Hello dx, "they are not harming you." Fair do's. Though their release didn't really help me either. Where I am now is squeezing down the rabbit hole to look beyond the initial CCA side of things to question whether documents like these aid in a debt becoming enforceable or not? As they are certainly not an exact copy of the original executed agreement, my answer would currently be 'nope'. Would your answer be the same?

To admin - as the attached scans haven't been referred to since being uploaded, I respectfully ask that they be removed from the thread (it appears I cannot do so myself?). Many thanks.

The pigeon should be delivering them right about now. Must not have attached correctly the first time. Sorry!

Thanks to all for current input. dx: attachment added... pdf of a cca from 93, one from 94, plus a reconstituted agreement. Naturally, in any "official use only" boxes, their is no official use. So i'll assume that makes these unofficial?!

Hello dx, "they need YOUR SIGNED agreement." Just to clarify, what i've been sent are reconstituted agreements, but also printouts of microfiched copies (or seemingly so) of the original signed agreements (the copies supposedly signed by me only, not the original creditor). Now, does that lend itself more to "they haven't actually got the originals, and that's the best they can do" or are those copies enough in themselves? (Bearing in mind that they are fairly low res and could in theory be be doctored, as opposed to having originals). fkofilee (thanks for your input): "Erudio's new agreements highly favour them and not you." Hopefully only if you sign yourself away to them - I have no intention of doing so. What I do want to determine though is the limit of their powers under the original, transferred terms. Are those powers in line with a standard DCA, or have they been granted 'special' super-villain powers in the deal done with the devi...err...I mean the government...

Hello there, Earlier this year I made a CCA request (about 6 weeks before deferment was due) regarding loans after their sale from SLC to erudio. Over six months later some relevent documents have finally been sent (copies from microfiche plus reconstituted agreements - albeit with daft spelling errors!). Next step is to provide deferment information based on the original agreement (in other words not via signing their form). So, can you give me any advice on the following: 1) At the time the CCA should have been complied with (12+2) I had over a month to continue deferring. Since then I've been sent the usual dim-witted demands for monthly payment that has now built up arrears. My thinking is that this should not be the case and I'm still 'owed' the deferral time lost due to their non-compliance? (as account was 'in dispute'.) So, how best to word my response to this situation? 2) What's the current situation with Erudio's known 'powers' as the new owners of the loans? Have they been 'grandfathered' or 'sneaked' in anything above a debt-collector's abilities? Should push come to shove, are they able to take debtors to court? I don't wish to end up down that road, but - to put it bluntly - this whole situation has certainly tweaked my outlook from one of "thank you for the loan opportunity, it's certainly helped me out and I have no hesitation in paying back in full what I chose to borrow" to one that's closer to go away Thank you for any advice offered.

Hello all, Sent separate CCA requests (recorded delivery, have sigs) for separate pre-1998 loans bought by Erudio, and no response in the 12+2. Haven't yet deferred, though will easily qualify, but the deferral period is up in next few days. Having read through all the recent related threads, I'm still not 100% sure on what's best to do (or not) next: Do I... 1) Wait until they contact me [in writing] - whether that be to respond to the CCA requests, or to tell me I am not deferred and need to start paying - and then take it from there? 2) Send in the deferral form now (minus the info I'm not prepared to provide)? 3) Something else entirely. My main concern for taking option (1): should the CCA requests be successfully answered, am I given suitable extra time to defer (from a legal standpoint, or due to account being in 'dispute') and if so, how long? The concern for option (2): acknowledging the debt (via deferral info) before they've provided proof of its existence via the CCA requests. Any advice much appreciated.