What I am primarilyasking is 'What legal sector do I need to consult in order to getjustice I feel I am due for the grievances against me by both StudentFinance England and the University of Manchester' Please be awarethat, such is the epic screw up on SFE's part, the document detalingthis issue spans 20+ pages with about 30+ pieces of documentaryevidence.
Solely due to mistakeson Student Finance England's (SFE) part I had to drop out ofUniversity on TWO occasions. Firstly at Manchester and secondly atthe University of Leicester.
September 2009 –started at UOM – Before attending University at age 24 I hadsubmitted evidence that I had been independent of my parents for 3years (since was 17 in reality, so 7 years) thus guaranteeing themaximum allowance. My first support payment was clearly the basicamount and at this point looking for assistance from UOM I foundnone. UOM had cancelled all student finance support and wereunsupportive to the point of dissmissive. The help I received afteran hours queing was a phone shoved in my direction and SFE's number.
I called SFE who toldme I was 8 days too young to be automatically classified a “MatureStudent” (I turned 25 on the 9th of September).Presumably this is why I sent the documentation 4 months before. Inthe end, they forced me to get my parents to fill in documentationabout their earnings and they concluded in approx December that thisdid not change my entitlement.
February 2010 -I was approx £750 behind with my accommodation fees and I had spent100's of hours trying to get them the info to prove my status asindependent. Due to my being behind I could not register for thefollowing year's courses, arrange accommodation for the followingyear and UOM refused to release a £1500 grant to me as I was behind£750, even though it would have paid the shortfall etc.
April 2010 – Feelingcompletely despondent, unable to organise the next year, choose mycourses due to the accommodation debt, I left UOM and returned to myhome-town of Leicester.
June 2010 – StudentFinance contact me to state that they recognise my status as a maturestudent 10 months after starting University, and 2 months afterhaving no option but to leave. My exams had passed.
January 2011 –My daughter is born.
Early 2011 – Iapply to the University of Leicester (UOL) and get accepted.
October 2011 –I begin University of Leicester, my daughter attends the UniversityNursery.
1stsemester – SFE mistakes cause problems with the nurserypayments and grants, I become very familiar with the staff at theStudent Welfare Office, Julie Boggon and Adrian Gascoigne. Incomplete contrast to UOM these people are amazing, I cant speakhighly of them enough. Everything sent to SFE goes through thisoffice recorded and documented, the people in this office werefantastic, supportive and gave you their time.
October 2012 –I began this year having to provide evidence to SFE of my previousyear's income (much like everyone else). Because I had been such aregular in my first year, and my myriad of problems with SFE so far,I consulted UOL's Student Welfare team, who were happy to help andsend the documentation via recorded post.
November 2012 –SFE wrote to me stating that I had not provided the informationrequired, they were stopping all payments including the Nurserypayments for my daughter and also claiming back all the payment forthe previous year. They sent me a letter stating I owed them inexcess of £20,000 with immediate effect.
November 2012 -March 2013 – I spent hours upon hours in the Student WelfareOffice every week with Adrian Gascoigne (who was sympathetic andcompletely baffled like me) attempting to sort this out (The evidencesent was required to be the original documentation, we could not sendduplicates). Every day I had to take my daughter into the UniversityNursery (who were partly independent) every single day knowing that Iowed them (by the end) £4000. They were understanding, but themanager, had to keep asking me when we were going to pay up, and Ihad no answer.
In February, Ihad an accident in my car, it was wrote off, I had no money toreplace it and taking my daughter on 3 buses to uni and then 3 busesback was difficult and expensive. Obviously, in the end, I had nochoice, I had no money, I couldn't keep leaving my daughter at thenursery (and it literally killed me to take her out! She loved itthere) we were broke.
July 2012 - Onceagain, SFE got back to to let me know that they had MIS-PLACED all mypaperwork for 10 months and just located it.
I was fuming, I wroteup my entire experience (20+ pages) of the previous 3 years, gatheredall the documentary evidence (30+) I had and sent it to SFE,Financial Ombudsmen (never heard back) and my local MP. I receivedhelp from Keith Vaz MP but the best SFE could do is send an apologyletter stating they accepted blame for losing my paperwork, (thoughthey attempted to deny responsibly for my experience at UOM) andoffered me the pathetic sum of £500 compensation.
The stress andfinancial hardship of the past 2 years had doomed the relationshipwith my daughters mother to failure and we split up in September2013.
October 2013 -Penniless, I accepted a job with my friend driving all over thecountry and and moved to London into a flat with another friend.
******* Since leavingUOM I had been in sporadic email communication with their collectionsdepartment who said I owed them £3000 for accommodation (theycharged me for the whole year even though I left early). Every time Iresponded that I accepted I owed them £1500 as they did not pay the£1500 grant (see above), money they would have received from SFEonce they accepted I was an independent mature student after I left,I did not accept the £3000 figure.
May 2014 – Ireceived (what I now know was) a CCJ for the amount of £3000+ fromUOM. I sent a letter to the court explaining the situation, and UOMaccepted the £1500 on a payment plan of £100 per month. I thoughttheir acceptance meant I did not get a CCJ... I was wrong. I cannoteven get a savings account, let alone a bank account, a loan or renta property. I managed to get a really great job in finance in Londonat the same time, the CCJ nearly cost me my job! 2 weeks earlier andit would have!
January 2015 –I receive a letter from SFE stating that they will start taking moneyfrom my wages in April 2015. I also found out that my flat I share isbeing sold by the owner, due to the CCJ I will not be able to rentanywhere on my own merit. (a CCJ makes you financially untouchablefor 7 years!!!!!!!!)
x Turn on thread page Beta
Student finance ruined my life - which legal sphere do i need to consult to sue them? watch
- Thread Starter
- 22-01-2015 04:20
- 22-01-2015 04:30
Something seems to have gone wrong with your spaces, it's a little unreadable right now.
- 23-01-2015 20:20
I am sorry you are having this problem, but maybe you should send a letter about your concerns to Student Loans Company.
- Thread Starter
- 23-01-2015 21:28
if you read the post, you'd see i sent multiple complaint letters to SLC and only got a half-decent response once i included my MP Keith Vaz. I have a letter from the CEO of SLC 2 years ago admitting they lost TWO lots of my paperwork for 10 months and offered me £500 a recompense for those mistakes.
Bearing in mind, the errors made by SFE/SLC drastically impacted my families life (I have't seen my daughter since before Christmas), my credit is now so screwed up i'm worried that I am going to struggle to find somewhere to live which could lead to me losing my job, and i wouldn't get another job in finance with a CCJ. And in April, they are going to start charging me 1000's of pounds for the wonderful experience of the past 6 years.
So i have sent letters yes, and i'm preparing another one. but seeing as i was insulted with a £500 compensation offer for mistakes that will cost me 1000's, I want to send that letter to a lawyer as well. But the most suitable sector i can see is the Civil Rights lawyers.
- 23-01-2015 22:29
Contact a solicitor who would be willing to take on ur case. Explain what has happened, as you certainly have enough evidence. The government are terrible with giving any compensation or literally giving a damn. A similar thing happened to me; just keep on it and perserve.
Posted from TSR Mobile
(Original post by Butterfly92xo)
- 23-01-2015 23:59
I am sorry you are having this problem, but maybe you should send a letter about your concerns to Student Loans Company.
Are you having a fricken joke?
- 24-01-2015 00:04
I feel for you, you poor thing! Talk about life being ruined by SFE, I have heard so many bad things about them if they make a mistake, luckily they haven't with mine - this year. I really hope you can take them to court and get some serious compensation from them. You certainly deserve it. If you give uni a try a third time as you have used two years up they would make you pay for the first year back as well, they have changed the course of your life forever and all of this was their fault. You can't stand for this. Personally I would have found their head office address and gone there, no matter how far and found the top person there and sorted it out, I wouldn't leave until I was arrested!
- 24-01-2015 20:30
- Thread Starter
- 24-01-2015 21:10
- 25-01-2015 00:45
I think you should go and see CAB or call a local solicitors and ask for advice. You normally get the first hour for free
- 03-02-2015 23:46
- 11-03-2015 14:25
I would also consider contacting the NUS - at national level to let them know of your situation and how it was handled - they may know of other people who have had similar issues and have advice.
I'm so sorry that this happened.
It's absolutely appalling and I wish I there was more I could do to help.
- 04-05-2015 03:52
Hi, I was going to go through this process and got up to this point. Very helpful advice given
*And finally, if you are still unhappy
You can ask for your complaint to be
referred to our independent assessors.
If your complaint relates to a mortgage
style loan (generally pre-1998) and you
are unhappy with our final response or
have not received a final response within
8 weeks of your original complaint to us
then you can contact the Financial
Ombudsman at the following address:
The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London E14 9SR
Email: [email protected]
Phone: 0845 080 1800
- 05-05-2015 10:57
the financial ombudsman probably wont take the case if you are considering legal action and Ombudsmen often offer miserly compensation. I advise you to check any insurance you have to see if you have legal cover included and to take a free half hour of legal advice. Take all the documents with you and use flags to highlight dates. Ask about no win no fee, as you have some sort of admission of error they may be willing to take you on.
I know little about county court judgements but for advice on how to avoid it affecting credit try asking here http://boards.fool.co.uk/legal-issue...x?mid=10855935 I know from a friend at the CAB that there are basic bank accounts available http://www.moneysavingexpert.com/ban...-bank-accounts
When it comes to the relationship with your child focus on being a good parent - arrive when you say, be polite to her mother even if that relationship is beyond repair, if for any reason you are delayed phone, do what you can be contribute financially even if it very little and make it clear you hope to be abe to increase it.
You've had a really bad time but you dont mention any work you or your partner did so I wonder if there is more you could have done. You now need to focus heavily on where you go from here and how you improve your life now.Last edited by parentlurker; 05-05-2015 at 11:00.
- 05-05-2015 11:03
btw as a general rule inn negligence cases you only get financial loss - so you will need to show what the mistakes cost you in terms of debt, extra interest payments and so on. You are unlikely to get anything much for general distress, although personally I'd like to see some punitive damages awarded now and then.
- PS Helper
- 05-05-2015 11:14
In terms of lawyers, you need a generic disputes lawyer, they'll advertise under 'Commercial Litigation' or 'Commercial Dispute Resolution'. There are a number of avenues this could go down, so you don't really want to get a pure specialist in one of them straightaway.
You would need a lawyer on a no win-no fee I imagine (fees on this could reach tens of thousands of pounds depending on the route taken) to make it viable.
You may be able to apply to set aside the CCJ, depends on the circumstances of the case.
I suspect, if how you describe it is how they see it, they will settle early, but difficult to say.
Don't feel pressured to go with a particular solicitor because you see them first, just choose one you like and feel comfortable with.
- 15-07-2017 19:36
I sent them all my docs and 2(two) prepaid special delivery envelopes. What they have done – sent me back my passport and ID card a special delivery and also return my prepaid envelopes. All other documents as a marriage certificate, tenancy agreement, p45 8items, driving licence, statuary declaration they sent me just a standard delivery. I live a communal house where everyone can pick something, particularly if it’s British documents, who know how are these people going to use now…
I contacted SFD together with people from a local post, they tried to help to find a tracking number which SFD lied they were looking for making a mess with me and post people. Then SFD accepted the fact that they just throw my docs away sending them by standard post.
Why didn't they use my prepaid envelope?! what is a logic? SFD rejected my special delivery envelope and sent just ordinary post complaining meanwhile now it’s quote here: ‘ This is because returning all evidence by recorded or special delivery would be a huge cost to the department and subsequently to the tax payer, versus the small number that are actually lost when returned. The system we
use therefore considers the value of the evidence when determining the method of post for return. ‘ Then they complain about a lack of funds !!!
They also decided for you what document are important and what they can easily throw in a bin sending for standard delivery. Look!! quote again:
‘ A passport for example will be returned special delivery due to the value and the cost of replacement. Other evidence to support an application (whilst of course valuable to the individual) do not cost as much to replace if they are lost or damaged.’ (end of the quote) Wow !!
And also, they even don’t listen to students – what they say, that they try to explain them, just ignore all information and keep doing their horrible damaging things. Another quote, please:
‘ The advisor updated your contact address and advised you that your documents would be returned to this address, which regrettably was incorrect. Documents are returned by our Evidence Return Team and are always posted to the customer’s home address on their file. On 5 July 2017,
our Evidence Return Team returned the following documents to the address….’ (end of the quote)
How do you like all of this?!!
What about data protection? Now someone has a lot of information about me and able to use it as he/she likes. Look like SFD supports crime situation in the country….
- 15-07-2017 21:51
Apologies if I have not read properly or misunderstood the context of the thread.
How can the student finance company demand the £20k. I thought it was 21k over income and they take x percent.
Under what circumstances can they?