Hello again I have just been checking my agreement. It is a photocopy that has been sent to me, but isnt signed. Although I did sign the original (was three years ago) so I need to ask for a copy to make sure they have it. I have also been checking the following: The rate of interest is shown Number of instalments is shown Total amount repayable is shown Amount of credit borrowed is shown The agreement does state correctly how I will make repayments There are not any specific dates specified on the agreement, it just states that it will start three months after the loan was agreed. From this I feel I may have a case for being unenforceable? I also need to check they have a signed copy? What do you think if you dont mind giving me some more advice? thanks Ray

thanks appreciate the advice, will be back im sure

I have been contacted by a company called stepaway.org.uk who say they are a company that specialises in squashing unenforceable credit agreements (loans, credit cards etc) Has anyone had any experience of any of these sorts of companies? or even this specific company? I understand why my agreement may not be enforceable but was just wanting some advice? Should I use a company such as this or is it easier to check this out myself? I have checked their website and it looks OK but you never can tell please help