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Being chased for Loan that has been paid off
2 years ago I phoned up the Student Loan Company and asked to pay off my loan in Full (the old style loan). I gave my debit card details and they took the money. I then cancelled my direct debit just to be on the safe side and a couple of days later I got a letter confirming that my loan had been repaid in full. Fast…
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Money Problems
OK here goes....... My father passed away recently, leaving my mum widowed. He was the one who dealt with all their finances and I now have the task of sorting them out. My father had cancer and in the last month of his life, in his confused state of mind, took out a loan to pay off his credit card debts in what I can only…
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Royal Bank of Scotland PPI reclaim - any success???
Hi as the thread says. I would just like to know how you have gone on with this provider in recliaming a loan PPI? I sent a letter on the 19th September and have heard nothing. Are they easy to deal with or are you struggling with them? Thanks Tabby
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Refused Loans for no reason! Help
Hi I am currently trying to get a 10k loan for a car purchase. I currently have a car finance with Ford which i will be settling in order to purchase the new car, but i am having problems getting one! I have no credits cards, no store cards and no overdraft. I believe in paying for things with what you have in your bank…
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link financial
Hi I dont think this has been asked before so here goes... My neighbour came to see me saying she had had a phone call from a post delivery service trying to find me. They rang her as she lived in the same road as they could not find a phone number for me. They left a number for me to ring about post that had been sent to…
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rejected by Barclays, need serious help plz
I just come back from my bank, Barclays and been refused a loan of 3000. I was told that there was something on my credit report, a 'marker' in the bank adviser's words' that caused this. I had been overdrawn a few times lately which she pointed out. She then said to re-apply later when the credit report is better. I just…
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183.2% APR PROVIDENT Personal Credit
:mad: :mad: :mad: :mad: :mad: :mad: Have just recieved a mailing asking me if I want a cash loan. I cannot believe the apr of 183.2%....is this the highest rate ever found on this site??? The company/loan shark is Provident Personal Credit, details can be found here at www.provident.co.uk Surely these people must be…
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I've just changed job, should I wait to apply?
I applied for a loan on 15k with Northern Rock. They called me today and offered 10k, however I've just found out I've got a new job which includes an 8k payrise! :T Should I tell NR this in hope that they increase the offer to the 15k I require? They stated on the website that for offers over 10k I'd need a three…
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Guarantored Loans
Hi, I've recently made some (typically) bad decisions and have some mounting debt issues. I'm currently spending more on credit card repayments that I'm actually paying off (near as dammit) it's going to take a squillion years to pay off. A relative has suggested I could take a gaurantored loan (with them as guarantor).…
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Can I reclaim my PPI?
Few months ago I got loan from Lloyds TSB. I noticed that there was PPI included (in Looyds it calls Personal Protection Cover I guess). I ask what was it, the salesperson explaind me, I said I didn't want it and he replied that I must take it if I want to get the loan. Loan was 6000 pound, insurance itself over 900and was…
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Strange Experience with Northern Rock....
Hello I was hoping somebody could perhaps give me an informed opinion. I and my partner have just applied to Northern Rock to additionally borrow a further amount on an exisiting loan. At the start of the call I advised fully of the amount we wished to loan and he stated that the amount was no problem pending credit checks…
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Remortgage and Car Purchase Loan - 2 birds 1 stone?
Folks, Just wanted your thoughts/opinions/experiences on the following scenario. In the next couple of months my fixed mortgage is due to expire and I'm shortly going to start the process of remortgaging to another deal rather than pay the SVR. Around the same time I'm due to change my company car. I've more or less…
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Loans.co.uk
A couple of years ago, I enquired about a personal loan from Loans.co.uk. As it happened, I didn't bother taking it out, but in recent months I've been plagued with marketing calls from loan companies.Today I received a letter from Loans.co.uk which stated:-"We recently learned that information relating to you may have…
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Too Many Credit Checks
Hi All I recently did a number of checks in a short period of time, all of which I was rejected for. Browsing this site, it appears to me that too this will adversely affect my credit rating. How long will this negative info (the rejection, and the multiple checks) last on my credit file? Your help will be greatly…
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finding it hard to get a personal loan ....
Hi there I was just wondering if anybody could give me some advice. My husband and I own our house, our mortgage is very low and we have never missed a payment. We have both NEVER had a credit card, store card ... we would like to borrow approx £20,000 to make some home improvements so are looking into the most reasonable…
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Letter suggestions?
Hello, I originally posted the below thread on the bank charges forum and got a couple of replies (thankyou) but decided to concentrate on my reclaimation process first. I'm still working my way through the timetable but now feel I need to address this aspect of my 'relationship' with Lloyds TSB and would really appreciate…
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Letter suggestions?
Sorry thread was posted twice for some reason. Apologies
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Loan Details lost by the bank.
Recently moved house and lost my original load agreement details. Phoned my bank to send out another copy so I had the agreement number but was told they didnt have any details either. Yet this bank is still withdrawing the money for the loan from my account. Is there anything unusual about this. Might be a longshot but…
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loan/business advice
been working at the same place for a few good years and really know how the place works. ive found out that the business is owned by 2 owners and one of them wants to sell up. thing is the business is doing well, the only reason he wants out is to concentrate on his other business. im interested in maybe making an offer to…
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Getting so close
Well back in December 2004 I took out a £16k personal loan from Nationwide. I've now paid nearly 3 years worth of payments, with my loan due to end in December 2010. Last month I also canceled my PPI, which resulted in them sending me a cheque for (off the top of my head) approx. £850. Which I have since paid into my…
