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STA International, threatening legal action / CCJ in 14 days

farah_doe asked:

The debt in question is £562 for a module of my University course which I had to retake last year, at the time I did not know the cost was so much as I was being paid in full by student finance.

I have now graduated University and these guys have been chasing me with letters phone calls etc for the full amount which I currently do not have.

As of yesterday, I received a letter instructing me that I have 14 days to pay the full amount or they will be instructing a solicitor, now I’m not sure if it’s too late to start the three letter process?

The worst thing for me would be to get a black mark against my name via a CCJ, it’s important to note that STA is acting on behalf of the University of have bought the debt from them, my University has not directly contacted me.

Any help would be greatly appreciated, thanks a lot.

Farah

williams2583 replied:

university fees are a different kettle of fish than cc or loan debt and are easier to prove as they will most likely have some agreement to hand (as its quite new).I think you will have to pay one way or the other,the question is do you go for delaying tactics which might buy you 2-3 months are contact the dc and settle.Its your choice and if you don’t have the cash then you might be able to agree a monthly settlement.

Tiggy replied:

Have they bought it or are they acting on behalf of ?

TBH as this is a recent debt which isn’t subject to the provisions of the Consumer Credit Act and if they’re working direct for the University (Ie hasn’t been assigned), I think you stand very little chance of being able to defend against this, so your best bet may be offering a lower amount (50%) payable by instalments.

Tiggy replied:

Great minds Williams 🙂

williams2583 replied:

Think together !!!!!!! 😀 😀

farah_doe replied:

Thanks for the reply both!

STA’s words were that they are managing the debt for the University.

It’s not actually my tuition fees or student loan as they have been paid student finance England, which I am gradually paying back out of my income. It’s a specific fee for one module that had to be retaken.

Thank you,
Farah

1saberwow replied:

Would it come under the cca 74 if you used your cc to pay ❓

williams2583 replied:

STA normally act just as agents ,so they don’t have any rights.The debt remains with the university so this will give you some time if you require it as only the debt holder can take legal action so you could ignore for the moment.

farah_doe replied:

This is interesting!

So I should just wait for the University to contact me directly and diregard STA, even though they have threatened with a CCJ if no response withing 14 days?

Thank you,
Farah

williams2583 replied:

the 14 days is just a tactic to get you to pay and not only that but it is illegal to threaten ccj,s particularly as they are agents as only the debt holder can take you to court .We have seen STA quite a lot so worth searching on the site for other posts.I believe you can keep them at bay for a while but eventually will have to settle directly.