NRAM/Marlin, unsecured loan

[flooz]

Wow, it's a long time since I've been here, but now I must post, as I need some advice please.

 

I'll try to be brief.

 

Some years ago, OH and I went down the SAR route for a copy of an agreement on a northern rock loan.

 

As far as I recall, the agreement was deemed 'unenforceable' as there was no cancellation clause within the body of the agreement,

and the loan was arranged by internet/phone.

 

Major change of personal circumstances, resulted in payments of £10 per month being made,

rather than get into yet another 'agreement is unenforceable row' with NR.

 

Marlin have now purchased the debt, so the SAR was re-started with them.

Of course, the same agreement has been received without any cancellation clause.

 

I'm now obviously looking for the best way forward.

 

When Northern Rock became NRAM, there was a point when a full and final offer was made to them,

after an offer of financial help from a family member,

which they declined (not sure if that's relevant).

 

Ill health and unemployment means it is unlikely that our financial situation will improve (unless a lottery win happens).

 

I'm very out of touch with what's happened over the years, test cases, etc.

and would be very grateful if someone could point me in the right direction of what to do now, please.

 

Many thanks

[dx100uk]

I take you mean CCA

 

dx

[flooz]

I take you mean CCA

 

dx

 

I guess so. Went through some of the other threads and picked up that an 'unenforceable' test case failed, as well as the moral issues (which we've always been aware of).