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What do i do
This is something that everyone probably hopes for but it HAS happened to me I have had a letter from my loan company telling me that my loan of £10,000 has been paid and a early resettlement has been paid back to me but!!!! i have not paid the load off and know of no one that would have paid it off for me the direct debit…
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18 years old and looking for a loan
My brother is 18, just passed his driving test and is looking for a car. Ideally he wants to get a car for £3K or less. He is in full time employment and has been for the last 7 months. He earns a decent wage for his age and education currently taking home approx £850-900 a month. He has no other commitments bar a £37.50 a…
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Dell finance.. early settlement fee?
My DH has a Dell finance agreement (Which I'm presuming is the same as a personal loan.) and was wondering if anyone knew whether he would get any penalties for paying it off early? We can't find his agreement anywhere and he won't get chance to call them until tuesday... Thanks!
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HFC settlement figure
Is this right i took a loan out for £1000.00 over 36 months in july this year, total amount after intrest was £1697.76 but when i asked for a settlement figure after paying £1040.00 back they said it was £424.51 as they lump the intrest for the full term of the loan at the beginning so that £424.51 is the intrest…
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If this okay for a complaint letter
I roughly used the template that someone had posted. COMPLAINT Dear Sir or Madam, I took out the above loan for £20,000 on 14th April 2005. When I took the loan out I signed up for Payment Protection Insurance after being assured it was suitable for me as a temporary worker. I went into Barclays on 16th October 2006 to ask…
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Loan early repayment rip off - Northern Rock
Are you attracted to loans with low rates and no early repayment penalties? I was and Northern Rock offered a great rate of 5.7% with no penalty for repaying it early. I took the loan out over a 10 year period for £14,000, but after 7 months and a number of additional payments later I asked for a settlement figure. The…
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Barclays & PPI (long sorry)
Basically on Wednesday we went into Barclays to see if we can have the PPI removed, they informed us that we would have to apply for a new loan, which we did and were approved but at 19.9%, i said thanks but no thanks! Having read some threads regarding Barclays PPI and temporary workers I decided to check my hubbys…
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Advice for new car finance??
My girlfriend is getting a new car from reg vardy and has struck a deal with them but they are trying to charge her around 20% interest :eek: I wondered if anyone had any info or knew of any companies that could better this offer. Her CR is good enough for her to have been offered a mortgage for 5 times her wages at 4.8%…
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applying
I just applied for a loan with the Northern Rock and was turned down. How is it possible to get a loan as i want one to pay other loans(tesco, egg ), and to help with bill paying. I have checked my credit online with a credit search a few months ago and it seemed ok. Can they say why i was turned down? Can i apply for a…
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Cunning Loan Insurance Cost Cuts Article Discussion Area
This thread is specifically to discuss the content of the Cheap Loan Insurance (PPI) To discuss or ask a question about the article: click reply
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Whats with the Natwest
Applied for a loan with the Natwest and got turned down? Not sure why as got a good credit history. The phone goes ten minutes later its the Natwest checking if i found the application process ok, after excplaining i was rejected but didnt know why she offered to run the process again, hey presto im magically accpected.…
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How long do i have to wait before making another loan application?
my friend has a problem - great credit history until she made a mistake whilst browsing for loan quotations for 10k over 60 months - 2 companies made her offers which i didn't take up as the interest rate was too high then when she applied to another bank was refused - the assistant said she didn't know why but thought it…
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Car Finance Payment
ok - we recently paid a chunk off of our car finance - I think the amount outstanding was £1000 ish including the redemtion insurance etc. We paid £700 off, but still then paid the usual monthly payments for rest of the life of the agreement, The last payment is due 3rd Nov. Does anyone know whether we will be entitled to…
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Lloyds TSB loan
Mother applied for a loan today 10200 over 84 mths no PLPP 170.19 p/m after applying online, she twice had the message sorry, unable to process request please try again later. several hours later application was retried and the decision screen came up the following was displayed on screen: "Thank you for applying for a…
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Help with Loan charges
Hi there please can you help with what we should do next my girlfriend took out a loan with Welcome Finance a couple of years ago for approx £1200. Approx 1 year ago she topped up this with an extra £150 borrowed Shes not been good with the payments though they have got their money after chasing her up. They now claim she…
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Egg reduced my interest
Hello everyone. This is my first post. Tried to look for this subject so please forgive me if it's already been said..but I wanted to let you guys know that Egg just reduced my interest over the phone. My loan (stands at around £7K now) was at 7.7%. I asked for a settlement figure to pay it all off and the lady says "why…
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PPI on loans
sorry for asking this as i'm sure it's probably been answered in the thread below but can you cancel your PPI at anytime even if it's say 18 months after the loan started? thanks
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just applied for aa loan...
and been asked to call them as they need to ask a few more questions. anyone else been through this and what additional questions are they likely to ask?
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Acquiring New Car, Best Variable Rate, Balanced Payments Scheme
Hi There I am in the process of acquiring a new car and would appreciate advice on the best offers going. I am looking for a finance agreement that includes a 'balloon' payment at the end of the period. The raw facts are Purchase Price £51 000 Deposit £ 8 000 Amount to Finance £43 000 Looking to borrow over 36 months with…
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Joint loans. Help needed please!!
Hi all I'm hoping someone can advise me with my situation. My partner and I need a loan. This is to consilidate a loan (in her name) credit cards and to pay for our wedding next year. My partner has an excellent credit rating and has never had any late payments or anything. I, on the other hand, have had a few problems in…
