Hello everyone, it has been a while since I was last on this forum

Swift Finance bought my Welcome Finance account last year. I recently requested a SAR and received a lot of paper work this morning. There was a lot of stuff but only a one sided page of what was supposed to be a credit agreement. No T & C's .

Could someone please remind me what is needed to make a secured loan enforceable?

I strongly believe that if they could have enforced the loan they would have done so a very time ago,

The loan was taken out in 2005 sold to Coast when Welcome went bust and now is with Swift.

Many thanks TIA