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Challenging Loan agreements?

Reading through Martins Tips and it mentions about how a website has managed to argue loan agreements and they are unenforceable?

It's lines of all credit agreements require certain information total repayable erm.. apr etc

One guy had £18,000 just had to repay £2,000! My brother has a 10 k loan and is really struggling as many people when I asked him he only knew how much he had to repay a month! not the rate how much total repayable.

Does anyone know where the credit act is or something similar?
Help me to help you :santa2:
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