Oral contracts can be as legally binding as written contracts - but both oral and written contracts can be challenged. And written contracts amended by oral agreement can also be upheld.that is why is in arbitration, in general terms in the insurance world , oral/ verbal dont hold any weight. in cases cases where dispute arises from verbals , the black letter law is rule.
The law functions on facts. Are you comfortable explaining exactly what is going on with you, squadrito?