Hi i am new new to this site ,so mite sound that i dont know what i am talking about so bear with me . In feb 2005 i took out a loan for 26500 they then added ppi on it for 3578 so the total of the loan is 30078 over a period of 15 years . since then we have paid the 3years payments only with a couple of problems ,since then this year we have claimed back the ppi which was sold to us by the broker loans.co.uk , but the loan people endeavour personal finance have not sent us a new loan agreement without the ppi and our loan payments havent changed is that rite . I am so sosos confused ,the apr on the loan unregulated credit agreement is 10.9% but since then i have got an annual statement saying that the opening annual interst rate is 11.428 % ,can anyone help me to whether this loan is unenforceable or am i been silly Many Thanks in advence debs xxx