hi the bank did not have the original, or true copy of, the orignal agreement, and are unable to produce, nor have they within the time scale. they finally replied and admitted they do not have it, but still want me to pay it off! pay what off? the debt does not exisit and never did? therefore, i have been paying about £350 a month for the last 5 years to something that does nto exist...so i presume i can claim this money back considering the 'loan' did not exisit'??????