We believe that we can show that the loans you entered into are irredeemably unenforceable (in other words, the loan should be written off)

Financial Conduct Authority (FCA)
Disclosure of Status and Letter of Compliance

More detailed information about slc-payment-refunds.org and our services that we hope you select to use.

You will not need us to tell you feel let down by the Student Loan process. The government retrospectively changed the payment terms for students after 2012, in maintaining the current payment threshold in the face of stiff opposition. The government also sold off a substantial part of the student debt to commercial enterprise as part of their portfolio. We believe we can eradicate a debt which can be with you for 30 years.

There will be those who never have to repay of course, if their income is below the repayment threshold, but this is a proper progressive tax, just as you start your working career. We believe that we can show that the loans you entered into are irredeemably unenforceable (in other words, the loan should be written off). The SLC are not currently authorised by the FCA. Therefore, they are trading UNLAWFULLY.

If you are a graduate and have made payment through your PAYE scheme, those payment should be repaid to you plus interest.

We hope you will choose our services, we are independent and have very specialised and considerable legal and regulatory experience and will apply our skills, expertise and confirmed ability to challenge the enforceability of loans from the Student Loans Company Ltd. (SLC) and, where needed, to the Financial Ombudsman Service (FOS). The regulatory process is well defined and is backed up by decided legal cases, just as in the well documented cases of PPI mis-selling.

The Financial Services and Markets Act 2000 (FMSA) ensured that the appointed regulator, now the Financial Conduct Authority (FCA), was set up to prevent market excesses and protect consumers, as over the years firms had sought to bypass, evade or otherwise exploit innocent consumers’ naivety to secure enormous financial gains and benefits for themselves. All are aware of the never-ending discovery of Financial Services Markets scams and scandals associated with the banks and most other major market operators.

The ongoing £30 billion plus Payment Protection Insurance scandals are only one aspect of the wrongdoings within the UK’s Financial Services Industry.

Regulators generally levy fines upon firms and rarely order compensation is to be paid to their victims. Consumers are generally left to pursue their financial losses from firms’ misconduct through the courts, which is often very expensive and far beyond their means.

Complaints handling against wrongdoing firms can be unwieldy and difficult, many consumers finding the process daunting. The prejudiced against consumers unfortunately often end up just struggling on living with the consequences of their potentially unenforceable agreements.


Our service will not cost you anything. We will work closely with our Law Panel who will pursue your claim against the Student Loans Company .

If you are a graduate and have made loan repayments, we will seek these or the relevant part of the total amounts paid be returned to you.

FSMA also provides that you are to retain any goods or products you received from any FCA-unregulated Firm. This includes financial incentives of any kind.

Additionally, FSMA directs that any goods, products or the value of the same that has passed to any FCA-unregulated Firm BE returned to you without deduction and plus 8% interest upon the value of the transferred property and products (if now unable to be returned) from the time they were transferred.

All the companies working within The Crashcare Group seek to provide customers with the highest possible levels of regulatory compliance.

Crashcare Group will also make Formal Complaints for and on behalf of you and its customers as a group, should any firm including insurance companies fail to act appropriately and/or in breach of the rules and regulations of the FCA governing their conduct.

The Student Loans Company Ltd has yet to confirm who their Professional Indemnity Insurers are, but upon discovery it may be they are required to make your refunds in the event the Student Loans Company Ltd cannot.

This document explains more about us and the background and the basis upon which we advise you and are instructed by you to represent your best interests in any matters we act for and on your behalf upon.


The Crashcare Group is a trading name of Roland Waters who is authorised and regulated by the Financial Conduct Authority under Firm Reference Number (FRN) 538964. The services you receive are regulated and Crashcare Group is covered by the Financial Services Compensation Scheme (FSCS) in the event the firm is unable to meet its liabilities to clients.

It may be appropriate to refer your matters, with your agreement, to a solicitor who may wish to represent you on a no win-no fee basis. The solicitor’s charges will be detailed separately within the solicitor’s correspondence.

The Financial Conduct Authority is the independent watchdog that regulates financial services within the UK. Crashcare Group operates within the financial services market under the rules and regulations governing the market in which it operates. These ensure the protection of consumers. Crashcare Group’s owner, Mr Roland Waters, is a registered Independent Insurance Intermediary. Crashcare refuses to operate any ‘behind the scene deals’ which prejudice Crashcare Group’s customers and clients’ access to justice or rights to receive agreed compensation when making a lawful, legitimate and properly documented claim against any Firm under which any agreement or contract has been entered into by a client.

For any organisation to be ‘authorised’ by the FCA, it must meet stringent qualifications. Crashcare Group and all authorised firms and individuals authorised by the FCA must maintain certain performance criteria and records in order to remain authorised by the FCA. These requirements are included within the systems and procedures Crashcare Group operates.

The FCA’s and Crashcare’s own procedures require us to give you this document for you to use the information it contains to decide if you feel our services are right for you. You can check the FCA register by visiting their web site at www.fca.org.uk/register. Alternatively, telephone them on 0800 111 6768 (free phone) or 0300 500 8082 from the UK during normal working hours.

Mr Roland Waters trading as Crashcare Group is also Crashcare Group’s Compliance Officer. He is also Fellow of the Institute Paralegals and qualified as a Member of the Institute of the Motor Industry in 1987. He and Crashcare Group are registered with the Information Commissioner’s Offices under the Data Protection Act 1998.

Crashcare Group does not sell, pass, trade or do anything to pass on its customers personal, private and confidential data unlike numerous other Firms handling claims for and on behalf of its customers.
Should we believe any of your data has been passed to others without your authority, we will register a complaint with the Information Commissioner’s Office who is the regulator of the Data Protection Act 1998.

Firms directly authorised by FCA have a documented Complaints procedure, and a copy of ours is available upon request from our offices.