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i would reccomend that you visit this website it is free and has lots of help. penaltycharges.co.uk there is something that you can do! honest. it is a lot of money to pay. i have a loan with HFC and i got it in 2001, i have just asked for a copy of my signed credit agreement, they have 42 days to supply it, and if they dont the debt is then unenforceable, which means they cant make you pay it. and the are committing a criminal act if they dont provide it, and can be sent to prison for 6 months or face a fine of upto 5K. would defo look at the website!
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