Need Help on Submit function within form - Any help greatly apprciated

I am new to Coding, I am currently editing a script i had made for me some time back. I no longer have contacts for the original coder due to no longer using Yahoo messenger.

On my contact form it uses the onclick="$('#contact-form').submit()" function.

I am trying to get the contact form the submit but when i complete the form and click "Apply" it will not submit, My guess is down to the Javascript validating some of the fields that i have changed or deleted. Is there a way i can get round this? I have removed the onclick function however it will not submit when i try to complete the form.

Here is my form heading:

            <div id="contact-form" class="box1 form css3" xmlns:pageScript="urn:pageScript">
                <a name="loanform"></a>
                <form action="thankyou.php" method="post" id="contact-form">
                    <fieldset class="loan">
                                <legend><span>1 - Your Details</span></legend>
                                                    <ol class="group" data-role="listview">
                            <li class="clearfix" id="ValItem">
                                <label for="Val" id="ValCheck">Amount</label>

And for the bottom of the form as the form has a fair few fields...

    <fieldset class="submit" style="height:0;overflow:hidden">
                        <ol class="group" data-role="none">
                            <li></li>
                        </ol>
                    </fieldset>

                    <div id="warning-box">
                        <p>By pressing the APPLY button below you agree to our Terms and Conditions.</p>
                    </div>
                    <div class="full-width clearfix">
                        <div id="previousButton" class="prev-button"><img class="full-width prev-desktop" src="back-button.png" border="0"/><img class="full-width prev-mobile" src="back-button.png" border="0"/></div>
                        <div id="nextButton" class="next-button"><img class="full-width next-desktop" src="next-button.png" border="0"/><img class="full-width next-mobile" src="next-button.png" border="0"/></div>
                        <div id="SendEnquiry" name="SendEnquiry" onclick="$('#contact-form').submit()" class="apply-button"><img class="full-width apply-desktop" src="apply-button.png" border="0"/><img class="full-width apply-mobile" src="apply-button.png" border="0"/></div>
                    </div>
                </form>
                <button id="popButton" style="display:none">x</button>
            </div>

I do not get any error messaged displayed, When you click the Apply button it does not seem to do anything. I have no objection as to how the form can be submit, I am really just looking for a way round it to make sure clients are able to submit there request.

I have spent several days trying to solve this and nothing i do seems to work, So any advice or any input from you guys would be more than appreciated.

If you need anymore code from me or any further input please do ask and i would be more than obliged to provide this as i really am in need of expert help :)

Look forward to hearing from you, Thanks Guys.