Sadly, Sarah, I believe you are right that no single student will get anywhere, ultimately, with the Institute on their own (but I'd still recommend students follow the steps outlined by
@StudentActuary_02 @almost_there and others in this thread). I think that real significant change in the system will only happen if students bandy together and become actively involved in
greater collective action and take steps to fight for greater transparency in the system.
Such steps could involve organised nationwide strikes by students across the UK, Ireland & any others with students sitting the IFoA exams. The idea of student actuaries striking may seem far-fetched now, but hey, Brexit happened, Trump happened. Expectations of what is normal - out the window. And sure, junior doctors do it.
And as for individual small claims, perhaps through this new collective action, it would be possible to build up a case for a collective action lawsuit, if it were shown that discrepancies in exam system affected a significant number of students.
These things of course wouldn't happen in the immediate future, but once support, awareness and empirical evidence grows over time.
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