APR increased without notification?

hiphophippo75

My Father in law recently had a stoke which left him unable to work, so as a family we tried to sort out his finances so that life would be a little easier for him.
When we looked into a loan he had taken out we noticed that the APR was 27.9% which ment that he was hardly paying off any of the loan.
The loan was taken out with the halifax 3 years ago for £2000 with an PAr of 6.9%. After 2 years he wanted to do some home improvements and spoke to the Halifax who agreed to lend heim a further £2000 on top of his original loan. My Father in law never recieved any new paperwork to read or sign and was never told that his APR would increase.
What I would like to know are the banks allowed to do this as I am sure that he has been missold the loan and therefore eligible to contest it.
We are in the process of getting the loan changed over to a better rate.

jonesMUFCforever

If he had PPI he would have had the loan paid off by now.
A personal loan even at 27.9% will be paid off after a set amount of payments.

I doubt it very much if he is not working whether anybody would give him a new loan to pay off the existing one.

I also doubt very much whether you have any case of mis selling the loan - if the funds went into his account and he spent it - it will have to be repaid with interest.