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You will need to show that you don’t run an unlicensed cash lending enterprise. Unlicensed money lending is prohibited beneath the Moneylenders Act (Cap 188), and part three of the Act states that “any one who lends a sum of money in consideration of a larger sum being repaid, shall be presumed, until the contrary in proven, to be a moneylender.”

Possibly you decided to take a mortgage before studying all this and also you now end up stuck in what looks as if an unfair contract. Or possibly you got a mortgage before the laws had been modified in October 2015 to protect borrowers. If so, here are some issues you can do:

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