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Moved: SMI
This discussion has been moved.
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Moved: Cipd loan
This discussion has been moved.
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Help! Car dealership delay leads to default
Hi, firstly apologies as this type of query has probably done the rounds multiple times (I'm panicking). I've had a finance agreement with the company for 4 years. Coming to the end of the agreement I visited the dealership and agreed to a replacement car. Typically due to stock levels was told there would be a delay till…
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Unable to get credit of any sort from Barclays only
Hi. Slightly odd one this and not sure if anyone can help me. My credit file is almost spotless, I have quite a lot of credit but have never missed a credit payment. I did miss a water bill 4 years ago though so have 1 missed payment there. I have no problems getting credit from anyone except Barclays. I used to be self…
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Urgent action needed to stop lenders bombarding people who've missed payments, say Martin + charity
Charity the Money and Mental Health Policy Institute (MMHPI) and its chair, founder and core funder Martin Lewis are calling for the Government to make changes to prevent firms causing unnecessary distress to those already under strain. Read the full story: Urgent action needed to stop lenders bombarding people who've…
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Car purchased from dealer, had finance on
Hiya, I bought a car from a dealer back in March, someone wrote it off in September and then it come back it had finance on, basically what I’m asking is can I apply for a county court rit against this dealer ?
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Loan Repayments
So I need some advice about a loan repayment, currently I have two loans out and the payments are getting our of hand. please see details of loans below. loan 1 - £104.95 a month at 9.9% interest and 3 years 7 months left on the loan loan 2 - £206.59 a month at 2.3% interest and 2 years 2 months left on the loan. My…
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Loans 14 day cooling off period?
If I took out a loan then decided I made a mistake and didn't want to commit to a loan. Could I cancel it within 14 days of signing? If so, do they charge interest for those days or do you just pay the amount they gave you back? How does this affect credit rating? Would it show as settled or wouldn't get reported only the…
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Any info on why I would be unlikely to be accepted for loan?
Hi all, I was looking to take out a loan with Tesco in order to purchase a car. Im employed full time, my take home pay after tax is about £2300, and my total monthly outgoings for bills and mortgage payment is about £700 and I have a good credit score. I checked my eligibility with Tesco for a £10,000 loan over 5 years…
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Paypal payment in 3? Don't be fooled!
Hi, I was trying to purchased VR for my son through Argos. There is a choice how do you pay for it. Card, Paypal payment in 3 (interest free), Apple Pay. I have decided that I would like to split payments in 3 because is over £500 and interest free. I have Paypal account for years with £3600 Paypal credit limit that I…
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Klarna application
Hello, do Klarna send any correspondence via post at all? Wanting to take some credit but wanted it all done via email. Thanks
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Help to calculate how my loan will reduce
A few years ago I took out a loan for £8,500. Original loan term was 84 months. term remaining is now 46 months. I did make a one off lump sum payment at some point but can't remember when this was or how much. Balance now is 2,260.36 I am paying £111.79 per month. APR 2.9% Payments are made on 1st of each month. How do I…
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Borrower not able to understand the terms and conditions of a loan
Can you please help me resolve the following problem? My friend's application for a loan was rejected on the grounds of them not being able to understand the rules of the loan agreement. They don't speak English very well. I acted on the behalf of them, but after the provisional deal was agreed I could not proceed further…
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Paying provident after death
My father had a payment plan with Lowell for a provident loan of £2200 he passed away 10 weeks away and I have had several letters of Phillips cohen associates asking for full payment. does anyone know if I have to pay the loan as he’s deceased and provident is no longer in business.
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Early Settlement of Loan - 58 Days Question
I'm confused. I'd like to pay off an MBNA loan off early. But the wording of their contract is confusing. The first part seems to indicate the full interest for the whole term is due, plus 58 Days. But the rest seems to say I just pay 58 days interest in total when I pay it off. Help! This is what the contract says: - You…
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Personal Loan
I’m looking to take out a loan of around 8000-8500. I’ve been looking around, trying to find my eligibility. I’ve a 900+ credit score on ClearScore. I can get a guaranteed accepted loan of 7.4% with Admiral, or Ratesetter is around 4.5% however it still has checks to do, apparently. My own bank is showing 70% chance of…
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Feeling very cash poor
Have plenty of assets (3 properties owned outright, equity in others) but struggling to keep up personally day-to-day right now. I have a long term view on money, so am tempted to take a loan out to keep everything running, rather than sell property, as I know I’m unlikely to buy another if I do, and I’ll have to pay CGT.…
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Brand New Car waiting for a part for seven months
Hi, i was wondering could offer some advise. I bought a brand new renault in November. I had an accident no other cars involved in June. The car has now been in the garage for seven months waiting for a part. Renault can give no date and say they await a bracket and fog light which is on back order. I have been paying for…
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HP Car Finance - help to calculate 50% repayment please
Hi can someone please help me to work out when I will have paid 50% of my car finance back so I can get rid of the money pit car I was sold and cut my losses? I have a complaint going through the ombudsman about the car (not holding out much hope though!) and if that fails, I want to hand it back when I have paid 50% but I…
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Car Loan
My car has just failed it's MOT for the 3rd year on the trot so I am thinking it is time I eventually get a newer car (not brand new). I am going to wait until perhaps next summer but my dilemma is this. In October next year my fixed rate mortgage comes to an end. If I get a car loan in the summer will this affect what…