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Anyone heard of this finance company
Hi my mum in law enquired into getting a loan, and she got a reply through the post saying she had been accepted and that she had to send off £49 as a processing fee and they will in turn send her the loan form agreement. She showed me the letter, but I have never heard of companies doing this, let alone the company…
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castle finance
hi can anyone tell me if castle finance are any good as i dont want to get ripped off i have had a application form sent to me its dosent say in you have to pay a fee please help thanks
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Claiming PPI
Hi Quick question can I claim PPI back on loans that I have already settled? How do I do this? thanks
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Need Advice Regard Expired Loan Please
Hi Folks, I have a bit of an issue with two loans which i could do with some advice on. About seven years ago i went through a bit of a tough time with redundancy etc. Anyway it resulted in me losing my house and haveing a bad credit rating to go with. It has been a long process getting back up there but finally my credit…
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Need Loan Advice for Negative Equity
Hi everyone We are in the process of selling our home and for several reasons we will be renting instead of buying. However our solicitor has advised us that we will be £10k short once everything is settled - there are 2 mortgages on the property. We have approached both of our mortgage lenders for an unsecured loan to…
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A.p.r. On Loans
Dear Money-savers, I have recently applied for a loan with a High Street Building Society (A&L) and was attracted by the t.v. adverts 6.3% a.p.r., however, although i currently am just finishing a loan with them at this rate, they now tell me the rate for me is 12.3% !!! I have checked my credit rating with experian ( all…
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Consolidation (as a reason) - Is it a good idea?
Sorry but another question... when giving a reason for a loan, obviously you have to be honest but I'm considering one for debt consolidation - will this automatically make me look like a high risk borrower? Will it affect the APR I'm offered and exclude me from the cheaper 6.x percent rates and push me up into the 8.x and…
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Loan Protection - is is mandatory? can it be?
I took out a loan some time ago with HSBC and was told they would only consider my application if I took out the loan protaction with it (I dont normally), most places usually state its 'optional'. Can they insist on Loan Protection? What if I say I'll get my own independant loan protection - does that count? regards A.
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Bank of Scotland Loan 6%
Don't bother applying for Bank of Scotland's 6% loan. Our credit cards are paid off in full every month. We have no debts and we were offered 7% after giving all our detais online. Wish we hadn't bothered.
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Quick Question
Is a default the same as a CCJ?
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Egg Loans - 30 LETTERS AND COUNTING
I have made arrangements with a debt company to come to agreements with 3 creditors I owe money to, one of which is Egg Loans. To begin with they sent me an official default notice. In the space of a month they have sent me THIRTY more. What started off as a bit of a joke with 5 or 6 has now infuriated me to the point…
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Career development loan
Hiya I don't know if I'm in the right place here but I wondered if anyone could give me some advice. My other half applied for a career development loan which came through in 2004, this was to do a driving instructors course. He paid a deposit of around £800 as the loan only covered 80% of the course cost. He is now paying…
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finance charges/bank charges ?
Hi this is my first attempt at this so if this has been asked before I apologize. I took out a car loan about 4 yrs ago and it is @90% paid off, I recieved a letter yesterday saying that I am £263 in arrears with arrears charges of £952 I have heard a lot on the radio and seen on this website that a lot of people are…
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Lloyds offered me a loan!!
Already have a £4000 loan, started last august,(down to £3000, something)paying £102 a month, owe £3000 on their credit card, manager offered me, a new loan of £10,000, but at monthly repayments of abt £366!! I thought this was so high!! Is it?
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Uncle Buck APR 2339.30%!!!!!
I kid you not, this is advertised on ITV 4 every ad break last night. I first thought it was a joke. How can they get away with it. The ad is scandalous, 'get a loan til pay day so you can have the things you really need like clothes or a holiday'.What? Martin, if you have not already exposed them, please do. Check out the…
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1st Loan - Advice Please! :)
Hi, I'm an 18 year old musician and I'm thinking about getting a 10k loan to pay to get an album of my music recorded and promoted. I've never had a loan or credit card before, I don't have a credit history. Also as a musician my income is not entirely regular, obviously I only get paid when I can get the paid gigs, I've…
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Loan Advice Required - Please Help!!!!!
Hi, I recently applied for 3 different types of credit one being a credit card with RBS which I successfully got with a credit limit of over £2k which is my first ever credit card. I also applied for a mortgage with my partner but due to his poor credit rating was refused. Additionally I applied for an unsecured loan of…
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Wrong Name on Credit Agreement
HI, I'm a newbie to the site :rolleyes: but have followed Martins advice for a long while since hearing him on BBC radio2:T . I have already reclaimed over £700.00 from my bank using the templates on this great site:D . I am now in a bit of a quandry :confused: as I have a loan with lloyds but the name on the agreement is…
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loan
I might have posted this already...new and confused.!! My husband died 2 years ago and his estate is still being dealt with by our solicitor! Evidently my husband took out a loan several yaers ago and this was insured at the time.It seems now that the loan company are saying that the insurance is invalid as my husband did…
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Loan
My husband died 2 years ago and my solicitor is still dealing with the estate. My husband took out an insured loan in his name for use with a small business which he ran with a fellow director who has also since died. The loan company tell my solicitor that the insurance on the loan is invalid because my husband did not…
