-
Cancelling PPI
Hi Took out a loan for £5500 in Sept 2006. Total was around £8000 with insurance and interest added. Also took out bill protection insurance at 9.95 a month Claimed on insurance for 5 months while unemployed. Now reemployed in a fixed contract - which means terms of insurance no longer cover me. Im also on a lower income…
-
PPI, please help us Martin.
Hi we really need some help! We took out a loan for £35,000 in April 2004 through Freedom Finance,we were told we would not be accepted for such a large sum unless we took out PPI, as we were desperate for the money for building work we agreed. In September 2004 our mortage company offered us a better deal, it was cheaper…
-
Flexible short-term (~1yr) loan advice needed
Hi, I'm looking for advice on taking out a short-term flexible loan for less than 2 years, possibly just one. I'm in an unusual (and very lucky) position as I have a sharesave scheme maturing in less than a year which, at today's value, would give me access to shares valued at around £100k (for the sake of answering my…
-
Back The Petition To Ban Ppi Sales **************
Despite tight regulations by the FSA, Loan companies are still selling costly payment protection insurance to consumers. this product can be purchased independant of any loan at a far reduced cost, and without any conflict of interest. How can a loan company with insurance targets be trusted to sell an appropriate product…
-
Fair to take off loan amount
Hi All, I am new to this site, and not great with technology, so please bear with me (I have attempted to search other threads for this information, but I have probably missed it). My problem is with the royal bank of scotland. I have used the template letters on here and the RBS have made me an offer. However, a condition…
-
Do they still owe me money
6 years ago I borrowed £25000 from first plus. There was a one off PPI payment of £5000 that was added to the total. I was told it was not optional. A few months later I paid off the full loan. Almost £30000. I received a PPI refund of only a few hundred pounds,(can't remember the exact total) it was a lot less than I was…
-
Short term/Payday loans
Well, hello for a start (new here, so be gentle!) I've had the month from Hell this month thusly have been caught a little short in the finances department. I've gone down the route of a short term/payday loan from PayDay UK. Borrow £100, pay back £125 on payday, i know the APR is terrible but it'll get me through the…
-
PPI Dilemma
I have a £10,000 loan with RBOS and PPI. I left a job and moved to another area; the long and short of it is the job I was planning on getting fell through. I managed to find a job on Temporary Contract which was running Month to Month but has now been extended 2 Months. I asked the Bank what would happen in regards to PPI…
-
Tips and Information about Loans
Hey guys, got to visit this site, I made it and it was just for information of the people who are struggling to know about Loans, different types of Loans, its in the https://www.theloangurus.com , Enjoy reading, folks! :)
-
Not very happy! New car buy
I bought an ex-demo car on 5/11/07 from a Suzuki dealership. I paid £9000 and got a Part-exchange of £2300 for my old car. I set up finance with them directly and APR was 9%. However this weekend there was an advertisement in the local paper stating they also offer 0% finance on cars. I suppose my fault for letting the…
-
Remortgage or personal loan?
My mum has 3 years to go until her mortgage is paid off. She wants to do have some work done on her house - at approx £17,000. In 3 years, she gets a lump sum when her pension starts, which will be more than enough to pay this off. So, should she add this to her mortgage and extend by a couple of years, or get a personal…
-
loan secured on car
just bought my self a car today purchase price 19k deposit paid 4k the dealer has quoted £490/month over 36 months , this works out at about 11% apr which is way higher than a personal loan quote of £467/MONTH apr 7% the deal is with black horse finance ,does anyone know a better way of financing it i have an excellent…
-
Is It Worth It?
Im 22 years old. and havent taken a loan out in my life. but i want to know would it be worth it me taking out a loan i dont really need. im going up to statford next year. and i could do with some money then, but is it worth it? ive seen how stressed people get when theyve taken out loans....
-
Egg loan
Hello I'm thinking about taking an Egg loan. I have an Egg card already and applying online they don't seem to want many details...... Has anyone taken out a loan with them this way? Don't they phone you or something? Seems quite strange they would lend up to 25 grand without asking any probing questions???? cheers
-
Has anyone extended a pre-existing loan?
Hello everybody, I was just wondering if anyone has ever extended a pre-existing loan? I currently have a Professional studies loan with Barclays for £6000. Over the last 3 years, in addition to this, I have accrued debts on credit cards and from friends and live off my overdraft (£7,000). I also owe my mum £6000 and I…
-
PPI Claiming Question
Hi All I have just read with interest the PPI article, but im still unsure if i have a reasonable claim, my situation is as follows Lender: Blackhorse Amount Borrowed £8500 PPI Single Lump Sum : 2468.62 + 1226.54 interest Date of agreement : Nov 2005 term :84 months I have now paid back this loan in Jan 2007. Now my…
-
What letter template to use
I am new to this site and to computers! I wish to claim my PPI back. I do not have my original terms and agreement what letter template should I use to send to the loan company and credit card company?
-
Swift Advances Again Are We Being Robbed
HI Peter could you help us please we have just recieved this list of charges to repay a secured loan of £30,280 taken out in january 06 original loan amount £30,280 interest charged £6,802.80 less payments recieved £5,720 sub total £31,812,18 arrears/letters/call charges £518.00 bounced payment charges £165.00 information…
-
Need some extra cash.
Post Deleted.
-
Advice about defaulting on HSBC personal loan.
Hi, I hope im posting this in the right place..im a newbie :) I could do with some advice! I unfortunately lost my job in August, which was bad timing as i had just rejigged my loan at HSBC to pay off my overdraft too, totalling £6000 (interest included there) paying £100 off per month over (i think) 5 years. So i missed…