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my agreement is unenforceable because it doesnt contain all of the prescribed terms.

 

However, £25k loaned over the period surely would be wrong if you have another £2985 added to it.

 

What I am trying to say is that surely, £25k over say 121 months at x% rate is NOT the same as £27985 over 121 months at the same % rate.

 

It cant be?

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This might help explain. Sorry I can't help further.

 

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