welcome finance help required

brookes14305

i have a secured loan from 2005 with welcome finance with i got into arrears with and they came up with the option of rewriting the loan to make it more affordable and to make it so there was no arrears therefore no additional interest and they also said they were going to freeze the interest on my account.
then on new years eve 2007 one of their representatives turned up at my house to sort this rewrite and told me to sign a blank credit agreement i queried this and was told they had to have the paperwork in that day or they would repossess my house reluctantly i did and over the past two years i have queried this with the local branch to no avail and they have now decided to change their mind and start charging interest as the freeze as a gesture of goodwill so i made my complaint official and have had a letter back saying i have no evidence as the credit agreement was fully completed on their scanned copy(obviously done when agent got back to office) and they sent me a copy of this along with a sheet breaking down loan ammount, term, apr and monthly payments which i supposedly signed on the same day as the credit agreement but looking at the signatures they are not mine and my wifes supporting my argument that the credit agreement WAS blank i have now raised this as a fraud and it is currently being investigated i wanted some advice from anyone out there as to where i stand if the fraud team come back and say the signature is a fraud can, would the agreement become unenforcable and would i be entitled to my money back sorry to be a bit thick but i am new to all this i know i shouldnt have signed a blank agreement in the first place u i felt as though my house was at risk

thanks for any help anyone wants to give

Tixy

There is a chance that this could mean the agreement is unenforceable, but it might be a case of you having to prove the facts as you see them in court (with it being a secured loan they are unlikely just to write this off). With a secured loan I would suggest you tread carefully though, as I would imagine that its not worth losing your house over.
Do you have any correspondance in relation to what they offered with the new loan? prior to signing the blank form?
Also freezing interest is nearly always only done as a goodwill gesture so is highly unlikely to have been written into the agreement (even if it had not been blank).

I would imagine you have no chance of getting the money you have paid so far back.