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2 different credit agreements for same debt ???

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I posted elsewhere but it came out wrong... trying again...


Friend took out a loan in November 2005 with PPI on it... and signed the credit agreement. The copy of this agreement exisits.


He cancelled the PPI after complaining a month later because he was told at the point of sale that he needed PPI in order to obtain the loan.


The company agreed to cancel the PPI and restructed his repayments... and sent out a new credit agreement which was not signed.


Where does he stand with this?

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