Hi Just got a update on this one with a good news story , Did a claim via the FSCS and after 5 months had a letter back saying complaint about having no signature upheld and ppi missold , After outstanding balance wiped ( checked via Sar ) had a rebate from FSCS into my account so one happy guy , thanks for all your help and advice !

Hi guys Been reading this forum for a while and advice given is always top notch and I was wondering if anyone can can advise me on a query I have on a debt outstanding from 2005 when I got divorced , I have recently looked at it and decided to check whether or not it was enforceable and any ppi to claim back as I've still got £1200 to pay on it as been paying a small payment of £20.00 a month so it's not statute barred . I contacted WF a week ago by phone (I know lol) but to be fair to see if they had a copy of my agreement to make it enforceable as I was hoping not but my amazement they do have it and sent me a copy within days which I now have. Looking at it I've got ppi to claim which I reckon will wipe out the debt as I know it will go to clear the outstanding balance but looking at the agreement its signed OK by myself but not by welcome so question is I gave A. Will that make it unenforceable in court if not signed should I stop paying ? B. If that's the case would my ppi redress still go back to them anyway? Obviously this was defaulted but dropped of my credit file years ago and hasn't shown for sometime so all clear there Any pointers appreciated.thanks in advance