Paragon - No CCA

From my various phone calls with Paragon it has become apparent they don't have the original Consumer Credit Agreement from Universal Credit, instead the version they sent me last year is a made up copy of the terms and conditions. This is of course totally unenforceable.

I also came across some interesting reading on the internet -

http://tinyurl.com/lf8x3t

This seems to suggest Paragon are fully aware that many Universal Credit CCA's are non enforceable.