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Canceling a credit agreement
Hi, Can you help. I recently (Sun 30th Sept) part ex my car with CarCraft for another vehicle. I have issues with their selling techniques of which i will share at a later date. For now i urgently need to cancel the credit agreement which has atronomical interest now that i have taken the time to read the small print. Do i…
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wentworth direct finance
hello all. has anyone on here ever had a loan from wentworth direct finance? i only ask as a friend of mine needs a loan but she has a very poor credit history and is unable to get a good deal on a loan.they have offered her £4000.00 over 4 years at 15.2% apr.i realise this is not an ideal situation but wondered if anyone…
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no record
2 years ago i had pvc windows fitted through a finance option. through many phone calls to the finance company i found out that the window company have not passed on the relevant information, like the total lending i have taken. What are my rights if they try to take all the money
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Advice Needed
I have 2 loans which I have been paying for the past three years. I can no longer afford all of the payments how can I reduce them? I tried speaking to one company but they said "I have to pay".
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Student Loans!!
Hi, I have had my student loan for over 4 years and not payed it back due to not earning over £15k. My girlfriend has had hers for the same time and started paying it back for the past 18 months. my question is, i want to go travaling to new zealand for 2 years and wantend to know if we have to inform them? would they only…
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Cheapest Personal Loan?
Hi, i am after a personal loan to replace my finance on my car. My settlement figure is £6300 on the car but am looking at only borrowing £5500 plus adding to this from savings to pay it off, what i would like to know is there a loan that would let me pay extra on top of the standard thus reducing the the interest and…
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Help with Credit report!
Hello there. I have been reading this site for a while now and I finally have a question! I recently received my Equifax credit report. I have 2 defaults that were issued in Sept 2001. My equifax report last month showed a D for default in Sept and a S for settled in Oct for both accounts. As it has now been 6 years I…
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Mortgage paid off, now what?
My husband and I aren't sure where to get the help we need. Last year our mortgage was paid off through our critical illness cover, I have multiple sclerosis. We would like to do some work on our house. We've got prices for a conservatory and a kitchen. There are other things on our list too. We would like to borrow around…
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Can i claim compensation??????
Hi, Don't know whether anyone can help me or not? I took a loan out a few years ago and finally paid it off in December. I have now found out that the company haven't settled it on my credit report and had the nerve to default me 2 days AFTER i paid it off. This has been on my report for 9 months longer than it should have…
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Just moved back to England and can't get a loan.
Hello... I wonder if i could get any advice. I have lived here all my life but between 2005 and 2006 I lived in Japan. I recently applied for a Loan and was rejected because i haven't lived in the country long enough. I was also told that it applies to Credit Cards as well. My current Loan rate is far too high and i wanted…
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First Plus 'variable APR'
Has anyone had any experience with First Plus? I know it's a "loan of last resort" but mine is a last resort. I have £25k in personal loans and cards and over £60k equity so am looking to hugely reduce my monthly outgoings. I have successfully credit scored for a loan with First Plus for £25k at 6.9%, however they have…
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I Will Pay $1000 For Commercial Loan Leads
I work for a commercial lender that will look at anything on the commercial side from 500K and up. In exchange for your leads we offer a broker compensation plan which will pay you $1000 and up per lead plus a percentage at closing. Let me know if you are interested. Brad 847-712-0841
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Loan or extend mortgage??
Hi all... looking to pay off some debts and extend the house.. just pondering which would be best a bigger mortgage or a secured loan??? Here are the figures: Existing mortgage £140000 Property value £280000 Looking to borrow £65000 Debts £25000 Extending costs £40000 Had the house for a year - A1 credit history. Joint…
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Life after debt...!
I'd just like to post to tell you my story, and to explain how being stuck with a very very bad credit rating need not be the end...... 14 years ago, I split with my 1st husband and went through a very nasty divorce. I came out of our marriage with ALL the debts (as he was paid cash, all our debts were in my name, so I…
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Unsecured Loan
My Mum has recently died and I am the executor of her estate. She had a loan which was unsecured, I have been told that they would not be able to apply to the court for payment of this loan from her estate as it was unsecured.....Is this correct?? Kim
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Consolidating debts for a better life
Hi everyone, I am now in prosession of 19000 pounds and ready to make the phone calls to the companies i owe money to, Before i do I would like some advise on settling the accounts and gaining a substantial discount. For example if I have a credit card loan with tsb for £3000 and I ring them with a settlement figure how…
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Car Loan Options
Here's my problem - not a bad one but I need some advise. My partner and I are moving to Spain next year. Not for the sun - she's Spanish and wants to go home. But earlier this year, I brought a new car on finance. Currently there is just over £10,000 to pay off. The car is worth around £8,300 according to the guides so…
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Claiming PPI
Hi Can anyone help! we recently took a loan out and we were told that we had to take the PPI but could cancel it after 30 days, not being organised we never cancelled it and have been paying it, Is this classed as being mis-sold to us and are we able to claim it back?
