I got fucked by them in many ways - I finished paying my loan via salary deductions about 8 years ago and then got a letter saying i owed them more dosh but not how much..... called them and they told me 1 pence!!! I offered to pay over the phone but "we only take card payments over £5 sir", "so refund me £4.99 then", "Oh no, we only refund over £5"
At which point i told them to give me a postal address and i'd post them a penny - "no sir we can't accept cash"
Eventually the lady agreed to clear the "debt", I asked in very clear and specific language if i owed any further money on any other loans and gave them full details of time i was at uni, courses studied etc etc and was told " no there are no outstanding loans to be repayed"
Left it at that, or so i though......
Coupla years ago i opened my wave slip to find it £154 lighter as they'd started deducting again...... immediately phoned them and asked about it hoping it was all a mistake due to the above converstaion i'd had 5 years previous.
"Oh that was right sir but this loan is one of the mortgage style ones and was on a different system to your income repayment one and they had no access to that system......"
Then they moaned they couldn't contact me to seek repayment of the loan they had failed to tell me about, when i complained about this, i told the lady that as i'd been told there were no outstanding loans to be repaid they had no right to know my location and that is why i didn't inform them every time i moved house.
Ended up paying for a further 2 years and then called up in may as figured it would be just about done, was right - lady told me i had an outstanding balance of £140 and as i was paying £154 month they would owe me money......
Had a statement a couple of weeks afterwards and they reckon i owe them £10 something - far as i'm concerned they can go and feck emselves - bstards.