Thanks guys. Appreciate the feed back.
It was internal panel damage. I can only guess due to bags moving around. Not sure but non the less the MEL required it to be assumed unusable until repaired. As for loading the ground handling manual Recommends filling hold 1 (fwd hold) then remainder of the bags in 4 (aft hold)
Trimming with fwd hold not available for us was not an issue but my question is at what point, if any, would an A320 start to tip or is this practically impossible?