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 erudeo a few years back after a CCA request!
yes I would have been able to defer each year since the buyout.
The first year I didn't after being told by phone that the old form was unacceptable
- and I had no intention of signing theirs.
I chose to dispute the debt (and not respond to them at all plus only in writing until the PAP) for 4ish years since.
when you mention "if you've not earned over the threshold since then, I wouldn't panic about owing anything anyway"
- is back dated deferment because of their wrong doings something I should pursue now?
Or wait until push comes to shove?
Thanks again for your help
