Sorry for the delay in replying.
All payments are up to date. In fact I asked to increase the payments to pay the loan off early only to be informed over payments are only allowed up to a max of £500.
If the loan given does not correlate with the credit agreement signed and if the loan is not valid. Basically, I'm asking if it's not valid then should I have to settle this debt and is it worth taking further.
Obviously they're a large bank with vasts sums of money and the best legal teams.