Hi all i have been reading through all the post and have found some really good information but i was wondering if any one can offer me some advice. I took out a £2000. loan with WF back in Feb 04 and i was paying £161. p/m for 2 years. I cant remember what insurances i had tho. During the course of the 2 years i missed 5 payments in total. Around the time that i should of finished paying my loan i had a call to advise me that as i had arrears on my account i would need to call into my local office to sign additional paperwork to stop my account being passed over to credtors and i only had a few days to do this. I went into my local branch and signed the paperwork but what i was actually signing for was a top up loan (I didnt know this at the time as im not good at reading things and was in a rush) and it now means i am paying £34.00 p/m for 5 yrs. Is there anything i can do about this as i have misplace both contracts that i signed due to moving house. Any help or advice would be appreciated. Oh on another note have just received a letter from them stating they are putting up their charges from £20 to £25 and any statements we request will be £10. as they will provide an annual one. Think they are trying to get more money!!