Intentionally not sending Overseas Income Assessment Form

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beelzebub99
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I am a British national working in Germany, and have a student loan I'm repaying with Repayment Plan 1. I earn a salary that would mean I would pay considerably more than the "Fixed monthly repayment" set for Germany, of
£196.80 .

This page explains that:

"a fixed monthly repayment amount - this is how much you would be liable to repay each month if you did not inform us of your actual income while overseas."

My question is would it be a breach of contract or would there be any negative consequences if I just stop sending the
Overseas Income Assessment Form I am meant to send every year? And could someone tell me where I could actually find the terms and conditions of the loan so I can look for myself?

The benefits of this would be that I don't have to fill out and send this annoying form every year, and the monthly payments would be gentler.
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Erin SFE
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(Original post by beelzebub99)
I am a British national working in Germany, and have a student loan I'm repaying with Repayment Plan 1. I earn a salary that would mean I would pay considerably more than the "Fixed monthly repayment" set for Germany, of
£196.80 .

This page explains that:

"a fixed monthly repayment amount - this is how much you would be liable to repay each month if you did not inform us of your actual income while overseas."

My question is would it be a breach of contract or would there be any negative consequences if I just stop sending the
Overseas Income Assessment Form I am meant to send every year? And could someone tell me where I could actually find the terms and conditions of the loan so I can look for myself?

The benefits of this would be that I don't have to fill out and send this annoying form every year, and the monthly payments would be gentler.

Hi beelzebub99,


We would refer it to counter fraud services for repayment evasion and it would be a breach of contract
These can be found:
here http://www.studentloanrepayment.co.u...IDE_1718_D.PDF

We recommend you completing this form on a year to year basis to stop this from happening.

Thanks Erin.
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beelzebub99
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(Original post by Erin SFE)
Hi beelzebub99,


We would refer it to counter fraud services for repayment evasion and it would be a breach of contract
These can be found:
here http://www.studentloanrepayment.co.u...IDE_1718_D.PDF

We recommend you completing this form on a year to year basis to stop this from happening.

Thanks Erin.
Hi Erin, many thanks for the reply. But I don't see anything in that document that says not sending the
Overseas Income Assessment Form would be a breach of contract. To be clear, I would not stop the payments, and I intend to honour the contract. They will be made monthly as usual.

All the official information I've seen states that in the case that this form is not sent, the repayments will be set to the
Fixed Monthly Repayment until income information is provided, and no mention of breach of contract or fraud.

Could you show me where it says it is a breach of contract not to send this form? Or tell me where I can find the terms of the contract so I can check for myself?

Much obliged
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Stuart SFE
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(Original post by beelzebub99)
Hi Erin, many thanks for the reply. But I don't see anything in that document that says not sending the
Overseas Income Assessment Form would be a breach of contract. To be clear, I would not stop the payments, and I intend to honour the contract. They will be made monthly as usual.

All the official information I've seen states that in the case that this form is not sent, the repayments will be set to the
Fixed Monthly Repayment until income information is provided, and no mention of breach of contract or fraud.

Could you show me where it says it is a breach of contract not to send this form? Or tell me where I can find the terms of the contract so I can check for myself?

Much obliged
Hi beelzebub99,

The Education (Student Loans) (Repayment) Regulations 2009 are available here:

http://www.legislation.gov.uk/uksi/2009/470/made

Regulation 22 - Information Requests:

http://www.legislation.gov.uk/uksi/2009/470/regulation/22/made

Regulation 23 - Information Notices:

http://www.legislation.gov.uk/uksi/2009/470/regulation/23/made

and Regulation 24 - Penalties and Penalty Notices:

http://www.legislation.gov.uk/uksi/2009/470/regulation/24/made

will be the most relevant.

Regards,

Stuart
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beelzebub99
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Thank you very much Stuart, I will look through those. You are probably right, but I'm curious.
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