Don’t worry it can be easily verified. The consumer credit act entitles you to demand a copy of the signed agreement from the lender who must surrender one to you within 12 working days or risk losing the right to enforce the debt on you. During this time between the demand and sending of the credit agreement the bank or lender cannot take any action towards collection of the debt.

All you need to do is send a letter to the authorities in question demanding the signed agreement along with a statement of the account and copies of any other documents that were submitted at the time of signing of contract and enclose a fee of 1$ with it as per the CCA guidelines.

Once you receive the documents you can carefully check them for discrepancies. However this should not be used in an attempt to delay making valid payments.

If the lender doesn’t supply you with the necessary documents, he’ll forfeit any claim towards default payments.