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(un)Welcome Finance
I have received a mailshot from Welcome Finance today, saying they've been passed my details by Bright Finance. Their letter states that their TYPICAL APR is 45.3% - I am sorry, but how on earth is this company allowed to get away with such scandalous rates?? No-one, no matter what their financial history, should be…
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Can Egg terminate my loan?
Hi all, I'm wondering if anyone has some words of advice... I have an Egg visa card with £500 outstanding, which I paid off today. I also have a loan of £8501 with 3 years left to run (originally 4.5 years). I got a phone call from them yesterday asking me to call them as it's been 1.5 years since I got my loan and they…
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Getting rid of Debt Collectors
I have been told by my son that there are Templates on this site whereby i can ask these companies for proof of signature. If they cannot provide this signature then i can take further action against them. Advise from anyone would be great please.
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Where is the best rate for a secured loan - £25k, not a remortgage..
Hi, I am looking for the best rate for a secured loan on around 25k please, paid over 15 years. Anyone know the best place and rate. Would prefer to be able to agree by mail/online if possible due to personal circumstances. Thanks.
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Unsecured loan vs credit card? plus other newbie questions
Hi, Im looking to borrow £4k over a 3 year term, something ive done before with no problem from my bank (barclays), however when I spoke to them I was surprised to hear them say that as they hadnt got anything 'prequalified' for me and this meant I was likely to be refused. Doesnt make much sense to me as my history should…
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Best unsecured loan providers
I am trying to help a friends daughter with regard to her existing loans. She has 6,000 on a mastercard paying 170 per month minimum and a previous consolidation loan for 7,000 costing 175. Due to circs beyond her control she has had to move back with mum and the cost of commute plus loans is leaving her with a little more…
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Student Loans scam
Has anyone else seen this petition on the No.10 website? http://petitions.pm.gov.uk/Student-loans/ It seems as if students who took a loan out are getting a raw deal as it emerges that salary deductions from wages are not immediately paid to the Student Loan Company but only on an annual basis, as a lump sum payment. This…
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Cancellation of PPI @ Northern Rock
I've tried cancelling my PPI with Northern rock loan and cancelling this policy wasn't easy as it seems.I was told that my original loan was to be shelved and re-apply with a new loan with the remaining balance on the loan.My original interst rate is 6.9% and the lass who handle the query sound confused if 7.4% was to be…
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Help please! I'm so confused...
I have taken a loan for £3.5 k with Lloyds TSB about 10 months ago (5 year deal@19.6%):mad: , this was reccommended to me by my bank manager, to cover my maxxed credit card (£2.5k) and current account overdraft(£400). I took this loan with the PPI , again recommended by my bank manager, who told me that I might not be…
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Northern Rock Refuse Interest Statement
I have a personal loan with Northern Rock and they are refusing to give me a statement of how much interest I have paid since the personal loan was taken out in mid 06. They will give me a list of the payments but I, I think, quite rightly would alos like to know the interest as the bulk of what I have paid to date will no…
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Hsbc Loan Conditional
Hi as I have already posted today explaining I have been refused by my bank Nationwide I decided to give HSBC ago as I have a credit card with them and as I now have several searches on my file thought I would give it one last shot before I give up for another 6 months. I called them and said it was not declined but was…
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Need Money Fast (but need a good rate)
Hi all, I need 4.5K fast, so need a lender who agrees the loan and gets the money out straight away! Obviously I still want a low rate :money: Any ideas? Cheers
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Firstplus - ripped off!!!!!
Hi, I took out a secured loan with Firstplus at the end of November, have paid nearly £1000 to them, the interest rate has gone up twice in 4 months adding nearly £40 to my monthly payment. I have re negotiated my mortgage so I can get rid of Firstplus and have been told I owe more than I borrowed!!! It turns out you have…
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RBS decline then an interesting phine call.
Hi, I applied for an RBS loan last week and I was declined. I then had an agreement with M&S. Today I had a call from someone who I think was from RBS saying that they can offer me an alternative. Its not a loan but they freeze all my interest and I pay back what I can afford over a period. They said that I wont get credit…
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Loan charges refunded - advice please
I have recently recieved a letter from my bank, which enclosed a cheque, refunding me for some charges they applied to my loan account in error between sept and feb 07. I now wonder if these charges will have added to the total loan ammount still left to pay off, when they were applied to the the loan the interest would…
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Creation CF loan
Hi. I feel extremely stupid as I purchased a fridge last year from Westgate House (the Coop) and took out ther interest free option with a company then called Open and Direct of Belfast (now renamed Creation CF) which was one of these deferred payments for 12 months schemes. Unfortunately, I didn't see the small print…
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Loan Help Please !!!!
Hi, I really need some advice, I know I need to start paying my debts down but have tried to apply for a loan from my banks and mbna, both declined. The reason told was mainly because they said I am overcomitted / over in debt. I am stuck now as if i got a loan I could have halved my monthly outgoings form around 750 to…
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Appropriate Compensation from Bank Error
My bank have given me a loan that I haven't signed for, nor agreed to the amount! I got a consolidation loan last year, and cancelled the Protection by adding my name to a hand-written statement in a different branch. I received no confirmation paperwork. So I complained, only to find their error I've now been given a copy…
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Need £60K in the next 72 hours
I need £60K in the next 72 hours for a business deal. I have about £200K equity in my house, plus other assets and a good income. Who will lend??
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loan protection
how do i complain about the misselling of my loan protection, Im self employed and now realise the wont pay out,cheers kenny :confused:
