Hi all!
I'll try to make this short 😁
I graduated in 2007 with quite a hefty student loan due to my circumstances (single mum, poor parents, studied in London etc) and was paying it off faithfully no problems.
Fast forward some years and I met my (now) DH and I ended up leaving work and living in a different country with him ... didn't work.
We are now married and living back in England for the past year and I'm still not working. Fab! Quite enjoying being a housewife to be honest
However, I've started to get letters from the student loans company asking me to confirm I'm not in employment - fine, did this.
Now they want to know who is supporting me financially (DH, fine) and also demanding bank statements. This bit I'm confused about.... we have a joint bank account and the only money going in is his wages.
as far as I know it's my student loan and I'm not working (yet, I will be job searching soon) and therefore it's irrelevant to know how much DH is earning. Am I right? The loan won't go into his name will it??
They also want to know how much money he gives me each month, but it's not that straightforward, he doesn't give me anything, I just use what I need to buy food etc and all the bills are in his name.
If they see a statement they can't determine what is spent by who and as DH is a high earner I'm feeling quite uneasy about this?!
Can I just make clear, I'm not looking to cheat the system at all. I'm planning on going back to work soon and therefore paying the loan back by myself, I just don't know if they are entitled to demand bank statements - did I sign up for that?! They know from checking my NI number that I'm not earning!
I also don't want DH to then be passed the responsibility to repay it until I'm earning, that's not fair in my opinion.
Anyone ever been in a similar position?? Or have any advice?
Sorry I was trying to keep this short but clearly failed... thanks if you got this far 