I was going to fill in the form with my earnings and let the Court decide a repayment, the law is something I know little about, glad CAG is there.

God no!!!

Submitted today because my computer is on the fritz. Will post up their responses.

Erudio have replied, please see letter in PDF.

They say they have sent copies of the original agreements but they are of very low quality.

I can't read the small print beause it's so unclear and on one page (page 8 of the pdf) they have typed in 9.8% APR using a computer,

it really stands out because the rest of the page is illegible and they've also drawn the outline of the box around it.

Are they allowed to do that?

Page 9 in particular is completely illegible.

There is also a letter from the Court (page 10 of the pdf).

There's been no response to the CPR request I sent to Drydens.

Should I ask for better copies of these agreements?

I certainly don't recall agreeing to a 9.8% APR Student Loan.

These don't appear to be true copies of the credit agreements.

These are not legible or "True" representations of the originals,

"True" in the sense of visual accuracy.

Erudio have lumped in a "Generic" Terms and Conditions without showing me the original Terms and Conditions they claim I signed up to!

By giving me such illegible copies are they not falling foul of:

The Consumer Protection from Unfair Trading Regulations 2008

Misleading omissions

6.—(1) A commercial practice is a misleading omission if, in its factual context, taking account of the matters in paragraph (2)—

(a)the commercial practice omits material information,

(b)the commercial practice hides material information,

(Me grasping at straws again) Could this mean they don't have the originals?

The quality of these prints is so bad they look like very old FAX printouts,

then photocopied and in one case at least,

scanned and manipulated on a computer.

student loan agreements and court letter.pdf

You sit on your hands unless you get the n180

I gather those are your sigs ?

Those are my sigs.

The "Generic" agreement doesn't appear to correspond to the pixellated "Originals", in the first Definitions section for instance (top left of the fine print, page 9 on the .pdf) there is a different number of paragraphs in "Definitions": three in the "Original" and four in the supplied "Generic". I can only comment on the general shape of paragraphs. I can't read the wording.

think you are reading it wrong.

what they mean is

here is your signed agree

and the T&C's for that time

there was a major change [probably default notice time or sale]

and the other set are from that time

which under the act is correct.

dx

?

They must supply the original agreements or a good copy thereof.

I can't read these and one of them has been augmented using a computer to strenthen the outline of the APR rate - 9.8 % and the box surrounding it (page 8 of the .pdf). I

don't recall agreeing to an APR so high.

I sent The Student Loan Company a SAR in 2011 and they supplied one signed agreement: three copies of the same agreement.

They were also unreadable.

It didn't include the agreement with 9.8% APR.

well if you know ones a fake keep it up your sleeve. for now

let it run.

dx

I can't make out the year of the fabricated agreement, it must be from 1990 when the rate of inflation was 7%. Student Loan APR was set at the rate of inflation, which wasn't 9.8% in 1990.

Thanks dx, will wait and see.

hows this going...stayed claim I take it?