Hi all, I've been reading through a quite a few threads on the site (there are quite a lot now!) for the last couple of weeks and they've really helped me understand whats going on. Not everytihng in the others threads is entirely relavent to me. I've tried compiling a few bits of advice but I'm worried I'm still missing some info. (In fact it would be really cool if somebody could compile all the links and main points on Erudio) Some basic background on me. I'm currently living and working in France. My first loans was in 1997 (mortgage style loans) I've deferred for at least 7 years (prior to that I made some payments for 2 years) I can legally still defer (I earn a pittance) [*]I have around 5500 GBP to pay back Like everyone else, I recently had the pleasure of being contacted by Erudio, telling me that they had bought my loan and that they would send me a deferral form. I recieved their deferral form and was not a big fan of the changes they've made, particularly that they "require" more information than the old deferral forms. . From reading the other threads what I get is: (but I'd appreciate it if somebody could confirm or deny what I'm saying) They're trying to changes the TC's of the original loan - though they don't have the right (as they're not the original lender), unless maybe I sign the new deferral form and send it back ? I can delay them by askig for a CCA, but not sure how this will really help me in the end? I'm guessing that since I've consistently deferred my loan over the last 7+ years I can't claim statute barred, as effectively I've acknowledged the debt by deferring? I could potentially ignore their requests and hope they don't find me for 6 years, but They would say I defaulted ? (On my CR?) And demand I repay in full? Could they actually enforce this and how ? [*]They could potentially send agents after me to recover the money? Would they actually do this? [*]They could screw with my credit rating and generally make life difficult for me if I return to the UK. What happens if I stay in France? Frankly I'm trying to decide what to do... I could legally just defer.. but I'm annoyed by the changes in the T&C's. And I'm tempted just to tell them where they can stick their forms. I've seen on other threads that people have said I don't have to use their forms or provide all the information they're requesting? So what I'd like to know is, can anyone tell me exactly what information I am legally obliged to give them? Does anyone have a copy of the original mortage style T&C's I could look at ? or a scan of the origial deferral forms? For that matter if anyone could scan a blank copy of the new deferral forms that could be useful, as I started scrawling on mine before I realised what I was doing! What happens when I send back the deferral form/ information that I'm legally required to, and they then refuse my deferal, because I haven't given them all the information they asked for? What can they do and what can I do to stop them ? Any advice would be welcome!