Here is a template to fill in from Consumer Direct to send to your bank. Consumer Direct - 1 Consumer Credit Act 1974 - Template letter for use when Goods and Services have been bought on credit

I have dug through my paperwork for my financial agreement and this is what I found. The Consumer Credit Act 1974 lays down certain requirements for your protection which should have been complied with when this agreement was made. If they were not, we cannot enforcethis agreement without getting a court order. The Act also gives you a number of rights: 1) You can settle this agreement at any time by giving notice in writing and paying off the amount you owe under the agreement which may be reduced by a rebate. Examples indicating the amount you have to pay appear in the agreement. NO THE JUICY PARTS 2) If you received unsatisfactory goods or services paid for under this agreement you may have the right to sue the supplier, us or both. 3) If the contract is not fulfilled, perhaps because the supplier has gone out of business, you may still be able to sue us. If you would like to know more about your rights under the Act, contact either your local Trading Standards Department or your nearest Citizens Advice Bureau. MISSING PAYMENTS: Missing payments could have severe consequences and make obtaining credit more difficult.