Thanks for your reply.(posted 7346 days ago)We don't have any paperwork as such, only the credit agreement which we signed when we took the loan out, the only other letter we have is a "without predujice" one, but i have a feeling that it has been thrown away for some reason, and that was dated 10-02-04, the day after they first visited us one night! that was only because i asked them for the original default notice, which we never recieved from dec 03, they still haven't been in touch, despite their assurance they can re-write the account as from march. I may just phone them sometime this week, as i think they are going to wait until the next payment is due at the end of march and then start all over again harrassing us etc. If they backtrack on what they have said, then i will contact the trading standards dept, the only thing we have in our defense is that everything has been "verbal" nothing in writing, and considering the seriousness of the arrears, i would've thought that head office would have been in contact with us personally, i don't know if the letter we got "without predujice" is their own default notice, as i always thought that to get a default notice, it had to go through a county court? Yes, i think we have the same ruling in english law regarding harrasment etc, so if they start again, then i will seriously think of contacting the police, will let you know how things go later this week. Jane