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>> No. 27869 Anonymous
27th December 2018
Thursday 6:53 pm
27869 I thought I'd dropped out
This is a thing, apparently. I don't have a phone, there's no bank where I live, I don't have money, I left the course, and I literally have no idea what I'm supposed to do now. I don't even live at the address listed on the email anymore. I'd been ignoring these emails as spam on the rare occasions I've actually checked my emails this year. This is the first time I've realised what they are. They came with the title "Business World" which if that doesn't sound like a company name thought up by someone for whom English is a second language what does?

Would it actually be a good idea to kill myself this time?

I thought I was turning a corner but I was actually in deeper shit than I've ever been before, only I never even knew it. There just isn't any point, I'm too inept for life on this Earth. I'm massively indebted for a year of education I never even attended.
Expand all images.
>> No. 27870 Anonymous
27th December 2018
Thursday 6:54 pm
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Seriously I might just end it all tonight, depending on the train timetable.
>> No. 27871 Anonymous
27th December 2018
Thursday 7:04 pm
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Speak to citizen's advice, they'll help you write the sort of letter you need to write that tells them in a polite but legally binding manner that you are unable to pay and you're not someone they should put the thumbscrews on for it.

You typically then either get left alone or get away with paying fuck all, but the price is a big dent in the side of your credit score (assuming it was in good shape to begin with).

Everything about that letter is basically indicative of money they know they aren't getting but want to try their hand at getting a bit off you anyway. That's why it says it will be passed to debt collectors- The company washes their hands of it and sells it on to debt collectors. You don't owe the debt collectors a penny because although they bought the right to pester you for the money, you only legally owe the original company the money. Therefore, I've always had a rule when it comes to shit like this: Don't pay, and fuck 'em. Cunts.

The good part is that the law is, remarkably, for the most part on your side. Get to citizen's advice and don't kill yourself.
>> No. 27872 Anonymous
27th December 2018
Thursday 7:16 pm
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>>27871
I may have sent them a fairly nutty email before I read this, but thank you for your advice. I hope the debt collectors don't bother the person who's living where I used to live. Or my parents find out I failed out of uni after two months. Or...

I might kill myself either way, honestly. I'm properly shit at everything.
>> No. 27873 Anonymous
27th December 2018
Thursday 7:23 pm
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You'll be required to pay the tuition fees for all, or part, of the year you're in. Student Finance will assess your financial situation and send you details of both the loan amounts available to you and those you'll have to pay back. How much you'll be charged will depend on when in the academic year you've decided to leave, calculated as follows:

• If you leave in the first term you will be charged 25% of the tuition fees for that academic year.
• If you withdraw in the second term, you'll be charged 50%.
• If you leave in the third term you'll be accountable for 100% of the tuition fees for the year.

Even if you decide to leave halfway through a term, you'll be responsible for the entirety of its fees. You'll be expected to repay the debts you've accumulated in the same way a graduate would - from the April after you leave university, if you're earning at least £21,000.


https://www.prospects.ac.uk/applying-for-university/changing-or-leaving-your-course

Figures released by the Higher Education Statistics Agency (HESA) show that 26,000 students in England who began studying for their first degree in 2015 did not make it beyond the first year.

The figures, which are the most recent available, reveal that in 2015-16 6.4% of home students starting a full-time first degree course in England quit before starting their second year, continuing an upward year-on-year trend from 5.7% in 2011-12.


https://www.theguardian.com/education/2018/mar/08/university-drop-out-rates-uk-rise-third-year

You're not alone, lad. Speak to someone. CAB would be a good start.
>> No. 27874 Anonymous
27th December 2018
Thursday 9:38 pm
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Well, if you have to off yourself do that for a real reason, not for that. The debt collectors cannot do anything to you if you are penniless and without any asset. What are they going to do? Debtors prison are a thing of the past. Nobody can kidnap you and force you to pay a debt via slavery or sex work.

Obviously, expect your credit score to be shot and to be unable to get a job that entails responsibility or handling of money. I do not think that it is a problem right now for you.

>>27871 is talking out of his ass. A debt collection company fully owes the debt. The uni decided that you will be unable to pay, so they gave up and sold the debt to the "Business World" for a fraction of the money owed. "Business World" is making an half assed effort to get the money, but they will probably just give up as soon as they realise how penniless you are. If just 10% of the people contacted shit themselves up and cough up the money, they will be making a profit. They are just hoping that you are part of that 10%
>> No. 27875 Anonymous
27th December 2018
Thursday 10:00 pm
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>>27874
I'm never getting any job. I'm too stupid and easily depressed. Even if I try I'll just be posting another retarded problem of my own making on /emo/ a few months down the line, I'm sick and tired of how played out this has become.
>> No. 27876 Anonymous
27th December 2018
Thursday 10:05 pm
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>>27871

Definitely speak to Citizens Advice. They'll see you right.
>> No. 27887 Anonymous
28th December 2018
Friday 5:34 pm
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>>27874

No I'm not. I was exaggerating, but I told the OP what he needs to know.

I worked for a credit card company once, one of the shit ones who target low-score borrowers. I heard a lot of useful and also horrible things from the collections team. In short, it's all basically a con based on intimidation and the money is made out of thin air in the first place.
>> No. 27888 Anonymous
28th December 2018
Friday 8:58 pm
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If you do decide to off yourself, please contact the Samaritans first: https://www.samaritans.org/ Phone: 116 123

Or Iain Lee, but preferably the Samaritans.
>> No. 27891 Anonymous
29th December 2018
Saturday 1:32 pm
27891 OP
I went to the library to print out my CV and give to a shop owner who had specifically agreed the previous day he would like to see one, but at the library Microsoft One Drive wasn't working. I came home, put the CV on a memory stick and returned to the library. However, it was now 15 minutes before closing time and that's when, unbeknownst to me, the computers shut down automatically.

I'm just so tired of humilating myself like this. Every time I try, I fail. It's like clockwork.
>> No. 27892 Anonymous
29th December 2018
Saturday 1:59 pm
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>>27891

I understand how frustrating and embarrassing this can feel, when things like this are out of your control and you feel like it's your oversight.

But really, this is just logistics. Everyone gets caught out by it. I shudder to think at the sheer amount of my life I've spent struggling to get the simplest stuff done in an under-resourced environment or because of minor technical glitches. Don't take it as a personal failure.

Think about what you can do now. Take out your calendar and pick out the next day you know you're free. If you have the contact details of the employer, drop them an email or a voicemail to say you're still grateful for them agreeing to look at the CV, and that you can drop it in on day X.

Anyone who's lived in the real world for more than five minutes will understand these things happen, and there's an outer limit to what you can expect from normal, sane human beings.

You're being absurdly hard on yourself, or maybe you feel like you've blown an opportunity, but you really haven't.
>> No. 27893 Anonymous
29th December 2018
Saturday 4:12 pm
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>>27892
>Think about what you can do now

This. It's largely down to your mindset. Instead of seeing only problems you need to start seeing solutions and not give up at first setback.
>> No. 27896 Anonymous
16th January 2019
Wednesday 3:07 pm
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I just tried emailing an address that was within their latest email but I was told it doesn't exist. I'm confused. I can't go to the local Citizens Advice because Mum's having an affair with the man who works there. I hate this shit.
>> No. 27897 Anonymous
16th January 2019
Wednesday 3:17 pm
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>>27896
You should probably just move to somewhere less stressful to live, like Scotland or something.
>> No. 27898 Anonymous
16th January 2019
Wednesday 3:56 pm
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>>27896
Go to the next nearest CAB, maybe?
>> No. 27899 Anonymous
16th January 2019
Wednesday 4:02 pm
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>>27898
Yeah, I know, I did once but they were too busy. I'm just being a bum.

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