Hi, Some advice required please. I wrote to these clowns almost 1 year ago requesting a true signed copy of the original agreement I had with MNBA. I have yet to receive it. HL Legal informed me that legal action was iniment, so I wrote & told them of the lack of the signed agreement, thus making the debt unenforceable. I received a letter from Experto, claiming that the original agreement was a tick box made online, rather than a signature, making the debt enforceable. Is this correct ? Many Thanks in advance