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SpartanKing

Assistance with HSBC Credit agreement - Is this enforceable?

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Hi Everyone,

 

I have just joined this forum as I am keen to see if any of my credit agreements are unenforceable.

 

I presently have an issue with a couple of things to do with HSBC and was wondering if anyone could asist and give me some useful advice on this one.

 

Firstly I had an unsecured loan with HSBC in 2004 which I paid for 2 years before it was restructured into a manged loan as I could not afford the repayments. My question is, can I still contest this original personal loan, and if it is unenforceable, what I am entitled to?

 

Secondly, I now wish to contest the managed loan and have received the CCA which appears to be in order, however:

 

1: Having read all about what constitutes an enforceable agreement I think they have covered everything, however they have never notified me of any changes on the interest, or how this would affect my monthly payments which it says they will in the agreement. Is this grounds for anything? Or is there anything I can address which I may have missed?

 

2. Most importantly. If the original personal loan can be contested and found to be unenforceable, then does that mean by default that the managed loan also becomes null and void as a result of being established to cover the original personal loan that was unenforceable?

 

Some quality knowledge and advice on this matter would be greatly appreciated.

 

Regards,

 

Spartan

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Welcome to the site.

Will move your thread to the HSBC forums


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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