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Incomplete Credit Agreement?


geordiegaz
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Sent of a CCA to HFC on the 23rd May, and was very surprised to see the signed agreement arrive on 31st May. All information I asked for seemed to be there, including amount of payments I'd made etc. Really peeved me though that I'm paying £146.15 p/m and they're charging "INT CAPITALISE" of between £110 and 130 p/m!

 

Anyway, after reading this post I decided to follow advice and check if my agreement was valid. The Rate of Interest and Amount of Credit were present on the agreement (Credit Limit didn't apply to a loan), however the repayments are not! Repayments are mentioned on a seperate agreement, which is for PPI (which was mis-sold and will be claimed back) and the amount there is apparently £138.88.

 

My query is, would I be able to dispute this loan, and would I have a leg to stand on if I did? At worst, I should at least get the payments lowered by £8 p/m.:D

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