just a bit of background info on me , i have a personal loan with HSBC for 3 years, i have paid off a previous loan off (Ł5000) and i have never missed a payment on any loan so have a high credit rating. i have paid half the loan off to date.
Can repayments be froozen for a period of time because i my personal circumstances may change in the next twelve months and may not be able to pay the repayments?
i dont have laon protection because i think its a rip off, i could sort other arrangements out to pay the loan off if i cant do myself.
any advice would be much appreciated, thanks in advance