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Loans

Archives for October 2007

hsbc managed loan
has anybody got hsbc managed loan like me,2005 i started it.£11,200 it was then i asked for settlement figure and they told me£10,167 plus £70 interest i was excepted for £10,000 loan but it would be for 7 years with ppi £189 per month or £151 without ppi. i pay£145.47 for managed loan but got that loan till 2016 what do…
Debt collection called about going beyond overdraft limit - what to do?
Hi all, A friend has asked me paniced today about a call he had from an independant debt collector saying they're working on behalf of Natwest bank. My friend has recently gone over his £1k overdraft limit by mistake to the tune of £600, and this debt collection company said they had they had bought the debt of Natwest.…
Advice needed on PPI
I never thought I would be doing this, but here goes! I took out a loan in June for £3,800 with Halifax (my own bank)over 7 yrs:eek: . I was all fine with it til I saw Martin's show. Repayments of £88.92 I could manage that so there was no problems. However, times have changed and I have been on signed off sick with a…
citi finance - mis sold a loan ??
hi we took out a loan with citi financial in july 06. we were told that after 4 months payments we could apply for a refinance and then the apr would be reduced as long as we kept payments up. now 1 year later we are still waiting, i have phoned and askedthem. when 4 months came i rang them and was told no its 6 months. 6…
Loan advice needed for house deposit
I need some advice. I have found a really cheap house for sale that would mean I would pay less for the mortgage than I am paying in rent. Unfortunately I don't have any deposit. I have been advised that I would need a 5% deposit which is £4000. I already have a loan with Natwest for £3000 and would need (!?!) £3034 to…
Reclaiming Ppi From Alliance & Leicester
We bought a static caravan in 2004 and took out PPI. After the recent news about these policies,I wrote a letter to A & L requesting repayment of the PPI as I believed we had been missold the policy. The loan was done by telephone and the operator recommended the PPI as my OH is self-employed. She said it would be better…
PPi HELP
:mad: After watching the tonight programe it prompted me to look at my PPI which I have on a securred loan/mortage I stupidly took out at a reduculous rate. The PPI was over £3K lump sum on the loan so I am paying interest on it throuout the 10 year loan. I was never asked if I had any existing medical conditions at the…
PPI Help Please
After watching the tonight programe it prompted me to look at my PPI which I have on a securred loan/mortage I stupidly took out at a reduculous rate. The PPI was over £3K lump sum on the loan so I am paying interest on it throuout the 10 year loan. I was never asked if I had any existing medical conditions at the time and…
re ppi nationwide credit card
Hi everyone, please can someone help me. I got a nationwide credit card back in 2002 I did ask for ppi, but I then paid it off and then closed the account. I then repopened the account in 2005, but I never resigned for ppi, can I claim this back. thanks toni
LLOYDSTSB Loan Protection Insurance
Hi All, I have sent my template letter to Lloyds And there response is that If I had made a claim during the period of my Loan's then they would of paid even though I was Self -Employed. I have been self-employed for 20yrs and had 3 loans in that period, Each time they have lumped the loan insurance on from the start and…
Sharks?
Have today received a mail offer for a loan for xmas from Provident personal credit.Having read about similar companies in the past i checked to see what the APR was.Believe it or not its 183.2% and yes the decimal point is in the right place.I was pleased to note however they promise "no hidden costs" so thats all right…
Claiming PPI on an account that has been closed
I know there is at least one loan that I have paid PPI on, trouble is it was consolidated (I know bad news!) and when it was I shredded the paperwork, I can pick out the date the finance was taken out from credit history but how do I get the companies to supply details of the loan or credit card, things like the account…
Secured loan, worth paying off half early?
Hi! I recently took out a secured loan of £17000 to buy a new car. I was going to go for car finance but to keep payments low I went for a secured loan with the facility to overpay so that when I was having a more "flush" month I could overpay, rather than being tied to a fixed monthly car finance payment. But.... I then…
yes loans !!!! what are they like ??
has anybody had dealing with yes loans ?? www.yesloansuk.com i have just checked their webpage but wandered if they are as bad as welcome finance ?? thanks for any help
Lloyds TSb - stalling ?????
I received two letters in response to my letter re PPI reclaim.<o> </o><o></o>Lloyds state that it could take some time to investigate.<o> </o>How much time would you consider reasonable before I proceed to the next stage and contact the Ombudsman ?<o></o> <o> We're talking over £3k claim here </o>
Should i chase LLoyds TSB
Hi all, I have a Lloyds TSB Trustcard that i have been paying 'payment protection cover' for almost 9 years, i was always under the impression that it was compulsory and indeed i cannot remember agreeing to take it out or being given any details about it - ie i thought it was a neccesaery part of having a credit card. Plus…
Please HELP !!!
Hi i need some help and info please. Got myself into bother with loans about 9 yrs ago. Anyway, defaulted. Now paying back everymonth. Equifax doesn't show my dets as more than 6 yrs old, as i thought was correct. Yet i checked experian and the dets of these loans are showing. My credit rating has now went from Good(as…
PPI reclaiming when paying through DCA?
Hi there, sorry if this has already been posted, I have looked for a while, and I can't find what I'm looking for. I have recently started a payment plan with a DCA for an egg loan which is approximately £8k. On reading my original paperwork, the PPI is a hefty amount, and as the loan was arranged over the phone, I'm going…
PPI with Lloyds TSB Black Horse
I have a secured loan with Black Horse which I took out in August 2005. I got a couple of quotes before I went ahead with this deal, but I was told by the salesperson that if I took out the loan with PPI I could have a rate of 10.9%. Do you think I have a claim for mis selling this policy or being a pushy salesperson. The…
ppi
i bought a car from yes car credit 3 years ago and i was told if i wanted the car i had to take out the ppi. after 2 years i sent the car back as i couldnt afford the payment now a year later they are still on at me that i have to pay £1,800 that i still owe on the ppi why should i pay ppi on a car loan i no longer have ?…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
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Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
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Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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