# STUDENT LOAN REPAYMENT DISPUTE
Date: 3 September 2034
Parties: Owen Price and the Student Loans Company
## 1. Purpose and parties
Owen Price disputes the Student Loans Company statement dated 20 August 2034 for repayment account SLC-7F29-18, and writes on 3 September 2034. The statement shows £1,140 of Plan 2 deductions as unpaid for the tax year ending 5 April 2034 and adds £95 interest.
## 2. Facts, scope and terms
Owen's employer, Bright Vale Analytics Ltd, deducted £95 each month from April 2033 through March 2034, twelve deductions totalling £1,140. The payroll summaries and payslips show the deductions as student-loan repayments and confirm they were sent with PAYE submissions.
## 3. Process and responsibilities
HMRC's coding notice moved Owen's repayment threshold calculation in October, but it did not cancel the deductions. His bank statements show the net salary after each deduction, and Bright Vale's payroll manager says the employer's payment file was accepted on 19 April 2034.
## 4. Evidence, records and safeguards
Owen asks the company to reconcile its account with the employer and HMRC records, identify the period and plan used, and explain the £95 interest calculation. He asks that collection activity and adverse reporting about the disputed sum be paused while the records are checked.
## 5. Review, escalation and outcome
Owen accepts that a lawful balance may remain after reconciliation and will pay an amount properly evidenced. He does not accept double recovery of the £1,140 already deducted, nor does this letter ask the company to erase a genuine loan or alter an assessment made by HMRC.
## 6. Reservations and practical protections
Attached are the annual statement, twelve payslips, employer payroll confirmation, coding notice and relevant bank pages. Owen authorises Bright Vale to confirm deduction and remittance dates, but asks that personal data be exchanged only for verification and handled in accordance with applicable data-protection duties.
## 7. England and Wales law and completion
This completed fictional dispute is dated 3 September 2034 and is not legal or tax advice. Owen will use the complaint and review route stated by the Student Loans Company, keep making any correctly notified deductions, and provide a current address so future notices reach him.