It all depends what was in your proposal. I think you need to go through your paperwork but surely this would have been explained to you by your IP prior to signing???
As Ray says, you should have had all of this explained to you.
Which company are you using?
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk