Great, thank you for your help, I will give this a try and keep you posted.

Hi Scott This was taken out in January 2005. Thanks

Hello, I'm new to the site. After watching the Panorama programme, I decided it was worth asking NatWest (who my loan is with) for my credit agreement. I had my phone call returned the next day by a snotty bank worker telling me I should not call that branch as that was not the branch with which the loan was taken out. I told the lady she was wrong and again requested my credit agreement. A couple of days later the lady calls and tells me the credit agreement could not be located. After reading posts on this site I therefore believe my loan to be unenforcable. Could somebody please advise me what to do next. I do not want to pay solicitors fees. Thanks for any advice. Hotdogs