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Can I Ask For Lower Interest Rate???
I have a loan with Barclays Bank and am paying 14.9%!! I am due to lose my job very shortly and a decrease in interest charges would help me a great deal. Has anybody ever tried this and is there any likelyhood that they will agree. I want to repay the money i have borrowed, but obviously due to my employment situation…
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Close Assistance
I have/had a loan with blackhorse , it was a personal loan and not car finance which i thought it was . Back about 18 months ago i paid what i thought was the settlement figure of the loan. Because me card would only allow 5 grand to go through a day , the lad i spoke to was supposed to take 5k and then £800 the following…
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cancelling ppi
we sorted a loan in august and no payment has gone out yet, after seeing how much we were being charged by hsbc for ppi we have tried to cancel it today, the bank said cos the 30 day cooling period has gone it is going to cost us £500+ to get out of it and it has not even had a payment out of our bank yet, so it not even…
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Help to do Breach of data protection act and fair trading policy letter - PLEASE
Hi can anyone help me please? I want to complain about the fact the data protection act has been broken, by the fact that a representative of Honours Student Loans discussed my debt (ie who it was due to, and the amount) with my partner as I was not available when the representative called. I would also like to complain in…
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Cancelling PPI with LTSB
I have had a refinance loan with LTSB since February 2004 (144 months) - Loan amount was £11,800 (monthly £86.99) and PPI was £3853.42 (monthly £28.41). The interest is 1.0% APR. The question is................. I would like to cancel the PPI as it is of no use to me being self employed, and paying my own insurance that…
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Loan default
For some reason my direct debit loan repayments stopped being paid to RBS just over a year ago. They have just issued a court judgment saying that I owe full amount of loan. However, they have never been in contact with me - and were using an address that was previous to my last address. They are saying that it is my fault…
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Credit Scoring dilemma
The situation is this : I am currently in the process of buying a house (first time buyer) and my mortgage application has already been approved. I was initially told by a "mortgage advisor" that under no circumstances should I apply for credit for things like sofas, appliances etc. until after I've completed the purchase…
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Loan - Charges reclaim?
Hi, I have a loan with welcome finance. Over the past two years, they have applied charges to my account for phonecalls, and letters they have sent, or if i have made a late payment, or a missed payment. Can i reclaim these charges in the same way as i can reclaim bank and credit card charges? Cheers Nick
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Car Purchase to HP or not to HP! That is my Question!
Hi All :grin: I have a question, I am just about to buy a car, I have the money in the bank to buy it outright, but some people have said leave that money in a high interest account at 6% approx and use finance. Now I am a little confused, surley the rate on savings will be lower than the finance charge, so I will be…
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£15,000 unsecured loan is it possible?
Hi, i am in need of a £15,000 unsecured loan as i am not a homeowner, to help out a family member that is in debt way over their head and to clear off my debt of £5,000. Will anyone lend to me i earn £32,000 PA and currently have £5,000 debt that i am paying from abroard and want to consolidate it over here, it is much…
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Help?! : Career Development Loan Vs Professional Studies Loan
Hiya I'm starting a Master Degree and was considering loans out there to fund my studies and living. The 2 main likely loans for postgraduate studies include the Career Development Loan (CDL) or the Professional Studies Loan (PSL). I'm comparing to the 2 cheapest loans, that of Barclays CDL and HSBC PSL. From what I've…
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Urgent help required regarding loan repayment demands
Hi all, The story (it's a bit lengthy but please bear with me) is as follows: About 3 years ago my father-in-law took out a 20k unsecured loan from Lloyds - he took this with a protection policy. About a year later he was dismissed from his job (he had given sales reps examples of products without permission). Obviously…
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Car finance - Beware!
Hi all Just a warning to anyone looking for car finance.... If your credit record is not A1 (like mine :( ) and you are looking for car finance through a dealer beware that they may make a large amount of credit searches in order to find you a finance provider. I took out a hire purchase agreement through Car Giant and…
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Hsbc Ppi
Hi Ok after being burned with going to court with the HSBC and them not paying out and then the hearing being stayed until December sometime I'm a little hesitant about this PPI deal. I'm not sure that I'm eligable for a PPI reclaim but here are my details: I'm employed full time and have never missed a payment - I've…
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Black Horse Personal Finance, Any Comments
Hi, As anyone who has been declined for a loan, under 21 with a credit score around 360 been accepted for a £3500 loan from black horse, I earn £14450 pa and including all my outgoings inc. set aside for petrol, entertaiment take away food, parking everything i have around £360 minimum left? I want a loan for 3 years…
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Overpayments GE money loan
Hi, First the background........ I had a new bathroom fitted by Dolphin a few months ago (DONT DO IT). I took out a GE Money loan to finance it as I know I was able to make overpayments and wanted it paid off in a year. Total Loan ammount £6800 or close to that and I'm scheduled to pay £129.17 for 120 months which as u can…
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Thwarted by the evil student loans company
I don't understand why the student loan company can't deal with individuals, rather than blanket ruling on everyone. I want to defer my repayments as I am returning to study. To be approved for deferrment you have to send in 3 months' payslips in order to prove that you have not earnt over the threshold to qualifiy and…
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Loan Payments
Hi All, Can anybody help!!! I had a Hire Purchase on a car i bought some time ago, it was subsequantly stolen and the insurance company had payed out, but as usual not quite enough to cover the payments. I had taken out a GAP policy when i purchased the car to cover in the event of what happened. Now the Gap company…
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Payment Protection Insurance
Hi, I brought a new ford fiesta in Jan 2006 previous to this I had a brought a ford KA from another dealership in Jan 2003 both dealerships put the hard sell on my to buy PPI and didn't go through any previous medical details with me. On receiving martins email letter this triggered something off so I wrote to them I…
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Mistake...
Hi I was wondering, I currrently have two loans I am paying with collection agencies. Would it be a mistake against my credit rating if I was to pay both of these off in one go? Any advice would be appreciated