This query is really about financial law, putting it firmly in the middle of two forums in this section of the site. Since the money bit is the most important, I'm sticking it in Finance! Here we go... I've been expecting to pay off my Student Loan for quite some time now. This fact was reiterated to me by my financial advisor and family friend while he's been helping me with a mortgage renewal. The Student Loans Company have still been taking payments, though, and I've simply been waiting for them to stop (and send me this year's statement). Luckily for me, during a bit of a loft clearout, I came across last years statement. The numbers on there, combined with my knowledge of what I'd been paying over the last year, set some alarms ringing. I also noticed a loose page in with the statement saying "You've nearly paid your loan off. If you'd like to reduce the risk of overpayment, you may wish to move to Direct Debit rather than PAYE." Evidently, at the time, I was naive enough to think they could do their jobs properly. End result is that the SLC owe me just shy of a grand. I'm weeks away from my honeymoon and money like that would come in very handy. I also get the impression that this is something they tend to do a lot, and aren't particularly bothered about cleaning their act up because of all the extra interest they can earn. In fact it wouldn't surprise me if some people even more dense than I didn't realise enough to claim their reimbursement! I'm in the process of preparing a cover letter to go with all my documented proof of recent payments. In it, I want to say to them "I'm not going to kick off, providing you hurry up and give me back my money. If you arse me around, however, I'm going to cause you as much grief as I possibly can". My question is this: How much grief can I cause?! Continuing to take automated payments from a customer who has no debt to you strikes me as immoral at best and illegal at worst. Surely there is something in lending regulations that covers this? I'd like to know where the law, or at least their industry code of ethics, is on my side. The aim is to put enough key phrases into my nicely-worded snottogram to hurry them up. Any suggestions? Finally, given all this, what are my chances of seeing the cash within a month? Assuming all the paperwork reaches them in a week, it's pretty clear cut that they should pay up. Any delay in releasing a cheque or whatever after that strikes me as unnecessary bureaucracy to drag it out a bit longer. Do I have much chance of avoiding this by using the aforementioned well-informed snottogram?Once again I look to the collective power of ARRSE for guidance. I thank you in advance. P.S. Don't ask me how I managed to let them get this far with my cash!