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Alliance And Leicester Loan
Okay just got accepted for a loan with A+L but stupidly got talked into taking out life protection cover at an extra £17 per month, now i know i am stupid but when the loan papers come can i cancel this insurance and it not effect me getting the loan?, also if i cancel i.e not sign the life insurance paperwork that the…
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PPI Reclaim Dorothy Perkins Card. Please help
I have a dorothy perkins store card, i took out PPI, but it was not explained to me fully by the sales girl and she just said that if i see something in a sale a few weeks later i can reclaim the difference! I now know that's not true. I ended up with a CCJ because i was made redundant and couldn't afford the repayments. I…
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PPI Claim
Sorry if this is in the wrong place but I have tried to download the PPI claim letter for my daughter and it won't let me open it. Does anyone have it in word please? Thanks
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Want to pay off loan but am confused
Hi there, Took out a loan for £20,000. Can afford to pay off £10k of it now but when i phoned up the loan company they gave me a settlement figure of £19,908. Obviously can't afford to pay all this off and want to pay off £10k. They said that would come off the BALANCe of the loan which is £28,000, meaning I'll still have…
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PPI Reclaim from Smile
Has anyone been successful in reclaiming their PPI from Smile. If so could you provide me with some advice? Thanks
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Loans4u data protection
I've just had a letter from loans4u saying they have sold information about me to a third party but that they are offering free access to Experian to check on whether anyone is actually using it. Talk about cheek. Then it turns out that Experian might want additional information to make sure I'm me. What can I or what…
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Help! Welcome Finance
Hi, I took out a loan for £4160 on the 21st of March 2001 to buy a car. The payment plan was £242 every month for 36 months. According to my Experian credit report this was settled on the 4th of June 2004 and the total amount I paid was £8712 (I tried working this out and it turns out that I paid about 39 months worth when…
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Loan or not to loan???
Helloooo to all, My very first posting so plz be kind ;) ........I know u will! Well my predicament is we were going to move house but decided against it,so we thought we will put a conservatory on the back. We need £10,000 for the whole lot, So my dilema is; 1)Get a mortgage for £10,000(RBS 6.85% F.Rate 2 years) Over 25…
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Requesting a copy of the loan agreement?
I took out a 5 year personal loan 2 years ago and now want to pay it off in full. I requested a settlement figure and it includes a fee of app £100. Notes on the letter say this fee is dependant on your loan agreement, i.e. it may or may not be charged. Now I'm sure when I took out the loan there were no penalties for…
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Loan for car based on upcoming salary - apply now?
Hi Well I am changing jobs and will lose my company leased car so need to get one of my own. I will need to apply for a loan to do this. I start my job in about a month and my salary will be higher and then a little higher after 3 months and a little more higher after 6 months. Will the bank take this into consideration if…
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MBNA / Apple Finance?
Hi, Glad to see we are up & running again. Bought an Apple from the Apple store yesterday and took advantage of their finance. Was told to ring MBNA today to go through the process, spent over four hours on the phone without actually speaking to anyone, was on hold for four hours!!!!!!!!!!!! Is this a record? I can only…
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Is "life assurance" the same as PPI?
Hi, Please don't laugh if this is a stupid question- am very new to all of this!! Is "life assurance" the same as PPI? Because myself and my O.H. were told we had to take out "life assurance" for our mortgage, and on the statements it appears as PPI but apparently only covers death, and doesn't seem to cover the categories…
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Earn interest on a loan?
ok, so here's the scenario. My local council repaired a water pipe in my garden, I'm now owe them £1000 (ridiculous I know, but thems the breaks) Now unfortunately I don't have £1000 just kicking about, so will need to get a loan. No problem so far. The council won't bill me until Apr 08 (roughly), my question is, should I…
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Loan overpayments - help I'm numerically challenged!
I am new to posting so please advise me if this is on another thread! I have a £3000 loan with Natwest that I took out 6 months ago for 3 years. I'm not sure how much the interest rate is (I know terrible) but the total payable was £3604.35 and I am paying 101.08 per month. Natwest have told me that I can make overpayments…
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Reclaiming....
Hi all, i have been helping my girlfriend reclaim charges and have now managed to reclaim charges from Barclaycard. Total asked for £799 + interest total £1065 We said we would accept £799 if paid within 14 days. Barclaycard refunded £799 within a few days. We are very happy with that result! :j We are also trying to…
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Desperate Help Required Understanding an Old Loan
I had a loan with Black Horse Finance a number of years ago. The loan amount was £1500 with an APR of 19.9% over 36 months - monthly payment £54.45. Total amount payable £1960.20. In addition to this there was a Payment Protection Plan of £399.59 with an APR charged on this of 19.9% again. Creating an additional monthly…
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Loan advice
Hello all I have a personal loan and will soon be made redundant. I am paying for cover but this only covers payments for 12 months. My question is would they accept an offer to pay off the loan amount minus the years payment that is covered rather than having to come back after 12 months? Thanks for any replies.
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cahoot loan questions.
I am paying about £88 a month on interest with my cahoot loan which is 15.9%,i see barclay card can offer me until paid off 6.9% per annum which would mean much less interest to pay and also no balance fee to pay also,is is possible to give barclaycard my sort code and account number on this loan with cahoot and have it…
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First Plus PPI
Last December my partner and myself took out a loan from First Plus for £51,000 and they added £12,000 PPI....which i now know is a total rip off!! Received a letter today offering us £3200 which will be paid off the loan if we accept! Our payments will be reduced by £40 per month so i feel that a lump sum in my pocket…
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Personal Loan Question
Hi Everyone, I need a little bit of help and advice with something. My dad has recently past away and myself and my mum are going through the paperwork. We noticed that my dad took out a personal loan in Jul 2007 for £1500. He has made his first payment on 1st Sep and the next is due on 1st Nov however we have arranged for…
