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Dispute Letter For Student Loans Template for England and Wales

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Dispute Letter For Student Loans

"I need to draft a Dispute Letter For Student Loans to challenge the interest rate calculation on my postgraduate loan from January 2025, including evidence of incorrect charges and a request for recalculation of the total amount owed."

What is a Dispute Letter For Student Loans?

A Dispute Letter For Student Loans is a crucial document used when challenging aspects of student loan agreements or their administration in England and Wales. It should be used when there are discrepancies in loan amounts, repayment calculations, eligibility decisions, or other significant issues related to student finance. The letter must clearly articulate the nature of the dispute, provide supporting evidence, and specify the desired resolution. This document is particularly important as it creates a formal record of the dispute and may be required for escalation to the Student Loans Company's formal complaints procedure or to external bodies such as the Office of the Independent Adjudicator.

What sections should be included in a Dispute Letter For Student Loans?

1. Personal Information: Student's full name, address, reference numbers, and account details

2. Dispute Summary: Clear, concise statement of the issue being disputed

3. Facts Timeline: Chronological outline of relevant events and communications

4. Legal Basis: Reference to relevant regulations or terms being breached

5. Evidence Reference: List of supporting documents being included

6. Requested Resolution: Clear statement of desired outcome

What sections are optional to include in a Dispute Letter For Student Loans?

1. Previous Communications: Reference to prior attempts to resolve the issue - include when there has been previous correspondence about the dispute

2. Financial Hardship Statement: Details of financial circumstances - include when dispute relates to ability to pay or seeking special consideration

3. Third Party Authorization: Permission for another person to act on student's behalf - include when someone else is handling the dispute

What schedules should be included in a Dispute Letter For Student Loans?

1. Supporting Documents: Copies of relevant correspondence, statements, or other evidence

2. Financial Records: Bank statements, payment records, or income documentation if relevant

3. Medical Evidence: Doctor's notes or medical certificates if dispute relates to health issues

Authors

Alex Denne

Head of Growth (Open Source Law) @ tiktok³ÉÈ˰æ | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

Relevant legal definitions
























Clauses




















Industries

Teaching and Higher Education Act 1998: Primary legislation that provides the framework for student loans and financial support in higher education in England and Wales

Education (Student Loans) Act 1990: Foundational legislation establishing the student loan system and its basic operational principles

Higher Education Act 2004: Legislation governing higher education institutions and student finance arrangements, including fee caps and loan provisions

Education Act 2011: Updates to education law including amendments to student finance and loan arrangements

Consumer Rights Act 2015: Legislation protecting student rights as consumers of educational services, including loan agreements

Limitation Act 1980: Establishes time limits for bringing legal claims, relevant for dispute deadlines

Education (Student Support) Regulations: Secondary legislation detailing specific rules and procedures for student financial support

Student Loans (Repayment) Regulations: Secondary legislation specifying rules and procedures for loan repayment terms and conditions

Consumer Credit Act 1974: May apply to older student loans, providing consumer protection in credit agreements

SLC Procedures and Policies: Internal guidelines and procedures of the Student Loans Company for handling student loans and disputes

OIA Guidelines: Guidelines from the Office of the Independent Adjudicator for handling student complaints and disputes

FOS Guidelines: Financial Ombudsman Service guidelines for resolving financial disputes including student loan matters

UK General Data Protection Regulation: Regulations governing how personal data must be handled in student loan administration and disputes

Data Protection Act 2018: UK legislation implementing and supplementing GDPR requirements for data protection

Administrative Law Principles: Legal principles governing fairness, natural justice, and judicial review in administrative decision-making

Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

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