Hi, I'm new to the forum and only came upon the forum in the past couple of days whilst doing some research following a bit of a revelation regarding my current car finance. I've recently been looking to change my car and have done the rounds of a few dealers looking for something I wanted and the best deal I could get. To cut a long story short I've discovered that my agreement is more than likely unregulated which came as a bit of a shock as I didn't realise such a thing existed until yesterday! I was introduced to the finance company - Clydesdale Bank Asset Finance - by a broker. At no point during the setting up of the agreement did anybody mention that it would be unregulated (I don't have sight of the documents at the moment as I'm away from home, but based upon the fact that the total amount payable was around £50k, and the agreement was set up in March 2008:-x, I'm assuming that it's unregulated). Now you may say that I should have noticed when reading the documentation that it said unregulated somewhere, but assuming it is unregulated, I'm afraid this wouldn't have been something I was necessarily looking for as I've had many agreements in the past when purchasing cars and I can't say I've ever noticed if the agreement has been regulated or unregulated, and if I had I wouldn't have known that it referred to the CCA anyway. Hindsight is a wonderful thing, as the saying goes. Anyway as I am now aware of this I can ensure that any future agreement is a regulated agreement. Now to the main point of this thread - bearing in mind that I haven't looked at the documents for probably 18 months and could be incorrect - assuming that I was never informed that this was an unregulated agreement, and was ignorant to the fact that such a thing exists, do I have any recourse against the finance company and/or the broker for not being transparent when arranging the agreement? I should emphasise that I am not in any financial difficulty, I am just annoyed to have got myself into such an agreement out of ignorance, but I'm sure I'm not the only person who has done this, certainly judging by the number of posts I have read over the past couple of days from people in a very similar position. Thanks.