what you need to do is apply to the company by Recorded Delivery under s77 Consumer Credit Act 1974 which requires them to send you a copy of the contract you signed within 7 working days. I think the fee is about £1.50 or £2. If they do not send you a copy of the contract with all t he financial payments within 30 days they have committed a criminal offence.
77.(1) The creditor under a regulated agreement for fixed sum credit, within the
prescribed period after receiving a request in writing to that effect from the debtor and
payment of a fee of 15 new pence, shall give the debtor a copy of the executed
agreement (if any) and of any other document referred to in it, together with a
statement signed by or on behalf of the creditor showing, according to the information
to which it is practicable for him to refer,
(a) the total sum paid under the agreement by the debtor;
(b) the total sum which has become payable under the agreement by the debtor but
remains unpaid, and the various amounts comprised in that total sum, with the
date when each became due: and
(c) the total sum which is to became payable under the agreement by the debtor,
and the various amounts comprised in that total sum, with the date, or mode of
determining the date, when each becomes due.
(2) If the creditor possesses insufficient information to enable him to ascertain the
amounts and dates mentioned in subsection (l)(c), he shall be taken to comply with
that paragraph if his statement under subsection (1) gives the basis on which, under
the regulated agreement, they would fall to be ascertained.
(3) Subsection (1) does not apply to
(a) an agreement under which no sum is, or will or may become, payable by the
debtor, or
(b) a request made less than one month after a previous request under that
subsection relating to the same agreement was complied with.
(4) If the creditor under an agreement fails to comply with subsection (1)
(a) he is not entitled, while the default continues, to enforce the agreement;
and
(b) if the default continues for one month he commits an offence.
(5) This section does not apply to a non-commercial agreement.
And here's the link reference
www.fisa.co.uk/downloads/CCA%201974.pdf.
When you get the copy contract examine it very carefully because the contract is legally required to be in a prescribed form and any breach to the prescribed form can render the contract legally inadmissible.
And as far as having a great chat with Trading Standards, take it from me that's all it was. Unless you've got it in writing it's not worth the time and cost of your phone call.
I would also strongly advise you to conduct all of your future conversations with this finance company in writing and by recorded delivery only ensuring that you keep a copy and mark it clearly on your letter that it is sent by recorded delivery.
