The loan agreement that I was sent from nat west was hand written on the front page, which all seemed fine, however when I looked at the signature page, it was clear that this had been scanned. Where I had signed was half a signature and further signature - clearly scanned. Most disturbing was the employee signature was the same one that had signed the statements that were requested...plus they had added £3000 for a loan insurance that I had never requested, or even spoken about, in other words the amount I was told to pay per month included this insurance, although I was never told this. I thought I was signing for £11000, but in fact it was £14000 - mis-selling or what. I have consulted with a soloicitor, who informs me that I have a good case......to date no further responses from Nat West, or Cap quest.

I too have a recreated nat west agreement which I sent back to cms in telford, they told me they would respond in 10 days. I received another letter 2 days later saying they had sent my complaint to a higher authority and would respond in 5 days..........still waiting. Watch this space! They sold my debt to Cap Quest and I asked them for a deed of assignment, they sent me a covering letter saying it was a deed of assignment. Do they think we are all stupid?