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Discount for repaying CCJ early
I currently have a ccj with a high street bank that is five years old and I still owe £4600 on. However I am in the position to be able to pay this off and am wondering if it is usual to ask the bank for a discount for early repayment. I am paying it off at £152.00 per month and have never missed a payment but still have a…
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Worth reclaiming a year's PPI from FD?
In Sept '05 I took out an unprotected personal loan with First Direct which I applied for over the 'phone. At the time it was strongly implied that they would be unwilling to issue the loan without me taking out PPI. Not being in the know at the time I grudgingly caved in, as I needed the money. One year later - thanks to…
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Loan advice with bad credit history
i have applied for a loan, to consolidate existing credit card debts, i when through ocean finance and it's a secured loan, it's for £11000 over 10 years (they said at 15.6% APR) but from the £180 per month pay back this don't sound right!! even though it sounds like a dodgy deal i am still thinking of going with it, as i…
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Unreasonable Behaviour Clydesdale Financial Services
I have just written a letter to Clydesdale Financial Services because I feel they are behaving unreasonably. Just wanted some view from Forum Users. I've changed personal details for obvious reasons Customer Relations Department Clydesdale Financial Services Account number: 020****************** Dear Sir/Madam I am writing…
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Car loan, finance & HPI
Hi All! I previously suffered from bad credit which thankfully has now been sorted. As I have not had any credit since, I've not had the chance to repair the damage. I have a new job that requires a car and was hoping to gain credit from the likes of Welcome etc.. I am reluctant to apply to certain companies due to getting…
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Advice needed on paying off Car Loan
Just wanted some advice, I have a Higher Purchase agreement on a car which I took out over 3 years. At the time I was single and had plenty of disposal income and so looking back I just went for the easiest finance available. I borrowed £5000 and as a result of my lack of reading the small print I ended up being charged…
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Desperate and Scared
Hi, this is my first time posting here, and is a desperate scream for help from my husband and I. Here’s our situation. We moved house in March 2006. We have a mortgage of £165,000 and the house is valued at around £190,000 I am employed full time and earn £20,5000 pa. My husband is self employed (Driving Instructor) and…
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Beware of Welcome Finance.
I want to share my experience with you so that you benefit from the information. These lizards keep messaging me that I have been accepted for a loan (haven't even bloody applied after November...) and that I need to call them ASAP. well after the 5th message I did. Firstly, they dont tell you their names, most…
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Need some advice please regarding overpayment.
Hi there Don't know if anyone can help but I'm in a pickle. My old employer overpaid me in October and November. I pointed out November's one but hadn't realised I was overpaid in October. I put the money to one side but ended up using some of it over christmas. I have been waiting for 2 months for them to tell me how much…
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"Managed Loans"
Can anyone help me please. Through no fault of mine my business had to close 2 years ago. At the time I had a business loan and personal loan with HSBC They talked me into having a managed loan to pay it off but warned me that the interest would be high and that as soon as I could I should convert to a conventional loan to…
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Northern Rock
Hi all Im about to take an unsecured loan for £22000 @6.9% I have been accepted and had PPi at the lowest level. this is adding an extra £30 per month to my repayments. Whats the best approach should i send back agreements and try and cancel PPi after loan set up or cancel PPi before i agree to the loan? Basically i dont…
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Bad credit rating loan...urgent help needed
Hi all, Basically ive got a christmas hangover and have around £1000 in arears. Considering ive missed loads of DD's i am now over my overdraft limit due to fee's and they keep coming. So i have less and less money to pay bills every month which means more and more arrears. So ive decided its time to do something about it,…
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Personal Loan
I want to get a personal loan for £15,000 and I am looking to repay within 6 months. Can anyone please suggest the best option Thanks
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Rule of 78-ends for existing loan holders in 2007?
One of Martin's articles says "New rules have stopped Rule of 78 for new loans, yet there’s no respite for existing loan holders, for whom it continues until 2007." Does anyone have any further info on what happens this year for existing loan holders and Rule 78? ie does something kick in which legislates against Rule 78…
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Secured Loan Early Settlement
12 months a go we took a £28,500 loan out , which we also took out insurance on to run along side it. (insurance premium total £7000) We have just asked the loan company for an early repayment figure and they have told us it will be £34,500. They are giving us £1000 rebate on the insurance policy. Its in their terms &…
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provident personal credit
just after some advice if you think i should complain to this company about one of there reps. this is the story i have been propositioned (if this is the right word) by a provident rep 3 times in as many weeks i feel i,m being targetd just because i walk through precinct with a pushchair does this mean i obviously skint…
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Should I apply for a loan?
Hi me and boyf are thinking about getting a small loan to buy a car. My boyf earns around £18500 but has missed a few credit card repayments over the years, I have no idea what his credit score is. I only work part-time so only earn £15000, my credit score is 803 which experian class as fair although I have not missed a…
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Were Nat West Acting Recklessly With My Loan?
about 3 years ago i was working in a good job, had my own personal nat west bank manager and was generally doing well. i asked nat west for an £8000 bank loan for various stuff, which without even checking my income, my manager agreed, then about 3 months later i asked for another £8000 for a car, thinking i could afford…
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Advice on Cancelling PPI.
I wonder if somebody could help me. I have a secured loan for £15,000.I am currently paying £35 each month for PPI. I have read the agreement and there is nothing in there with regards to cancelling PPI. Should I just write to them and say I want to cancel it or should I go down the mis-sold route. I did tick the box to…
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Loan Settlements
Hi Folks Im about half way through paying off a four year loan. I am in the position now to pay off the remainder. I phoned the loan company (A+L) for a settlement price and they were not giving me much off the outstanding amount. Is there another way of clearing the loan and saving a few extra pounds while I am at it.…
