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I believe I was missold 4 loans from TSB
I believe I was missold 4 loans from TSB In the space of 18 months I was sold 4 loans despite being well over my overdraft, my visa had gone to a DCA and my mortgage was well in arrears. Can I do anything. The debt on the loans has just been to court, I didn't attend as I have had a breakdown and couldn't face it. The…
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NR unsecured loan at 8.9%?
Hi everyone, Still finding my way around so forgive me if I'm asking a silly question. I recently applied for a Northern Rock unsecured loan (without 'insurance') to help me with a 9k tax bill and today I have an offer letter of 8.9%. This seems quite a way from the 5.7% advertised and I am minded to see if I can't get a…
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Hp or lease hire on new truck?
MY oh has a small roofing company and currently has his truck on hp. He wants to trade his truck for a newer one . I have had 2 quotes from different suppliers, one swears by hp and the other one is pushing the lease hire. We have recently gone vat registered what is our best option? Thanks in advance
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Loans for Businesses
Hi guys i own a business [a typical newsagent!]. i was just wondering if there are any advantages of getting a cheap/discounted business loan so that i can use it for investment purposes.....
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In trouble....
In April 2001 I took out finance for a car with Welcome - I didn't realise it at the time but the monthly repayments of £180 for a £2,500 were way over the top. Anyway I fell behind with the payment so they restructured the agreement so I'd only pay £45 per month but the term would have been something like 7 years. Out of…
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Credit card required?
Have just looked at the Moneyback Bank termsand conditions, one of which is that "You must have at least one credit card, store card or loan / HP agreement" Dont have any of the above. Do other lenders need you to have a credit card? Should I perhaps get a moneyback card as recommended on this site first before making…
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Can i get a better loan?
hi i have a £12000 loan with Barclays taken out last september to pay for a new car and to consolidate some debts (whether that actually worked is another matter!) we currently pay about £206 a month at 15.9% was wondering if i can switch my loan to maybe get a better deal with someone else (if i can) and if i can how long…
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Loan Limit
i have got an account with abbey national (current acount) i am just curious how much loan i can apply for the first time. i thinking about 20,000 as i am working full time and earning more then 20,000.
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loan v protected rights pension
hell I will shortly be recieving a protected rights pension worth about £32,000. paid to me about £450- £600 monthly. As I would rather have a lump sum, I approached my bank, Royal Bank Of Scotland for a loan. I have been turned down by other low rate loan companys for credit reasons.(rates as low as 6.5%) My bank is…
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Banks Loans. Can these be 'mis-sold'
One of my relatives has ridden up debts with his bank because the bank kept rescheduling his and his wife's loan(s) to the piont where it should have been clear to the Bank by comparing income and expenditure that they would have severe financvial difficulties before the loan(s) was repaid. His wife has a seperate loan and…
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Help needed please......Endeavour???
I have got a loan with Endeavour Personal Finanance - The company from hell!!! Me and my ex-husband took out a loan in 2004 for 19,300. We were advised we had to take out PPI which was £5000. They didn't tell us that it would be added to the account and interest charged on it we have only just found that out. Me and my ex…
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Consolidation Loans
Hi everyone This is my first post on here!I currently have two loans that I have with Lloyds tsb,I took the last loan out last year on the proviso that I didnt borrow any more money for a year.That year is almost up,but in the meantime I have obtained a mortgage on a property.Do you think its likely that I will be able to…
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Is a Secured loan my only option..?
Just wanted to get some thoughts on my situation.Firstly due to my chequerd credit history,I'm not going to qualify for any reasonable unsecured loans or low interest cards at present. My bank(Barclays) are not able to assist with any further borrowing at this stage which I explained was to clear my overdraft and a small…
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Are we entitled to a refun from PPI
Hi My BF has just cancelled the PPI on a loan with Northern Rock - they have redone a new loan at a higher APR how nice. He made 11 payments on the PPI which was a whooping £111.31 per month. Under the loan agreement it says "if you do not wish to continue your northern rock personal loan payment protection plan after you…
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bear with me its complicated
Hi all, I urgently need some advice on a problem I am having at the moment or to be more specific a debt my husband had with lloyds tsb it was for a credit card that we got in so much trouble with that it is now a ccj we have gone through some really bad times credit wise and life wise and we are on the way to sorting most…
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5 years loan. 36 months to go.
Hello I currently have a 5 year loan with Liverpool Victoria, interest rate back on this is 6%. I pay £269.62 a month. Once my august payment is paid in August I will have paid up to 2 years. The 36 month would seen a good time to try and shift to a lower % rate elsewhere. Can anyone recommend what to do? a) A lower loan…
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How do you get out of a secured loan?
Hi... I have 2 secured loans with the Halifax. I would like to get out of them and feel I was duped into them by saying that I would get a lower rate rather than how it would be bad for my credit score. I have 1 loan with £3600 left and about 3 1/2 years left. 8.9% and 2nd loan has about 20 years left and is about £19K…
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Is A Bridging Loan The Right Answer?
Hi, I'm looking to purchase another property to do up and sell as quick as possible, would I be better off getting a Bridging Loan? cAN ANYONE RECOMMEND ANY GOOD COMPANIES. mANY THANKS
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Loan for home improvement
Hi, everyone I need a loan around £1000 to renovate my home. Well, I am planning to pay it off in 2 years. Could anyone please suggest me that which loan option would suit me? I don’t have enough time to consult lenders. Actually, I don’t want to pay any fees to get this much amount. Well, I am hopeful that I will get a…
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Help Needed Urgent Hsbc
Hi, I have a managed loan with hsbc .i was given a solo card and had a current account. I missed couple of payments this year 2006 due to some serious problems and as a result of which i have got a new managed loan recently done with hsbc where payment start is sep 12, In march hsbc retarcted my solo card since i did not…
