Loan leagalities

Slowmonkey94_2

Hi all basically at a time when things were bad I and .y previous partner made a decision to take out a consolidation loan which required a guarantor we split up payments were still bring made until I was made homeless and jobless my question is the company have been nothing but horrific threatnjng after allot of persuasion and convincing them not to s ND bailiffs to they door they have agreed to RE write the loan by closing the old account and opening a new one effictivley halting my monthly payments from 300 to 149.15 my question is is if I am the only person that has signed and returned the new loan payments to George banco the company and my previous guarantor/ mother on law has refused to hasn't and refuses to have any part in this does that mean as I have already made payments on the new account and the sold account has been closed I've returned the credit agreement does that mean I am the only person liable hopefully it does but what do you guys think we never signed anything in the first place we just agreed to it over the phone but she hasn't with the new agreement and doesn't want to but I have already signed and returned the new contract and made the first couple of contractual agreements

fatbelly

Your post is very difficult to read.

As I understand it you have a new loan which repaid an older one and want to know who is liable.

You will have signed a consumer credit act agreement and should have a copy. The answer will be on there. If you haven't retained a copy you can request one at a charge of £1 by making a formal CCA request.

https://www.nationaldebtline.org/EW/factsheets/Pages/getting-information/credit-agreement-advice.aspx