hi davey77, I need some advice please. I have 2 loans with Northern Rock which were taken out 2004 & 2005. Whilst reading some of the post on CAG about what is enforceable or not i did some calculations on mine. Both are fixed interest rates for the duration of the loans, however the amount i pay each month does not calculate properly to he interest rate and the total amount payable shown on the agreement does not match up. Would this be unenforceable. regards annyfog