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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

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Original poster

to have said "Well I suggest you get your facts right" and slammed the phone down

54 replies

Cathycomehome · 07/02/2012 18:18

on a debt collection agency worker?

This is the second time this agency have phoned me to say I owe £900 odd quid for a Student Loan taken out in 2001. I don't. I wasn't a student in 2001 apart from anything else.

I explained this again to the woman who rang tonight. She became very stroppy with me. Eventually she came out with "Well I suggest you make a payment, or I (yes, "I" ??) will take you to court".

OP posts:

GrimwigTheHeadEater · 07/02/2012 19:17

MoreBeta - I hope you tell the loft people you're a troglodyte and see if they persist

Kayzr · 07/02/2012 19:21

My Mum and Step Dad run a business installing solar panals. So whenever they get phone calls from people about PPI or things like that, they try to sell them solar panals.

MoreBeta · 07/02/2012 19:21

Nah, I tell them I'm a tenant (which is true) and therefore I have no intention of upgrading my LLs property for him. Even they can see the logical impossibility of getting any money out of me.

oldraver · 07/02/2012 19:27

MoreBeta.... I had a bit of fun yesterday with an accident call they also 'knew' one of my family had had in the last 2 years. I told hi all about my DS falling off his bike etc. He went though a few questions script where it happened, how, what the injury was (grazed elbow). He then asked what treatment he had had and I told him I kissed it better and put a Mickey Mouse plaster on. He said he had to chat with his manager the line went quiet then they cut me off.

I used to get cross with these calls but occasionally now I just wind them up

Thetokengirl · 07/02/2012 19:27

Student loans came in in the academic year 1990/1991, when I was in my 3rd year. I'm obviously an old git.

Oh, and YANBU

noblegiraffe · 07/02/2012 20:10

It was tuition fees that came in in 1997 not student loans. I started uni in 1996 and got a grant! But the grant wasn't very big so people still got loans to top it up.

earlyonemorning · 07/02/2012 20:12

This reply has been deleted

This has been deleted by MNHQ for personal reasons.

emsyj · 07/02/2012 20:15

Oh I think I am thinking of the cutting of grants - so more people in my year took loans than previously as they cut the grants in half or something .

I had always planned and hoped to wind up a scam caller, but when I got one of those, 'your computer has a virus' calls the other week I went all shy . I just told him I have a Mac so I don't use Windows and can't get viruses and he went away. Missed opportunity, but I'm not clever or witty enough to lead him on properly. I really enjoyed this story here.

eaglewings · 07/02/2012 20:16

Kayzr, thanks for the idea, I'll ask the next caller if they know Jesus as their personal saviour! If they don't then I can talk them through it
That will save them

ellenjames · 07/02/2012 20:41

emsyj loved that link!

Avenged · 07/02/2012 20:47

I had one of those PPI calls. I was about to tell them that I wasn't interested (had never signed for one anyway) when I got some plastic, started scrunching it (to make it sound like a bad line) telling the caller that I couldn't hear them and put the phone down. They rang again and I just told them in a wee old deaf granny voice "You know young man, I remember when I was younger and worked in an office.........". They put the phone down and I never heard from them again.

KittyFane · 07/02/2012 20:47

Agree: tell them politely to take Mr/ Miss/ Mrs Mungai to court.
Then add that you will be glad when they do as they will hopefully stop phoning (the wrong person) you.

suburbophobe · 07/02/2012 20:57

I got a phone call that I'd won money in an American lottery..... WTF?!

Couple of times.

Put the phone down before they would presumably tell me I would have to deposit some to collect

GrittersWifeAndProud · 07/02/2012 21:15

Is it weird that I really really want a bogus phonecall now? So many fantastic wind up ideas on this thread :o

@ the man who's not dead!

Vicky2011 · 07/02/2012 21:20

I had a student loan in 1991-2. I think that was the first year - but hazy memory for reasons you will understand

Freshlettice · 07/02/2012 21:30

We get endless threatening letters from the TV licensing gits addressed to the occupiers at a non-existent address that our house had 40 years ago, so far must have had at least 20, despite returning to sender and less subtle messages like fuck off.
We have always had a current TV licence for the correct address for our house.
I'm hoping that their empty threat of sending the van and man round will eventually materialise so I can laugh in their faces.
I just feel sad for the poor little old ladies that must get really worried when this sort of thing happens.
And I'm a bit that they actually employ people to trawl through out of date addresses to do this.

Freshlettice · 07/02/2012 21:32

On another note, those of us who took out student loans in the 90s had a small print in the contract which says that once you reach 50 the loan is written off. I was 50 last month harhar

DartsAgain · 07/02/2012 21:34

NoOnesGoingToEatYourEyes You'd hope these agencies are checking death certificates before cutting off pensions, etc. I'd be very cross and wouldn't be providing proof of life, I'd be telling them they should have checked proof of death.

Freshlettice · 07/02/2012 21:35

Sorry posted soon soon
Because the bastard DSS docked that loan, which I had to use to pay uni fees, off my single parent benefit at £20 per week, leaving me with £47 per wk for me and 2 DCs. So I have already paid it back.

At least I got a first and a good job though :)

Bewilderedmum · 07/02/2012 21:38

I was a uni student in 1996 (after my nurse training). I had my tuition fees paid, but took out a student loan so's I could buy a banger car to get to uni in (I was 27 at the time, and had a ds1, so needed to drop him off at childcare :o)

I can't remember the exact arragement for repaying my loan - I had to be earning over a certain threshold - but working in research part-time afterwards, that wasn't going to happen any-time soon - so I opted into paying it back, to get it over with straight away.

As I remember, I had a direct debit agreement, and they sent me a statement every month - saying

"Hi! student loans here! Hope you are enjoying your 200 year old 'fiesta'- and best wishes to the man walking in front of it waving the red flag to warn pedestrians - hope the rust sorts itself out soon! Oh btw - Thanks for your monthly £192 and the shirt off your back!" :o

Happy Halycyon days - tuition fees paid though! :o

TalkinPeace2 · 07/02/2012 21:41

"meet you in court - I'll call the national press ; they love cockups like this"

eStellaisaverybadPunk · 07/02/2012 21:43

yeah student loans are deducted at source.Sounds like a scam or possibly a scam-ola.

TalkinPeace2 · 07/02/2012 21:43

NB
Student loans are NOT deducted at source if you are self employed

redpanda13 · 07/02/2012 22:03

Could they be phishing? Lots of debt collection agents ring around people with similar names trying to find out if it is the right person. I had a call from one looking for someone with my first and last name but the middle name was Elizabeth. I do not have a middle name. I said it was not me and they then asked if I had ever lived at an address in Doncaster. I said I had once been on a school trip to York and that was the closest I had ever been to Doncaster.
When I worked in the Jobcentre debt collection agencies were forever trying to trick us into revealing information on clients.
Probably not even Student Loans but a dca that has bought a job lot of defaulted loans.
I had the old style loan between 1991 and 1995. It topped up my grant while it was gradually introduced. It is not deducted at source.

eStellaisaverybadPunk · 11/02/2012 16:14

Err obviously talkin

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