I have a legal question about a loan. United Kingdom,

Hello and thank you for your question. My name is ***** ***** I will be very pleased to assist you. I'm a practising lawyer in England with over 15 years’ experience. Please be aware that although I will endeavour to reply to you promptly, I am also in full time private practice and so I may not be available to respond immediately and it may also take me a few minutes to prepare a reply. The site will notify you as soon as I respond. I look forward to working with you to answer your question fully.

how may I assist in relation to the above please?

1. thank you. For the avoidance of doubt, this relates to an overpayment made to you by the student loans company - i.e. where they made an additional payment in excess of the loan agreement agreed with you as opposed to an overpayment you made to repay the loan?
2. if so, did you not notice the overpayment that was made?

Were these amounts paid to you in to your account or to your university?

thank you. So why for example could you not have taken a decision to repay the overpayment received into your account as you would presumably have had access to the amount based on your bank account statement?

thank you. This was the issue that you were something not aware that an overpayment had been made or that you knew one had been made but did not know the amount and had no way of confirming the amount based on the loan documentation you held?

I do not say the above to be negative but simply for the purposes of managing expectations and as a forewarning for arguments that may be raised if you choose to pursue a complaint.

However the above being said it is equallyplain that SLC failed in their administration on the loan and their failure you can certainly argue has added to costs if you can reasonably demonstrate you would have repaid an overpayment and had the means to do so. According whilst there is likely to be a difficulty in terms of a dispute in the main as above there is potential scope to at least limit the amount of interest charged if not remove it altogether to take account of the failure on the part of SLC.

You can find details of the complaints process here and who to escalate it to if you remain dissatisfied.

https://www.gov.uk/government/organisations/student-loans-company/about/complaints-procedure

I hope the above is of some assistance but if you have any further questions, please revert to me.

I trust the above was of assistance and that you do not have any follow up questions for now. If there is anything else I can help with please reply back to me though.