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Northern Rock - requesting admin fees after payment of settlement figure
Hello All. Ive recently been able to settle a 5 year loan early. I requested a settlement figure in mid april, received written confirmation of the amount on 20th April, i then paid that amount. Then received written confirmation that the account was settled and N.Rock were in process of closing account. Last week received…
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Help for a neighbour please...........
I'm asking this question on behalf of a neighbour so that hopefully he can see the error of his ways. To cut a long story short, my neighbour works for himself, and has done for 3 or 4 years now. He recently went through a messy divorce and has financial problems. In order to make ends meet he has taken to frequenting a…
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Can I cancell PPI after having claimed?
I have a loan with NatWest, repayment #90.87pm, of which #20.36 is PPI. Last Summer my mum was terminally ill & I took 2 1/2 months off work sick to help care for her & to help sort everything out after she died. During this time I claimed 3 months PPI for my loan repayments. Does anyone know if you can cancel PPI after…
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Help with getting a loan
Hi there...new here so please be gentle! Only ever lurked before so hope someone can help. Situation is this. My husband and I are divorcing. He needs to be able to get £17k as his half to get us out of negative equity and pay solicitors and estate agent fees. He only earns £1000 take home every 4 weeks and already has a…
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Credit History and refused loan?
Hi I'm really concerned. My husband earns £40k p.a. I'm self employed and should earn £20k this year which will increase (hopefully) once my business goes on for longer. I have no loans as such ie a couple of credit cards but no hp etc. I own my cars outright etc. I also have a mortgage but have about £250k equity. My…
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Natwest loan strapped me in !!
Hi guys Just got off the phone with Natwest complaints dept ( very rude and unhelpful , what did i expect ) I took out a Natwest loan last November after having a " Financial Review " ( or in plain english a loan sales talk ) because it offered a very good rate at the amount i required, alot of things were explained to me…
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Loan Advice
Hi, I need an advice please! I need a loan of 5000 at least.I own a house on mortgage.However I donot hold permanent residency but have recently migrated (3 years residency status) because of which I am getting loan at an interest rate of 11%.However I can afford to pay an interest rate of around 8%.I have a fair credit…
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Advice
Hi I'm hoping someone can give me a little advice. I'm currently trying to get an unsecured loan for 12,000. This is for home improvements. But everytime i mention i am a home owner they try to give me a secured loan. I really don't want a secured loan but i don't know where i should try. Any suggestions would be much…
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DELL are damaging my credit file, please help!
I made an order with DELL on their website for a PC. I decided to pay by finance and was told that I would get an answer to my application in 48 hours. A week later I received an email stating that I had been accepted and that I should call or email them to confirm my order as they'd lost my order details. I sent an email…
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Northern Rock - Loanprotect scam/hard sell advice
Hi all, First post on here, never really needed to after years of reading on here! Just basically warning people but I also have a quesiton about my credit rating... Basically, I applied for a loan from Northern Rock this week, to help pay of a card I have with another company. I was given a very hard sell on the phone…
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Loan for little credit history
I need to borrow £10,000 to pay off a huge credit card bill at approx 19%. I intend to pay it off in 5 years and at present I can afford to pay £220 a month. I would like a loan that gives me the opportunity to overpay if I'd like. Now for the tricky part. Ideally I would like to become a stoozer and pay it off that way,…
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Loan types - would you agree?
I have just had a conversation with OH's bank and they are offering him the chance to transfer his flexable loan (don't know apr but it's high, £4950 balance, interest £107, min payment £149) to a fixed term loan with the option to over pay each month, penalty free but he would need to pay £950 off first as max is £4000.…
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Applying for a loan - Help needed
Hi I'm looking to apply for a £15,000 over 5 years and can get a miimum 7.9% interst from my bank, I've looked at advice on here and seen the cheaper rates from other providers, like lombard and cahoot and moneybank. Where they're typical I know I might not be able to get the low rate but the lombard one I recall reading…
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Help!
Hi Folks! Does anyone know the ratio of salary to debt lenders are willing to lend at ? I am quite certain I read something about this a while ago. The reason I ask is because I want to close down all my credit card debts (£7,700). The monthly repayments are killing me, I fear I may default. My monthly outgoing have…
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PPI on closed loan account
I've seen the thread about cancelling PPI on active accounts but just wanted to see if anybody has had success reclaiming PPI costs on a closed account? Basically OH took out a secured loan (doh!) to pay of ex's credit cards. Buried head in sand after making a number of payments and losing job so they took court action…
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Loans
Morning all. I've been trying for a loan recently and with a credit score like mine I can't be that choosy, so I was pleased when I was accepted by Yes Loans. They sent me a letter welcoming me which set out a repayment schedule for the amount I'd asked for, all I had to do now was send back the forms and a fee of £49.50…
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Applying for an overdraft
Hi, I recently opened my first ever business banking account with Abbey National..I was attracted to the service, because I think it is the only free business banking account (or I think maybe A&L provided free business banking for a while..not sure if they still do?) and hence very suitable for a small start up. Now, I…
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vehicle loan probs,help desperate
Hi, not sure if this is the best site for help, but have on going problems with Nissan Terrano, purchased on finance just over a year ago now, I personnally did not go in it much to start with, but once I did I found that an old back, neck & hip injury started playing up, so much so that I found I couldn't get a good…
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Financing home improvements
Hi Wanting to have some work done on our house, was considering a remortgage with Nationwide for £15k, over the remaining period of the mortgage (21 years). Is this the best way to do this for such an amount or is it better to do a loan? Cheers.
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What's the best 'Reason for a Loan'
May sound like a strange question but I wonder why the banks ask for this..? What should I say....
