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Is northen rock CCJ illegal, pleases help
Hi all, First time here and I need advice please. I have a Northern Rock loan and was sent a Letter Before Action in August 2005 because I missed 3 payments. I immediately rang them and paid the money owed straight away (the bank hadn't set up the direct debit and I didn't know). Whilst on the phone we discussed the letter…
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Is Northern Rock CCJ illegal, please help
Hi all, First time here and I need advice please. I have a Northern Rock loan and was sent a Letter Before Action in August 2005 because I missed 3 payments. I immediately rang them and paid the money owed straight away (the bank hadn't set up the direct debit and I didn't know). Whilst on the phone we discussed the letter…
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Loans and divorce!
I'm writing on behalf of my sister. She has left her marriage but the loans that were taken out to pay for the wedding and to buy her ex a landrover for the business are all in her name as he had such poor credit rating and was self employed. She can't afford to pay the loans and is working two jobs to try to keep afloat.…
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Ayway to get a "free" loan for 3 months.
Hi i looking to buy a new kitchen and the man does not take CC which i was planning to do as i havw 0% is there any other way i can do this and still not pay any interrest? ill have the full money in 3 months so dont want the hastle of getting a bank loan and all that comes with it.
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Welcome Finance- Any experience
I applied for a loan with these guys and have filled out all the agreements, signed it all, sent proof of address, wages etc etc, now they tell me that the manager has to authorise this, Im confused, have they already accepted me and is just waiting for the manager, they must have seen my credit rating beforehand musnt…
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Cancel PPI mid-term?
Is it possible to cancel PPI mid-term? My father took out PPI with his car loan, but I'm convinced he can get it cheaper elsewhere. It's been about 2yrs since he got the loan, could he cancel it and get a refund for the unused period and go elsewhere? Or would he have to repay the whole loan to do it? If so, would any…
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Best way to pay off car loan?
Hi, Can anyone tell me which is the best way to pay off my car loan, I owe just over £8000 which has another 41 monthly payments left at £197.97p. I recently asked for an early settlement figure, which is £6,905.33p. I would save a total of £1,285 if I paid it off now. Would a low APR loan be the best or are there cheaper…
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a different "loan" dilemma
We have a different problem, we have NO debt and therefore NO credit rating. We have decided we wanted to borrow 17,000 pounds for a purchase but no one will look at us because we have always paid cash for everything, including the houses we have owned. We live on a yacht, not in a house. We didn't have a mortgage when we…
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More Cahoot Advice
Hi first post - been reading a long time. Yesterday I got the cahoot "we are raising your interest rate to 14.9%" letter. Unfortunately in the past year I had some money difficulties due to ill health - I missed 2 mortgage payments and had collectors after me for council tax, and credit card. Happily i repaid the arrears…
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Bank Loan
After living abroad for five years, my wife and I on returning to this country took out a bank loan with Barclays in order to furnish our flat in 2001. Each year after that we were encouraged by the bank to take small Top Up loans giving us lower monthly repayments over a longer period. My wife will be retiring next year…
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Full early repayment calculations
Dear all, I'm planning to pay off a loan early, but I find it very hard to try to calculate the final settlement figure (and I suspect I'm making a few mistakes). My loan is with Natwest and according to the T&C there is a 2 month interest penalty for paying off early. These are the figures: Original amount: £7000, 11.1%,…
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online loan applications/to non loan companies
it seems that many online secured loan sites are not what they seem. I searched yahoo and found many sites I contacted were purley passing details on to real loan companies. this is a concern as I am not informed that this is happening. My question is how is this policed and how can these people make offers when they are…
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Northern Rock PPI - cheaper direct
A work colleague wanted to take out a loan with NR. He gets a phone quote and turns down PPI without a murmur from the salesman. Agreement arrives and, you've guessed it, PPI is included. Extra cost works out as £42 extra a month for 5 years. Thats over £1500 :eek: So colleague phones back to get the PPI off the agreement…
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Moving acconts
I currently have a current account with HBOS, and I also have a loan through them. The outstanding balance is £1300. I'm now going to be closing the current account, and moving to A & L. Now there is a internal standing order set up, if I am to move how are things going to change ? Do you thin it'd be better to get an A &…
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Abbey Loan 5.8 % fobbed off
Hi phoned up abbey about thier 5.8 % loan ,went through all the gubbings what they ask and they told me they could give me the loan at 6.3% I asked about the 5.8 % rate and was told to apply online which I did ,Got the paperwork through a couple of days the rate has increased to 14.9 %. I have a very good credit rating no…
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RBS Loan
Have posted part of this on the bank charges forum but it might be equally as relevant on here : I have a loan with the Royal Bank Of Scotland, which is due to finish October next year, it's paid for by monthly standing order via my RBS account. It and my Royalties Gold charge is the only payment which comes out of said…
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Cahoot Rip Off (merged)
Having had a flexible loan with cahoot for a year my rate recently went up from 6.9% to 9.2% at the end of the promotional period. I am shocked to have recieved an email from them a week later saying that they are changing the standard rate on this loan rom 9.2% to a whopping 14.9%!!! Theis is only about 2 weeks until the…
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RBS - Can they do this?
Hello, first time poster here. I've recently asked the RBS to lend me some money to pay off an overdraft that I built up when I was a student. I can't remember the exact figure but it worked out to be around 2500 at 70 odd per month. Not so bad, managed to get £1000 paid off in just under a year which left me with £1500 to…
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Zebra loans
Hi all Have any one heard of Zebra Loans, or even had any dealings with them ?? Any help would be great as this is the only company so far that has accepted our application. Thanks:o
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Please Help!
I am so confused by credit rating and I have three degrees in finance! If anyone could help me it would be very much appreciated. I live and work in London for 5 days of the week and most weekends I return to North Wales to my parents home. I have had a Barclays Account registered at that address for 18 years. However, I…
