What you need to do is ask for a copy of the signed agreement under the Consumer Credit Act. You need to send a cheque for £1 for a copy.
But the reality is only the main original copy needs all signatures on it. The one handed to you is just a copy and therefore it is not required to have been signed by all parties.
But if the original has not, then it is not legally binding.
I am sorry if this is not necessary the answer you want and it is certainly not the one I want to give you, but I have a duty to be honest.
Can I clarify anything for you about this today please?
If the original agreement is not signed then it could be void. If they hold a copy that all parties signed then it is binding.
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