We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Problems with HSBC Loan paperwork
Options
Sunnyoutlook_2
Posts: 1 Newbie
in Loans
Hi,
Back in 2011 I took out a £7500 loan over 48 months to help me and my wife move house and to but furniture and white goods.
I have made regular monthly repayments and I am actually ahead of my repayment schedule.
As I get paid every 4 weeks, I have advised HSBC rather than on the 30th of each month I will and have made the payment every 4 weeks.
After making Novembers repayment I requested a copy of the original conditions of the loan as I had lost them when we moved house.
The advisor on the phone popped me on hold to look into to this only to come back to advise me that they can not locate the terms and conditions.
I then requested this in writing as it does not seem right.
Should they still have a copy of these on their system if so how can I get a copy??
Back in 2011 I took out a £7500 loan over 48 months to help me and my wife move house and to but furniture and white goods.
I have made regular monthly repayments and I am actually ahead of my repayment schedule.
As I get paid every 4 weeks, I have advised HSBC rather than on the 30th of each month I will and have made the payment every 4 weeks.
After making Novembers repayment I requested a copy of the original conditions of the loan as I had lost them when we moved house.
The advisor on the phone popped me on hold to look into to this only to come back to advise me that they can not locate the terms and conditions.
I then requested this in writing as it does not seem right.
Should they still have a copy of these on their system if so how can I get a copy??
0
Comments
-
They'll be able to supply you with a reconstituted copy of the terms if you write to them. Is there something in particular you wish to query?0
-
As the loan was after April 2007, they do not have to provide an original copy of the T & C's. They are allowed to 'reconstitute' one.I used to think that good grammar is important, but now I know that good wine is importanter.0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351K Banking & Borrowing
- 253.1K Reduce Debt & Boost Income
- 453.6K Spending & Discounts
- 244K Work, Benefits & Business
- 598.9K Mortgages, Homes & Bills
- 176.9K Life & Family
- 257.3K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards