Thank you I will do this and get back to you. Yes I did wonder about that also I have never had any statements from them since they got a charge against my property. They also got the charge for the loan and full amount of interest even though the loan was only one year old.

Hi I have the same agreement with Northern Rock. I wrote to them about no cancellation rights but they told me it was not necessary to be included in the agreement. They said I would have been sent this information before but I don't remember getting anything. Also the money was paid to me during the cooling off period which seems strange if they were aware I could cancel. I would like to know what others think about this too. Thanks

Hi I too have an unsecured loan with Northern Rock with the same form of contract I got the loan over the internet. I contacted them about this and got a letter from Wallers Solicitors. They said that the cancellation rights don't have to be on the contract and that they gave me the necessary information before in a welcome pack. I don't remember receiving this. Can anyone offer some more advice as to whether this is in fact the case? Many thanks

Hi Thanks for your reply I was wondering what law it was that you included in your letter? As I think if I remember from the thread that the template had to be changed. I think it was the 2004 financial services distance selling regulations? I just wondered if anyone could comment on this regulation and if loans don't comply they are unenforceable or can be enforced by a court? I have already had trouble with Northern Rock so I think I will also have a try at writing them a letter and see what happens. I also noticed that the credit agreement I have isn't signed at all by me so I will also be referring to this in my letter.

Hi Just wondered what happens if an agreement was made at a distance signed at home. I took out a loan with Northern Rock and was not given the right to cancel as I signed the agreement at home. I just wondered if this is unenforceable under the 2004 regulations that cover financial services or if it is enforceable with a court order? Thanks

I also have a Norther Rock loan and they did the same to me. They got a judgement against me when I was away from home and claimed the whole amount including interest on a 10 year loan after only 1 year.

Hi I would be interested to see what response you get. I also have a Northern Rock loan that I made online. My loan agreement is exactly the same as yours no cancellation period. The only thing is what if they sent a letter about the cancellation period before signing the loan agreement? I can't quite remember but I think they might have posted a letter referring to a right to cancel. How might this change things even if it isn't on the loan agreement? I'm pretty sure though if they did it was before they signed but I can't remember. If I write to them and now cancel my agreement is there any regulations that say I have to repay some of the loan I have had or is it unenforceable? I have had such problems with Northern Rock they managed to get a court order against me for the whole amount plus interest on a 10 year loan after only one year of interest and some payments being made. Any comments would be greatly appreciated.