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Credit agreement?

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Not really sure how to explain this.

I decided to get a laptop on buy now pay in 6 months. I didn’t expect a problem with the credit check, as my student loan had been approved days before this, but when I got to the counter and went through I was rejected. The salesman was very eager to get it through, and convinced my girlfriend to use her credit to get the credit check, but assured me it will still be under my name (yes, I know now that is nonsense).


I have just recently found the paperwork they gave me and looked at it properly and there are a few anomalies in it. For one, the credit agreement has no signature by anyone. As well as this, on the application part of the paperwork, the salesman lied about a few things. There is a tick box asking if the person applying is in full time paid work (she wasn’t) and it is ticked. In the work details, it says she has been working 2 years. She was a student on an unpaid placement with a museum, and had been there for 2 months. He was fully aware of all these facts when he filled the form in (he did it all on the computer there). We also were not made aware that we were applying for a credit card at the time (sounds stupid to say it now, but we really didn’t know), it was a genuine surprise when it came through. I’ve tried ringing Santander, but get through to India every time and they don’t answer anything. I even got someone from my bank to ring on my behalf but they quickly hung up annoyed after realising the call centre staff had no idea of even simple legal matters.


How can I proceed? Do I have a case against it being totally mis-sold with the lies etc, or look at the agreement as being unenforceable. As a result of the confusion, there were a couple of payments missed and lots of charges added and we are struggling to keep up with it all. I’ve paid £160 so far, leaving me (well my girlfriend) with a balance higher than the original debt still.


Any help is appreciated,



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