When I graduated and started earning above the threshold I waited for about 3 months expecting payments to start coming out. Nothing, so I did the stupid thing and called them because I was young and needlessly worried that I could get in trouble.
I explained the situation and the pleb on the phone said ” It’s due to start coming out shortly, we have all you details, there might just be a backlog”. Waited a further 12 months with still nothing coming out of my earnings for SL. So, contacted them again and got told exactly the same thing.
I was getting three-monthy statements and watching the interest accumulate on my loan with not a penny being paid off it and quickly decided to just forget about it. They know where I am, they know that I am earning above the threshold (because I told them).
10 years later still not a penny has been taken off me. So sod it. They can bury me with my last statement for all I care.