thanks Chesham, On the document I signed there is a box saying terms and conditions recieved which is unchecked, could I use this to wrangle? I know it's only another 28 quid on top of what I agreed to pay but it's the principle really that gets me.

I recieved a letter from Esporta Gyms informing me they were increasing the cost of my gym membership by £3 a month from january. On the membership application that I signed there is no mention that they can do this, rather the agreed annual ammount I signed up to broken down into monthly direct debits. I have studied the terms and conditions (which I did not sign) and there is a clause that says fees are reviewed periodically and they can raise them if they see fit, I did not sign these terms and conditions. Can my Gym do this? It doesn't seem correct to me! Grateful for any advice.

Cheers Ida, I'm not struggling as such but just thought I'd see if I could legitimately rid myself of a couple of loans.

Curse them. Fingers crossed my Virgin agreement will not be so enforceable when & if it comes, 2 weeks now...

Hi, I accessed my EGG loan agreement, which was 'signed' on-line. I've checked it over and it seems pretty water tight. Am I missing anything? Any advice appreciated.

great, thanks.

Thanks connif. If the loan still exists and I refuse to pay it c/o no loan agreement, would this not affect my credit record?

Sorry if this is the wrong area to post this query. I have heard that if my loan provider cannot produce an original signed copy of the loan agreement I can have it written off, is there any truth to this? Thanks.