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Payday loan no agreement signed


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I took a loan out for £600 from Cash Generator a few months ago. I wrote out 5 cheques for £120 each and have since rolled them over twice and paid £87 each time. The last time I went in I was in a major hurry because I double parked and when I went in to roll over I asked if I could just pay the money and go. He said I needed to stay and sign the new agreement but then changed his mind and said it would be ok and I could go. The cheques have been guaranteed by Transax each time but I understand that the retailer has to ensure certain things before they can make a claim from Transax. What I want to know is this agreement enforceable? Since taking out the loan I have got married and I have had a new cheque book and debit card issued. So the details in the store are no longer valid because that cheque book has been stopped and the debit card number is different. When they present the cheques they will be returned I presume by my bank. They were guaranteed but my limit was only £100 and each cheque was £120 plus the guarantee system has now been done away with since 30th June and when the cheques are presented they will be dated by the store as 20th July. I am very sure the cheques will be returned by my bank but what will happen next? Will Cash Generator then try and make a claim with Transax? Will Transax accept the claim without a new signed agreement? Will any of this be reported to my credit file? I would like to be able to pay the debt in installments if possible as I know I will never be free rolling over every month. I just kind of thought that with no signature I may have them in a position that I will be able to do this without them being able to impose any penalties. Any advice on this would be much appreciated. Thanks.

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