a loan afterall |
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haha, very diplomatic.
Offer to pay 12p a month even though you don't have a job. "I am happy to pay off the debt using my own savings, even though I am not required to do so." ;) |
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surly politicians are sponging**s considering they get 60k a year but we have to give them extra for everything they spend they dont pay for f uck all people on the dole get **in £60 a week politicians get 60k wage then probably another £500 a week in expences if the law says someone can live on £60 a week thats what the politcians expensis should be rich already but wont let a £5 taxi go by without claiming for it**takers the lot of them
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thought student loans were interest free....
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they tried to pull that sh*t on me.
student loans company asked what I was doing and what I was living on. inland revenue did the same......they were even more sceptical of me...the IR wanted to know if I wasnt paying tax why I wasnt claiming Job Seekers Allowance...and if I wasnt claiming JSA then what I was living on. ---- the less u tell them the better imo. My excuse was - I lost my job in the city....no redundancy pay and I'm now exploring my options. As soon as I start back work I'll contact both of you. short and sweet. that was about 6 months ago. havent bothered me since. gluck. Infact i actually got a letter back from the IR about an income tax rebate...oh yeah. |
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crediter 07 Mar 02:03
thought student loans were interest free.... They're inflation linked, but they're not at inflation rate, they're at a higher rate than inflation. |
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*Actually they use a different inflation figure to the headline figure.
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The Investor 07 Mar 00:56
haha, very diplomatic. Offer to pay 12p a month even though you don't have a job. "I am happy to pay off the debt using my own savings, even though I am not required to do so." That's very nearly what happened to me in the end. They**ged themselves over by not letting me know they wanted me in court, so when I didn't turn up I was found guilty. Of course, they very soon managed to contact me about my means test after they won the hearing... bet they wish they hadn't as it gave me the chance to prove everything I'd said all along. At one point the woman asked what I could offer and I said "I'll give them £20 on months when I win if they'll give me £20 on months that I lose" We settled on a fiver a month, win or lose..... things got even nastier after that, but i'll save that for another installment :^0 |
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CurlyBlues 06 Mar 23:45
From experience I have an inkling that most people who support themselves financially through gambling alone don't sign on because the hassle isn't worth it. I strongly doubt it's because they are being altruistic and feel that they are benefiting society by not doing so as you seem to be implying. It may have more to do with the fact that you can't get dole money if you have a certain amount of money in the bank. Anybody making a living punting should comfortably have over the threshold allowed. As for the interest rate, they ar now very high when you take into account what inteest rates are. Inflation linked rates are now working against students. |
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Lori,
Why are you paying if you don't have to? |
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I suppose I mean why are they insisting you pay?
Seems like most haven't had any bother with them. The only prob I had was when I moved house and told them. They seemed to "forget" so I missed the deadline to "prove" I wasn't earning enough and my payments started when I wasn't expecting it. |
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Monkfish 07 Mar 08:05
I suppose I mean why are they insisting you pay? It's all done and dusted now, it took me 17 years to pay though. They were insisting I pay because they are**bags. They threatened my family with repossessions amongst other things, when my family didn't even know where I was at the time. They simply wouldn't believe that my income was below the threshold because I a) couldn't get a bank account as I had no job and b) didn't sign on the dole because I wasn't actively seeking work. They didn't believe anyone could be in this position so they started getting very nasty. I guess most people come out of university and go into work, so they just pay it because they're over the threshold and there's no issue. As soon as you defer a payment, they come after you, I wasn't the only one in this position. The guy in front of me at the means test was a busker in the same position as me and as I understand it, he had the same issues (I only heard this from the means test woman, so it could have been her fishing to see if I would slip up or something) I had phone calls where I actually got them to admit they were lying to me. By sticking to what was the truth, and sticking to what I was entitled to I managed to get two members of staff to break down on the phone because I'd caught them lying on tape and threatened to take THEM to court (something I could never have afforded or I'd have done them). I think one girl may even have been fired for being caught out. I hope she was. I hope it ruined her life in fact, but that's less likely sadly. The levels they stoop to to make your life a misery is disgusting. At one stage they lied to me about payment methods, saying I could use a photocopy of the paying in slip to pay in when my book had expired. Obviously it turned out I couldn't and they then attempted to take me to court AGAIN. Unfortunately for them, I'd found a way to pay in the few days it took them to try to screw me over and they had to cancel it. I could write about this stuff all day, but the end outcome was a) They got paid and b) They spent more money getting paid than the amount they were chasing... I made sure of that. |
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Wow, I didn't know they could do even threaten repossessions of your family. That's outrageous
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Unfortunately for them, I'd found a way to pay in the few days it took them to try to screw me over and they had to cancel it.
To show the lengths I had to go to to just avoid them trying to wreck my life, I managed to pay by going back and using the appropriate photocopy having changed the number on the bottom. When I'd convinced the RBS that this was indeed 100% certain a unique number, they took the payment. On another occasion I got a member of staff at the bank to phone them up to help me pay in (notice, I'M running around here to pay THEM the money that they were now legally entitled to (despite the fact they should never have been in that position) and the guy was given the runaround for about an hour. He started with the opinion that I was some sort of dosser (he was right) and ended up with the opinion that these were the worst people he'd ever dealt with, a pretty mean feat for a banker (he was right again). They were making it difficult for him to accept my payments, again in an attempt to take me back to court for non-payment to attempt to get a higher ruling. Of course, taking on a dosser who you've managed to upset greatly, who has 24 hours a day to think about the next move and to dodge all the bullets you're firing is going to cost you a lot of bullets. If they'd left me alone they'd have been paid about 10 years earlier and actually made their money on the deal that they were originally entitled to. |
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Monkfish 07 Mar 08:22
Wow, I didn't know they could do even threaten repossessions of your family. That's outrageous I'm pretty sure they can't. I promise you they did though. (Unless both parents have individually decided to lie about it, which is a very long shot) |
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I actually don't think its unreasonable to assume that a lot of gamblers especially ones who are currently being hounded by the SLC don't have £16K sitting in a physical bank account. 6K on the other hand is perhaps not such a stretch.
Regardless, the benefits to signing on to someone already making a living simply wouldn't be worth the hassle. As for the SLC for two years I didn't inform them of a change of address and despite threats of repeatedly adding £150 on to my balance they never did. I recently started a job where the money really was too good to turn down at my age and pay back c.£95/month. The last time I checked my statement they were charging me £61/month in interest.It just goes to show that you really should read the small print. It was 6 years ago now but all I can remember of the time was that it was "interest free". Nevermind, you live and learn or at least you should. |
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Gallivanter 06 Mar 19:38
the fact is I AM NOT ENTITLED to pay it back The fact is that if the rest of your education was absorbed as well as your English then it was wasted. You're the one refusing to pay your loan and yet you had a go at the poor devils on benefits. Now you've attacked the disabled. You're a real keyboard warrior, aren't you? Have a nice time in the wine bar and try not to spill anyone's drink. english was never my strong point at school. i'll admit that. but i always exceled at maths and did a mathematics orientated degree standing on my head. refusing to pay back the loan? what planet do you live on reo**er? i used to have a semi ounce of respect for your posts gallvinater, buts it becoming apparent that i am speaking to some gibbering bitter moron who's mum has finally let him loose on the household pentium 50 without net nanny enabled. now i've attacked the disabled?????? Brain, grow one. well i did publically object to the purple place's unoficial new asian handicap policy over the weekend but i don't think it was that tree you were barking up. |
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I simply send a few recent bank statements to the SLC showing payments to and from virtually every betting company in the country. They return them a few weeks later with a standard letter saying my repayments are deferred until the next year.
I think my loan gets written off when/if I reach the age of 50 so I've only got to do this for a little while longer. |