Aim is to return debt to original creditor..but how?

[MayRadish]

Hello

I would like to pay off my university fees. I went off sick and didn't return. I didn't pay my fees for the last term because they seemed unfair.
I have now given up arguing with the university about how much I owe them. I was given some poor advice but it was done by such a kind tutor I can't bear to carry on if it comes back to her.

Basically, my account is with OPus. I want to avoid paying their 20% collection charge. The university are refusing to discuss it with me. Is there anything I can do? Do I just have to pay up? I'm on maternity leave and have some money I can use to clear my debt so I can start budgeting properly. Whats the best thing? Just accept it? Or is there any legal basis for getting the debt back to the university? I know the debt collectors are acting as agents and have not bought the debt.

Thank so much for any advice you can give.

Debs

[jax50]

Re: Aim is to return debt to original creditor..but how?

as no one else has replied i'll have a go. Is Opus the original creditor, the one you took the original 'loan' from for your fees ? If so, you should have a signed agreement with terms and conditions, a schedule that sets out interst charges applicable, default fees and so on.. If they are not, the original creditor will have sold on aor assigned the debt to Opus, so you should have been given a letter advising you of that.

someone else may add comments now your message has been 'bumped'