David,
This is happpening because the firmware on the phone cant upgrade to th firmware on your server. The interesting thing the phone request for a term31.defaults.loads, but this file is a generic file. You will not know which firmware this file is for.
So here is how to resolve this..I guess that the ifrmware on your server (CME/CUCM?) is 9.X. To get the phone to upgrade to that firmware you will need to upgrade to 8.5 first. So you need to download 8.5 firmware on your server and once the phone had upgraded and registred, you can then upgrade to 9.X
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