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first plus payment protection
last year in sheer desperation me and hubby had a £50k loan from First plus. We chose them as they said they were part of Barclays and Carol Vorderman was doing the avderts on tv so we thought they were a reputable comany. I have recently asked for a settlement figure on the £50k which came in the post as being £62k. We…
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help with calculating % on loan
Hi, my mum wanted to buy a new car, so i went with her to drive a Kia, when they came to the finance stuff the guy only told us the monthly repayment not the APR, I quickly calculated it at about 20% i then said she could get a loan cheaper from her bank, the guy then said he would get the financial woman to come and talk…
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Credit Agreement Date
Can someone please advise me if a credit agreement has to be dated. On one of mine it has been signed for on behalf of the company but it has not been dated. And if there are any regulations about this I would like to know what they are. Thanks
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whats my options?
i am in a bit of a predicament, i hoped someone on here would be able to help me. i have a current loan with theAA (they were the cheapest at the time) i currently pay back £222 per month this was ok when i was living at my parents house and i had a disposable income however i have just got a mortgage for my own home (in…
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Lloyds TSB Loan with protector & daft rate!
I took out a 6k loan with Lloyds tsb to clear my vast overdraft and some other debts. I stupidly took out the loan protector and accepted a whacking 14.9% rate (due to my circumstances). In retrospect this was a bit naive but here i am anyway! It's now coming up for a year. I've comfortably repaid my 12 installments. I'm…
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Rule of 78 abolition for loans taken out before 2005
Hi all, I have an unsecured personal loan that was taken out with Northern Rock prior to 2005. I now want to pay it off, and have read in various places that the Rule of 78 charge on loan redemptions is due to be abolished this year for loans taken out before 2005. However, I can't find the date that this new ruling is due…
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£40,000 loan, what to do, advice please
Hi all, I have a friend thats got herself into a mess, I won't and can't go into detail. Basically she needs £40k. Where is the best place for a loan/loans? Should she get one loan or more? She could afford to pay £500 per month. Her mortgage is only £300, I told her about re mortgaging, but she says this is not an option.…
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Welcome Finance
Good Evening All, just a quick query!! I have a loan with Welcome Finance and I am wondering if they offer payment breaks/holidays? If they do provide this are there any charges or nasty surprises later on in the loan like ridiculas charges for doing this? Thanks in advance Jay
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taboo subject?
apologies if this is the wrong forum. can anyone offer advice on asking parents for financial help? ie: deposit for house, loans etc. my own parents received quite alot of help from both sets of parents: a business, a few houses plus cash if they needed it, however I have asked for help over the years and been made to feel…
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Advice please re Yes Loans
Last year before we found this site we applied for a loan through a company called Yes Loans. We stupidly believed they were giving us a loan and we were going to consolidate etc with it. We sent off the payment of I think it was £48.50 by postal order with our application. It wasn't until afterwards on googling the…
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Is this allowed
On Friday i went to get a loan from Black Horse finance, They offered me more than i actually needed but i stupidly chose to agree and signed the papers. Later that night when i was speaking with my other half we decided that i did not need the money and would try and cancel the loan. I was unable to get in contact with…
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Loan...
I have a car loan with halifax for £6,236.00 (2.5yrs) remaining, would like to increase this loan to 7K for home improvements. I have a penalty to pay halifax, not sure what the amount is but does any1 think its wise to move banks & pay the penalty or stick with halifax?
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Short term car finance
Duplicate thread
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Short term car finance
Hi I have just arranged to buy a car for £5,000. I need to finance it for the short term, probably around 6 months, until the proceeds of a house sale come through. Obviously I want to avoid anything with repayment penalties. The dealer has been trying to get me to take out Renault Finance on a 5 year package, and tells me…
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advice please?
or any suggestions, or tell me to stop worrying.. I have two debts that i wish to combine, an overdraft on my barclay account, around 2000 (im currently mid-process on reclaiming money) and an existing barclaycard loan with 3000 left. I also have a mortgage, had it for a year and never missed a payment. Now, i'm not going…
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Horrendous Settlement Figure off Welcome
Hi, I'm currently remortgaging and I have a secured loan from Welcome Finace that will obviously need to be paid off as it is secured to the property. Got a settlement figure and its frightening compared to what we borrowed. Have spoken to someone at CCCS and they've told me take the original agreement down to the CAB.…
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Beneficial Finance - Complete and utter tools.
Beneficial finance have been screwing me out of money for years on my personal loan. I had to use them because i had no credit history at the time and no-one else would touch me. 4 Years down the line and i want to pay the damn thing off and they're making it very difficult. Apart from the fact that because the APR is so…
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Egg loan repayments
again...!:mad: :confused: Ive currently got a loan with the aforementioned, paying a set amount of £250 per month...however..! I was under the impression when first taking out the loan that each month, £250 would be deducted from the running total, ie the 7.9% interest was added when the loan commenced? At the moment, in…
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Car Loan
Hi There, I have been a browser of this forum for a few month's and the advice on here has been really useful but I now have a specific issue I need some help with. My trusty old car has got to the stage where it is very much on its last legs, so I want to get myself something newer and more reliable(hopefully). So I want…
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still repaying loan 18 years later
Hi, My parents took out a loan 18 years ago with a company called portfolio[now first national bank] for £4,000. It was paid over 4 years, and after that time they believed that the loan was repaid in full. shortly after this they were informed that they had only been paing the interest and now had to start paying the…
