we have an outstanding loan with RBSicon and no credit agreement. The bank have confirmed they are unable to find the agreement.

I would appreciate any advice on what to do next as the ac**** is in arrears and I have until the 10 May to respond.

Also, I have made previous complaints to the bank re irresponsible lending which were ignored. I recently received SARicon and believe that some documents would support what I have said.

Any advice?

Thanks in advance