I have made a personal loan to a relative and there was no interest involved in the loan. Is it prudent to have a friendly loan agreement signed between myself and the said relative. Do I have a better claim if I have documentary evidence instead of an oral agreement? I have heard that in a civil action, there are two sets of legal costs. One is called "Solicitor and Client" costs. The other is called "Party and Party" costs. What is the difference?