Thank you for the answers dx100uk.
About the PAP, yes I responded to it from info I read here (thanks!).
Disputed the debt and asked them for all associated docs, interest charges etc. as recommended in a post here somewhere.
Documents were sent to me from Dryden in last 10ish days, which included request for payment by a date this month "if the above [sent documents] clarifies matters"
The sent 'original' agreements are not fully legible (poor microfiche?).
And they now conveniently include sigs signed on behalf of SLC,
which were *not* on identical poor copies sent by