So what do you suggest? Do I send another letter stating I would like a signed credit agreement or stop paying risk my credit rating and hope that they do not have a signed agreement?

Hiya, Thanks for your reply. My signature is not on the agreement they sent, nor any signatures from any of the Barclays staff. Ive never missed any payments nor have I received any charges during the loan. Many Thanks

Many Thanks for your reply, Ive had a look through but Im not that great at what all the jargon means, could anyone take a look for me?

Attachments now added!!!

Many thanks for your reply, I am just rescanning the doc as a word doc then I should be able to edit and upload with any chance. I hope it is good news as you mentioned, fingers crossed!!!

Hi All, Ive just received a copy of my loan agreement from Barclays and need some advise on what to do next. I have attached the agreement, but they are not in the correct order and there are duplicates of pages, Ive attached them as I have received them!!! With the agreement there is a covering letter stating: ' We are pleased to provide you with a copy of your credit agreement and a financial statement. Sections 77 & 78 of the Consumer Credit Act 1974 (as amended) do not require Barclays Bank to provide you with a signed original form of the credit agreement and in accordance with the Act it is not the policy of Barclays Bank to provide this'. Is the above statement correct? What else do I need to check within the agreement? Many Thanks

I now have the reply from Barclays, but for some reason when I scan it into my computer I cannot open it with any other program to edit my details out!!! Can any one help please? I have it ready to email. Thanks

Hiya, Many Thanks for this, but I think Adrian has left the company. I will send this to head office at 1 Churchill Place. Thanks again

Hi All, Im just getting round to sorting this. Barclays owns one of the debts, do I address it to Head Office or do you guys have a better address? Thanks

Thanks for your replies. Ive been in contact with Credit Issues and they are sending a refund of monies paid to them. Now lets start the ball rolling!!! Im going to need all the help I can get !!! I have 2 credit agreements that Im going to test the water on. Northern Rock and Barclays! So 1st things 1st do I send off a £1 standing order not signed with covering letter!?

Thanks for the BUMP!

Hi All, I hope I have posted in correct section. I have been using Credit Issues Limited to see if they can check if my loan with Northern Rock is unenforceable. They have been looking into this since Sept 2008. Northern Rock started to play fair when asked for info but then started to be awkward when approached about the unenforceable agreement. The person I was dealing with at Credit Issues started to negotiate with Northern Rock about writing off 75% of the remainder of the loan for which Northern Rock apparently agreed to verbally. Then my contact left Crdeit Issues. I chased them several times and I have just received a letter stating that there is nothing else they can do and have passed onto a 3rd party company (forget who). My contact at Credit Issues stated that they were proceeding along the route of the rate stated is not what they are charging. Do you think I should try to do this myself or do you think there is nothing else I can do. Advise would be greatly appreciated. Many Thanks

Hi All, I hope I have posted in correct section. I have been using Credit Issues Limited to see if they can check if my loan with Northern Rock is unenforceable. They have been looking into this since Sept 2008. Northern Rock started to play fair when asked for info but then started to be awkward when approached about the unenforceable agreement. The person I was dealing with at Credit Issues started to negotiate with Northern Rock about writing off 75% of the remainder of the loan for which Northern Rock apparently agreed to verbally. Then my contact left Crdeit Issues. I chased them several times and I have just received a letter stating that there is nothing else they can do and have passed onto a 3rd party company (forget who). My contact at Credit Issues stated that they were proceeding along the route of the rate stated is not what they are charging. Do you think I should try to do this myself or do you think there is nothing else I can do. Advise would be greatly appreciated. Many Thanks

Do you feel that I have a strong complaint or do you feel that I will be wasting my time??

Yes, the guy who put the application together has stated he would provide the info I needed.