That doesn't really help at all does it. I'll see if I can improve on that.

Sorry guys, I know its not a brilliant copy but it's all I have right now.

Thanks Cerberusalert. I'll get it done asap

The copy that I have is very small but I will be happy to to that if I can work out how Dadofholly.

Hello All I have a Welcome Finance CCA which for one reason or another has been bought by MKRR. I CCA'd them last September, and they have sent me a copy of the front page of the agreement with no T&Cs, but the thing that is puzzling me is the figures stated on the agreement. They are as follows: Total amount of credit = 2945.43 Payment over 65 months APR = 20.80% AIR = 19.6% Total charge for credit = 1805.93 Monthly Payment = 73.07 Made up of Acceptance fee = 75.00 Interest Charge = 1728.93 All well and good, and I am no accountant, but I have work this out on several online loan calculators and got the same amount on each of them, which is different to that on the CCA. They are: Total amount of credit = 2945.43 Payment over 65 months AIR = 19.6% Monthly Payment 73.88 Total Repayable = 4802.43 There is also no total repayable on the credit agreement. My question is, is this CCA enforceable? I was under the impression that the figures given should be correct. Please help Total charge for cretid = 1857.00

Hi In my experience, Excel are just puppets for Lloyds TSB. What was the debt for? The reason I ask is that all Excel will offer is to turn it into a loan with 'one easy payment'. I wouldn't worry too much, they can't come to your house without your permission, and if they do, just tell them to go away and all dealings should be in writing only. When Excel first contacted me, the letter said that their representative had called but no one was in. This note was in an envelope, stamped, and franked. They're not too clever but it sounds as though you're at the early stages. You will probably hear from Westcot soon.