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Expired?? Credit Agreement
Sorry I'm not sure I'm in the right place here but have a good question for you all, it's a bit long winded though. Ok easter last year me and my partner decided we wanted to buy a new carpet (renovating a house so the plan was lay carpet as each room fininshed). So off we go to a reputable carpet chain. Picked a carpet,…
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Small Claims Court - a question
It looks like I'm going to be pursuing a claim via the small claims court :-( I just wondered if the person I am pursuing for monies owed needs to be a British citizen ? The person is a South African married to a British citizen. He came her on a work permit but now probably has applied for residency having been in the UK…
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Black Horse
How flexible are they with regards to accepting people for loans and has anyone used them / would you recommend?
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Help,"fair"credit but still refused,any similar examples and how did you overcome?
Hello, this is my first post EVER so pls be nice... Applied for a loan today with Natwest which was pre-approved to the sum of £12,000.00 and they kept offering me everytime I went in there. I finally thought it was time to reduce me monthly outgoings and consolidate my debts: 2 credit cards (one of which is their's) an…
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quick question re:egg loan
hi both me and my husband have egg loans with ppi we got these via the internet as already had an egg card. Now im sure that when we signed for these you could only get it if you opted for ppi (sure it said if you didnt require it you had to call them) well we never did stupid i know! can we claim back our ppi? and does…
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Loan from AA - APR Change
Hey guys I've a loan with the AA which is at 8.0% and was for an initial sum of £25,000 - this was the best we could get at the time. The term was 6 years - 9 months of it have gone all paid OK. Today the AA phoned and gave the spiel about 'valued customers' etc and said they could reduce our rate to 7.3% if we take more…
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Egg loan - Capquest
Hi, I am posting the following on behalf of a friend, it has been put on another site, but in an effort to reach a wider audience, i offered to post on here too. Any advice would be greatly appreciated. hi every one. I am new to this today but i have been reading and sifting for last 4 hours though all the threads and this…
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I've cancelled my ppi today
and am hoping i've done the right thing. It is going to save me £76.79 a month, a total of £9214.8 over the loan term!! Can i get it any (or a lot) cheaper?
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APR Calculation
Hi I have found a new website called SwiftQuote.co.uk and has just saved me £760 as the finance company calculated the APR incorrectly, Result !!!
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Pre-approved LOAN question....
Pre-approved LOAN question.... This is similar to my other question. I have been pre-approved for a loan by my bank I have been with for 5 years. and my credit rating is good. only thing is that my salary doesn't come to this bank account. It has some money coming in, here and there... and some going out (on spending -…
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Picture Finance fined by ASA
I can't find a news link, but Picture Finance have been fined by the Advertising Standards Agency over their TV advert: the borrow £25K (and, if you catch the small print, repay £43+) one. Its a pity it wasn't the FSA, but we live in hope.
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Loan Charges
Hi, Can anyone tell me if you can claim back loan charges the same as bank charges? I have been charged £100's over the years by my Loan company for late payments / missed payments plus £20 every time they ring me etc. Granted, if i had paid on time every month then there wouldnt be a problem. ps. im with Welcome Finance!!…
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Been Pre-aproved for a loan BUT !- some questions...
I have been pre-approved for a loan for about £7000. This is because I have been running my current account well. All that i need is to do an application at the bank (or phone or online), to see the outcome. The banker said they don't require any proof of ID as I have been banking with them for some time. I work full time,…
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missed loan repayments
Can anyone tell me if a bank is under any obligation to reschedule loan repayments? Our daughter (against advice) took out a loan with her bank, she is a student at university and works part-time. As predicited, she has run into difficulties meeting the repayments. She did what we thought was a rather sensible thing and…
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Still waiting...?
Hi folks. I applied for a Co-operative loan on Sunday online. They advertise a call back within an hour during working hours, or later at weekend. It's now Tuesday night and I've heard nothing. Should I assume I have been rejected and they have bunged a note in the post? Or is there still a chance I have been accepted and…
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Loan to help raise 5% deposit??
Hi Hi got offered a mortgage at 90% we got the first 5% but need the other 5% are there any loan company's that do loans for rasing deposits on houses, we have had bad credit in the past, and i still think that effects us. Thanks Again
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ripped off by brokers
i recently paid out 100 pound to loan brokers and got nowhere..had an offer from flm loans..needed a homeowner to take out loan for me..any body know any places who dont charge a fee:mad:
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Another PPI Question
We have just taken out a loan with Black Horse for 15k. Monthly payment is £290.94, which includes PPI of £76.79. They said that without the PPI we couldn't have the loan, but there are so many loopholes in insurance, that when you put a claim in, its never, or very rarely paid out, so what's the point? I haven't made a…
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welcome finance
i have had a few top up loans over the past 5 years with welcome.i had been told i had to take out ppi to get the loans. in the letter,do i just put 'i have had top up loans over the past few years and told i had to take out ppi.i would like a refund of my money.will they look back on previous aggreements as i dont have…
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What Is Ppc
does anyone know if i can claim back payment protection cover.is it the same as ppi
