Reply to: Student loan repayment on my APN- ??

[DotasScandal]

Not an APN but on a enquiry I had a similar thing - HMRC asking for a student loan payment as part of the determination higher than the outstanding loan.

I just wrote them a letter appealing on the basis that I couldn't owe more than what was outstanding on the student loan and they accepted it and recalculated a new figure based on what I told them. Possibly an easy APN appeal win if that's useful to you? They clearly haven't done appropriate due diligence on what you need to pay. Yet again.

A vast majority of APNs are completely overblown. It is simply HRMC "trying it on" - on an industrial scale.
Good on you for not falling for it.

[bobajob]

Auto generated HMRC nonsense

Has anyone else had this? Have you managed to have this reduced/removed through representation? If so how?

Not an APN but on a enquiry I had a similar thing - HMRC asking for a student loan payment as part of the determination higher than the outstanding loan.

I just wrote them a letter appealing on the basis that I couldn't owe more than what was outstanding on the student loan and they accepted it and recalculated a new figure based on what I told them. Possibly an easy APN appeal win if that's useful to you? They clearly haven't done appropriate due diligence on what you need to pay. Yet again.

[Fred Bloggs]

One has a J1 visa, good for 13 months. He's on a year internship that he hopes will turn to a full time job - we'll see.

One plays pro sport in the USA and his club sorted his visa 8 years ago - he now has a green card.

Another is a "specialist" and has a job from September alternately lecturing and curating a museum.

My daughter is at a Uni that has strong links with the US West Coast community.

Our youngest (nearly 16) has not tested the visa system yet but seems to think that IT types should not have a problem.

So - just good luck really

Wow, fantastic.

[webberg]

One has a J1 visa, good for 13 months. He's on a year internship that he hopes will turn to a full time job - we'll see.

One plays pro sport in the USA and his club sorted his visa 8 years ago - he now has a green card.

Another is a "specialist" and has a job from September alternately lecturing and curating a museum.

My daughter is at a Uni that has strong links with the US West Coast community.

Our youngest (nearly 16) has not tested the visa system yet but seems to think that IT types should not have a problem.

So - just good luck really

[Fred Bloggs]

Graham, my daughter studied one academic year at Texas A&M. How did your children manage to get work visas? My daughter would love to work there but seems she can't get a work visa.

[webberg]

One of my many children has completed his higher education (decent 2:1) and is ..... in the USA.

Another completes his education process this summer and has a job lined up ...... in the USA.

Another is in her first year at Uni and is planning on joining her brother in due course ..... in the USA.

Another is into computers and whatever and sees a career in Silicon Valley calling .... in the USA.

Finally, one actually works for a living .... in the USA.

Says it all really.

[Fred Bloggs]

Well that's what happens when you have 2.1 million Europeans pouring in. Why train young people when employers get qualified cheaper Europeans. We are told that majority of young people want to stay in EU, why when they are being sidelined by cheaper workers...imo there is a definite correlation between those leaving Uni with degrees and only getting Starbucks jobs and the mass movement of Europeans into UK.

i'm not sure I entirely agree but the point is taken. There must be an effect. What I see a lot of is jobs that used to "Draftsman" and were ONC/HNC level are now "Design engineers" and are recruited into by graduates with three or four years experience on about £24k a year. Which is not much more than the "Draftsman" earned in the early 90's. Further more, a project that might have used 20 draffies now uses two or three design engineers on CAD workstations.

[LandRover]

Unfortunately, the current pay scales for graduates not fortunate enough to land a blue chip graduate trainee ship is abysmal. My daughter graduated two years ago with a decent 2:1 BA(Hons) from a good (Russell group) university. She earns a rather pathetic £22k a year. All her mates who are also graduates earn way less than that. The days of getting a decent degree and starting a well paid career are for the most part, sadly gone.

Well that's what happens when you have 2.1 million Europeans pouring in. Why train young people when employers get qualified cheaper Europeans. We are told that majority of young people want to stay in EU, why when they are being sidelined by cheaper workers...imo there is a definite correlation between those leaving Uni with degrees and only getting Starbucks jobs and the mass movement of Europeans into UK.

[DotasScandal]

You say you owe 2K and they are asking for 4K? Could it be interest accrued?

APNs do not include "interest accrued".
Most likely: HMRC trying to "maximize the amount of tax collected", as per their new mission statement.

[webberg]

My (limited) understanding of student loans is that they become repayable once a threshold of taxable salary/income is reached.

If you declared £100 of salary, that's probably below the threshold.

If HMRC now say that the true taxable amount (on no authority except their own) is £100 plus £900 of loans and that is above the threshold, then you become liable to pay back the loan?

I'm old enough to have qualified for a grant but never had one because I never went to Uni. My children all have loans though and I'll probably end up paying them.

If I had not worked in tax for 40 years where the word "fair" is abused pretty much daily, I'd probably be quite upset.

[Fred Bloggs]

Unfortunately, the current pay scales for graduates not fortunate enough to land a blue chip graduate trainee ship is abysmal. My daughter graduated two years ago with a decent 2:1 BA(Hons) from a good (Russell group) university. She earns a rather pathetic £22k a year. All her mates who are also graduates earn way less than that. The days of getting a decent degree and starting a well paid career are for the most part, sadly gone.

[NotAllThere]

Congratulations to both of you for being young enough to have a student loan! Being an old fart myself we got a grant - I still think it's a bloody cheek to make students take out loans then pay them back as on average the country gets its investment back many times over from people who learn complex skills and then spend the next 40 years in work paying higher levels of tax.

Political rant over - I know I'm off topic.

Still off topic. When we got our grants, only 13% of the populace went to university and it was indeed an investment for the government. Nowadays, with 40% going, the r.o.i. is somewhat lower, as is the level of complexity to be mastered. Hence the need to self-fund. Enlarged access to university is all about unemployment figures - at least until after graduation.

[MrMarkyMark]

Congratulations to both of you for being young enough to have a student loan! Being an old fart myself we got a grant - I still think it's a bloody cheek to make students take out loans then pay them back as on average the country gets its investment back many times over from people who learn complex skills and then spend the next 40 years in work paying higher levels of tax.

Political rant over - I know I'm off topic.

I got a grant, also, but had to top it up with a loan.
Paid it back soon after I left, whilst under the salary threshold. At the time it was "enforced" by some dodgy leg breakers based in Glasgow, so that may have been an incentive
I'm 47, so no spring chicken

[handyandy]

Congratulations to both of you for being young enough to have a student loan! Being an old fart myself we got a grant - I still think it's a bloody cheek to make students take out loans then pay them back as on average the country gets its investment back many times over from people who learn complex skills and then spend the next 40 years in work paying higher levels of tax.

Political rant over - I know I'm off topic.

[MrMarkyMark]

I would give them a call then. Hopefully you are a patient sort, as you could be on hold for a while