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Application information
Thinking of applying for a loan to buy a car as I no longer have any outstanding credit at all. However I moved out of my parents about 8 months ago and I am currently renting. The thing is all of my accounts such as my bank details and credit cards are still registered on my parents address. This hasn't been an issue…
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Ombudsman time limits
Hiya... after a little advice. Claiming PPI mis selling from Lloyds TSB and they basically offered me a goodwill payment of £1186 plus interest back in March 2006 which I refused as I reckon I am owed approx 3 grand from paying PPI :eek: but did not take things up with Ombudsman within 6 months of banks offer as stated in…
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What is payment protection?
I read about it, but still unsure? If I borrow 5k and pay back in 1 year from Abbey at 7.9% APR, its £479.66 interest I think with payment protection and £434.08 without, whats the differences? Thanks
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can i pay off
HI ALL I am new to the site,and would welcome any advice from you. i have a loan of £12000.since looking at this site has had me reaching for my paperwork,and to my horror,found i am paying £3347.79 on top of that for repayment protection insurance.is there any way round this that i can change to another loaner,or is it…
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Applying for a loan: effect of addresses?
I have heard that living in many different places can affect your credit rating and therefore applying for a loan. From September 2002 I was a student living away from home so obviously during holidays I lived with my parents but for each year of my courses (3 years) I lived somewhere different during term time, one year I…
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Student loans
They seem to be imune from any kind of debt help programme. My partner tried to defer the loan when he lost his job in 2003 however they refused this as he had no proof of income and this racked up £1600 in interest. He was able to defer the loan when he lost his job in March 2006 however but they are still pressing him…
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Lenders Question
just curious that...... why lenders always check through the credit reference agencies even some time they reject you coz of nothing even you have excellent credit rating ..... then wots the point for disappintment... why dont they check in a proper manual way like checking pay slips and account informataion to make sure…
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A&L loan interest - not what they advertise
Applied for an A&L loan today at 5.9% as on the internet. What a performance. FIrst they insist I take out the PPI ( I suppose you could argue that they want to protect their money but £38 a month?). Then they are very happy to offer me 9.6%. Then (after a few words), offer me 7.6%. Then when I tell them I am putting all…
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Just Interested.
I've read a few of the posts and came across one where someone was looking to transfer a portion of a loan to a credit card. Is is possible to make additional payments to loans? It could well be that I just haven't done my homework but thought I'd ask here as it might save my eyes reading all that small print.
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Ppi Refund - Yippee
Just want to sat thanx to this fantastic site for assisting me in getting a refund on my PPI that i was mis-sold a few years back. I'm now loan free and i've got some spare moolah in my back pocket. Thanks once again
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My departed Wifes Loan & CC
Hi everyone I would just like some advice about my late departed wife’s loan and cc I informed the bank of her death but they still charged me all the interest on what she still had to pay back on both of them but I was informed that both accounts would be frozen at the time of notification of her death but they have…
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scared of beening turned down
Evening I require a loan of approx £7000 ( im changing mortgage lender in 5 months) for a new kitchen & Bathroom. The rate my current bank offered me was 14.9% APR!:eek: (HSBC) I have just recently opened Alliance & Leicester’s Premier Direct* account i know that my credit report with experian is good (thats who the A & L…
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How accurate is Moneysupermarkets SmartSearch..?
Any ideas on how accurate the sites SmartSearch facility actually is..? I was infromed that the HSBC CC deal was available to me based on my answers to their brief quesionnaire which I thought was quite surprising..
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Loan problem advice...
Hi, I wanted some advice re: a loan I curently have with Northern Rock, which was originally taken out for the purchase of a car. I have had a massive change in my financial circumstancs and am now finding it difficult to meet the monthly payments (though I have not missed any payments). Does anyone think the loan company…
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Personal Contract Purchase - Car loans
Does anyone know the formula to work out how much a Car PCP loan costs for a given APR, loan amount and residual figure? It is very easy to work out the Interest calculations, hence monthly payment, on a given APR for a straightforward loan. However, PCP calculations are a complete mystery. Thanks.
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Residential status on loan application?
Noob! Longtime lurker 1st time poster etc with a question! :question: When applying for a personal loan, what do I put as my residential status? Usually, your options are homeowner without mortgage (!), homeowner with mortgage, rented, with parents and good old generic "other". Basically, our home is mortgaged but my…
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Very bad credit scdore, anyone still do loans.
Due to a bad year last year work wise (self employed) my credit score is now very very bad. Since then ive turned it around and i have a very good job, but i need to commute and thus need a new car, its ot accecable by train or bus, ive seen a car for 5k but ive been turned down by everyone, any ideas please. I can easily…
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Loan break down
Hi I was just wondering if anyone can explain a problem ive got with a loan im thinking of applying for. I've got bad credit and need a loan to get a new car, i was refused by halifax but my details were passed on to Affinity to get me some finance which they've managed to do. Im just slighty confused about the figures…
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PPI on a paid up loan...help needed
Hi everyone I've never poasted in the loan section before but Martins program the other night got me thinking...and has raised a couple of questions for me... Firstly I took a loan out with the halifax about 3 years ago and paid ppi at the time with the loan that loan was due to finish nov next year...however I paid it up…
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wentworth direct finance
has any one had any dealings with wentworth direct finance. if so what are they like ? thanks.
