Advice about an unsecured loan..

[brownr72]

In 2002 I was given a 7 year and 3 year loan which would run concurrently. I thought I was getting a 10 year loan. Turns out, BOS doesnt do 10 year loans and this was given to me instead. I had to take out this loan to repay the debt I had run up on charges and credit. This has ruined my life! I am now 43 and paying debt is getting me nowhere.
I was wondering if the selling of 2 loans which run concurrently was legal. I mean, how can I be sold a 3 year loan in 2002 when it's not due to start until 2009? I am looking into reclaiming my bank charges...any help or advice would be greatly appreciated.
Many Thanks for your time and considerations

[IFA]

Sorry but I can't make out what it is you are unhappy with.

You went to BOS for a ten year loan, and because they don't do them they provided a 7 year loan + a 3 year loan as an innovative solution to your needs which ultimately gave you with what you were asking for.

Unless the combination of the 2 loans they have provided for you is going to cost you more than a single 10 year loan would have done I can't see how have you been disadvantaged by this?

If you need to find out if this lending broke any regulations then try Consumer Direct on 08454 04 05 06, if they can't help they will probably know who can.