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Loan disputes

Duncan Lewis Litigation Solicitors – Loan disputes


Loan disputes can occur a as result of a wide range of circumstances, including where a load was mis-sold or additional hidden costs have been added that were not made clear to the borrower when the load was taken out.


Resolving a loan dispute will often involve considering whether the debt is enforceable. In the case of loans covered by the Consumer Credit Act 1974, it may not be possible for the lender to enforce the debt because of the protection offered to consumers under the Act.


The Consumer Credit Act can protect consumers who have hire purchase agreements or running credit arrangements, such as credit cards or store cards, with debt up to the value of £25,000.


A loan may be unenforceable if a breach of the Consumer Credit Act has been committed by the lender – or in cases where a financial product such as a loan was mis-sold, including the mis-selling of payment protection insurance (PPI).


Other factors that could make a loan unenforceable include issues with a broker who sold the loan – or hidden commissions when the loan was agreed.


Duncan Lewis civil litigation solicitors can advise at any stage of a loan dispute, including disputes involving:

  • Bank loans
  • Business loans
  • Car loans
  • Commercial loans
  • Consolidation loans (eg to pay off credit cards)
  • Credit cards
  • Family loans
  • Hire purchase agreements
  • Home loans
  • Personal loans
  • Secured loans
  • Store cards.

In most cases there will be a loan agreement – but Duncan Lewis can also advise on loan disputes where an informal agreement or verbal agreement was made, which may be the case with loans made between family members, partners or friends.


Duncan Lewis civil litigation solicitors can also advise on debt recovery  solutions in cases involving loan disputes.


For expert legal advice on debt recovery and Loan Disputes, call Duncan Lewis Litigation Solicitors on 0333 772 0409.


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