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Cancelling PPI - need urgent advice
I have requested that my bank cancel my PPI and refund all previous PPI payments. They have now said that they have lost the original agreement and have asked whether I have a copy. While I do have a copy I am reluctant to give them a copy as I feel that I am in a stronger position if I do not provide it. Anybody else…
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Need a loan-bad credit
hi, i'm new here but i need a loan to buy a car(when i pass my test) only looking to get a loan of upto £3k to be paid back over 2years(car and insurance for the first year this will cover) i have a low credit rating, not really sure why i'm 20 have not missed payments on anything i own for atleast 6months if not 12months.…
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Loan to pay off inheritance tax
My mother has just died and my sister and I are in the process of sorting out her estate. We will have to pay inheritance tax but as the tax has to be paid before we can access her assets I wondered if anyone had any advice on this. As neither my sister nor I have significant enough reserves to pay this from our own…
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advice please
I owe money to several banks total £43,000 i have no savings the loans have accumulated over ten years i have a small terraced house in joint names (myself and husband) due to ill health i cannot work my husband does not want to sell the house to pay off the debts Loans are all unsecured and in my sole name I have made…
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Halifax Loan
Having just cut my loan in half, halifax have refused to lower the monthly payment and want an additional 2 months interest (£81) if i pay the thing of early is there anything i can do to improve this situation? as it feels like i am being robbed blind. Hopefully i will be able to pay it all off later this month using the…
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Celetelem loan assigned to someone else - can they do that?
Hi there I took out a loan from Cetelem (originally I applied for a loan for Halifax and they passed it on this company which is a division of it I believe). This was in 2001. it was a 5,000 loan over 5 year @ £126 a month. In 2004 I was unemployed, got into financial difficulty and they said they would restructure the…
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Inappropriate / irresponsible lending
Hi All, First post here but have lurked a LOT! Wondered whether anyone could advise me on the following (it's a long story, I will try to keep it short.) My sister suffers from severe bipolar disorder (manic depression). When she had her initial breakdown about 8 years ago she had taken out £10K of loans with Lloyds TSB…
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Pay slips
Hiya i want to be open here ... well i am working fulL TIME and my problem is my company paying me check at the moment but not giving me any pay slip at the moment ,,, and i am looking forward to apply for the loan .... how much chances are that they will ask for my pay slips .. well if they wanna review my bank account…
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Deeper into the rabbit hole, but at least there is a little light
Just been into Halifax and Halfed my loan from £2600 to £1260 or so i thought. But appears that to pay it off early i have to pay a pently fee of £92 on top which is the equivilent to 2 months interest making the total £1352 :mad: This makes me cross as every move forward like this continues to put hurdles in my way. I've…
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Mini Select
Hi all,my GF has been looking to get a new car (a Mini) and has seen their Mini Select plan (PCP) Where you put a deposit down,pay a lower monthly instalment,and after 3 or 4 yrs have a final payment. Heres the link to the site http://www.mini.co.uk/UK/html/finance_insurance/finance_own_mini/mini_select.html What i want to…
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Bank turned me down for consolidation but Equifax records look fine...
Hiya, I'm new to the forum *waves* :-D I recently asked my Egg for a consolidation loan and they said they would only give me a loan to cover the credit card I have and the loan I already have with them. So I went to my bank (Barclays) and they said that they weren't prepared to give me a loan of any sort... My intent in…
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Loan company offering me more money..
to extend your term.. how guaranteed is this? I have a personal loan with Black Horse finance.. and they've sent me a letter saying that I can have an extra £525 by increasing my term and my monthly payment won't change which would come in REALLY handy right now as I could clear a debt with it (and if I could get a bit…
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Blackhorse - signing agreement at their office
Hi, Just after a bit of advice. We have applied for a loan with Blackhorse finance and we have to visit their office bringing proof of income etc with us. Is this normal that we have to go to them in person ?. Are they going to give us the hard sell to sign up to something there and then ?. Also I vaguely remember seeing…
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Joint Loan Removal
A friend of mine wants to remove herself from her joint loan with Lloyds TSB, are they legally obligated to replace the joint loan with a seperate single loan?
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help and/or advise needed
hello, i have recently managed to get northern rock to admit that they basically mis-sold me the PPI i had on my loan that i took out over 2yrs ago. they also admit that i have on my file many requests for it to be removed even within my 30 day notice period at the start of the loan. i have all this on a letter they…
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help urgently needed
Hi All am desperately in need of some advice. This morning i received a letter saying my husband has been declared bankrupt as of wednesday as we were under the impression that we had an agreement to pay monthly i was a little shocked! It turns out that another debtor has backed up the claim for bankruptcy so they have…
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cHEAPEST PERSONAL LOAN DEAL
Hi all, Just wnted to know if someone could tell me where the cheapest deal is to take a small personal loan to pay off my credit cards i'm looking for about £5,500 Thanks
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Loan Extension
I got a graduate loan 2 years ago for £8000 with the Natwest. I pay £250 a month and it is for a three-year period (so only one year to go). To date, all repayments have been fine with no missed payments or delays. I am currently in the process of buying a house too at the moment. The outstanding balance on my loan is just…
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Need Advice Urgently.
about 5 months ago i borrowed 5k from my bank halifax at a apr of 13.2% which really is not good at all. i was not happy with the rate but needed money at the time so i took out the loan. i wanted to get rid of the loan as quickly as possible and have about only 2k at the moment which i could use to pay off the loan. so i…
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Student loan repayment
Hi, There is something thats been bothering me about my Student loan and i could do with some advice. I hope someone can help me. I finished University over 3 years ago and earn above the repayment threshold yet there has been no deduction from my wages at any time. After about a year I contacted the Student Loans Company…
