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Loans.co.uk loss/theft of personal data
I have only found this on the site for the local rag in Watford where loans.co.uk are based but I thought this needed a wider viewing. http://www.watfordobserver.co.uk/news/localnews/display.var.1674403.0.0.php I have had hundreds of phone calls from a very dubious sounding call centre in India. I got to the sounce of it…
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Parents loaning 15k
My Parents have just sold there house and offered to pay my debts (I intend to pay them back). I know there is limits to what they can give as a gift, but can they just phone my credit card company and pay? Will they be liable for any tax. Sorry if this is a stupid question. Thanks.
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Just received my loan...
Hi all, I have just received the loan from AL into my bank account and I am just trying to decide the best thing to do with it (seeing as I have debt all over the place) The first thing I am going to do is pay off the 2 credit cards that I have with large interest rates. That will leave me with about 2k to decide what to…
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Can you cancel PPI on a loan??
Hi, I have a loan with Egg with which I took out PPI. I have just discovered that as I am self employed this is basically worthless. Can I cancel this? Thanks. P.S I'm not trying to reclaim what I've paid already - I just want to cancel the rest of it.
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Which Loan Company for service
My daughter is about to take out a loan and the best rates appear from - Your Personal Loan, Sainsbury Bank, Moneyback Loan Bank, Masterloan, BOS, Halifax. Similar rate from all of them but which one gives decent service, quick response and will not bombard us with heavy sales calls. Anyone has experience of any of these…
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Loan to family member legalities
Hi, An elderly family member has recently decided to move house and has now sold theirs, and put in an offer for another property. The proceeds from the sale of this house falls about £10,000 short of the cost of the new house. Me & my brother in law have both agreed to cover the shortfall, (£5,000 each). This is to be…
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Bank loan or use own money?
I have just bought a small business for £39,000. I have most of the money but I wasn't sure if it would be best to use a bank loan for £10,000 for tax relief etc. Or is it not worth it and just use some savings from premium bonds. I am english but I have lived in france for the last year. my business is in the UK, I can…
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Hard Sell Tactics
I am furious,:mad: My OH applied online for a £7000 loan through Moneyback loans/ Alliance and Leicester. He was e-mailed asking him to give them a call. Talk about hard sell. They berated him for about 20 minutes trying to get him to take out PPI. He consistantly refused but still they kept on at him. He was ill at the…
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Career Development Loan - approved then declined - WHY? Already enrolled on Course
Hi everyone – I’m desperate for some signposting or advice regarding Career Development Loans (CDL) After working very hard towards his degree my son achieved a First so decided to stay at his University and do a Masters. After signing another tenancy agreement for a year (60 miles away from the family home) and getting…
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Is there such a thing as a listening bank lol
Hi everyone, i'm new to the forum, but i can see im not alone with it all, i also have made a start canceling ppi, and am in the process of trying to get back 2.300 from the bank of scotland for bank charges. The question i have, is there a human being out there working for a loan company or bank that i can talk too, my…
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Self employed - PPI
Hello all! I have tried to reclaim mis-sold PPI from Capital One and have recieved a reply from them. They say: " You've suggested in your letter that the PPI was mis-sold as you're self employed. You would still be able to claim under the terms relating to employment benefit providing you are paying Class 2 National…
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Cancelling PPI within 30 days of signing the agreement
Hi all, I have just taken an extention on my existing loan with A&L. Now they strongly recommended I took out the PPI on my loan, as they do. Now all the documents have come through today but I have decided against the PPI. They want £52 a month, adding a total of £1258.80 to my loan. This is disgusting. I've read my T's &…
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Reclaiming PPI. Does this letter sound ok??
(Name + Address) (Date) (Name + Address of Loan Company) Dear Sir / Madam Re: Account number: ********** I purchased the above policy from you on ********* but now believe that I was mis-sold this policy for the following reason: Having recently looked at the paperwork for my loan I now realise that I have been paying for…
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Wellcome Finance sold loan I had settled
6 years ago, after redundancy from a city banking job I experienced adrenal and thyroid failure which went undiagnosed until this year. As I slept my way through the next 2 years of my life I ended up in serious trouble over repayments for loans and a re mortgage. The loan I am concerned about originated through a new…
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Reclaiming PPI on my Natwest Loan
Hi all, I was recently talking to a friend who has successfully reclaimed the PPI on a store card and he told me about how banks add PPI to their loans to get extra profits. This got me thinking about the loans I had and the loan I currently have. I managed to find all the loan agreement forms I have (5 in total) going…
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need to borrow 15k for just 1 year - advice please!
Hi, bit of a last minute panic to try and raise finance. I need to raise £15,000 for a business opportunity and it's guaranteed to be repaid by the government in approximately 1 year. So i really need advice as to what sort of deal i should be aiming for? Who i should borrow from? What i should tell them in the application…
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Should I update credit report info b4 loan application?
Hi, I've applied twice for an unsecured loan and been turned down both times. My cards and bank details are registered to my parents address but last year I moved into a new place. I've seen one of my credit reports and it has my new address as a linked address. On previous applications for loans/ credit cards etc I've…
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Reclaiming PPI on car payments.
Hi all. I took hpi on a new vw beetle in 2001 and i asked to pay £250 a month. When i started paying the payments were roughly £288, cos the sales man had included the payment protection in my payments which was never explained to me, actully i think it was allready agreed on the contract and up to me to read the t&c and…
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PPI & tsb & now i'm a student
hi, ive trawled thru all martin's articles on PPI and cant find the answers i need. I took out a 10k loan from lloydstsb a couple of years ago. The PPI i was told was a compulsory part of the loan. TSB now say that if my loan is changed, eg my PPI is cancelled, they have to cancel my existing loan and give me a new loan…
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Help required, regarding First Credit & CCJ
Hi everyone this is my first post on here after somebody recommend using these forums to gain help and advice. Sorry if this is in the wrong place. I am a self confessed bury head in sand kinda girl. I owe this debt company about £1500 of which i should be paying £50 a month back. Now for reasons ABCD I have not made a…