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Dependents? Marital status?
I'm assuming there is a purpose of credit scoring when on loan applications I am asked if I have depedents or what my marital status is. Is having dependents and being married give a better credit score?
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PPI on vehicle finance
Good afternoon, I believe that I was genuinely mis soled PPI for my hire purchase agreement although the hire purchase is now complete. The hire purchase was from 01/03/2003 and ran for 35 months. The PPI was £36.67 per month. The person who was selling me the finance knew that I was self employed and said that PPI was…
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citi-financial
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 asked them. when 4 months came i rang them and was told no its 6 months.…
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Paying loan off early... or not...
Hi There, I have a loan with A&L and before Christmas I was thinking about paying it off (around £3500).. But after reading around it seems that some of the early settlement fess are pretty high so what I was thinking is, open another account, put the current balance into it (£3500) and set the direct debit up for that…
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Secured loan settlement
Hi all, I need some help and advice from all you consumer champions out there. 5 years ago, I took out a secured loan (no other option at the time) through a reputable broker ( Ocean). It was for 28K over 15 years. Over the last few years the interest rate/repayments have risen alarmingly, but I have always kept the…
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Stopping PPI
Hi everyone. This isa my first post so am not sure am doing it correctly. \need some advice. Last year I took out 16,500 loan from LTSB. I have tried to cancel my loan insurance as after reading this site realise it is overpriced and for myself not very useful. Was told I should have a 2700 insurance rebate and that thus…
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RBS Grad Loan Problem
Hi all I have been called by my bank saying that i need to sign a new loan agreement as there is a prob with my graduate loan in that the limit is reducing faster than my outstanding balance (meaning in effect my loan would not be repaid in full within the period), so my account looks as though it is in arrears even thoug…
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my ppi
I sent in a claim for my ltsb credit card on 29th oct and have recieved a letter back dated 31st oct. The contents read ...... I am sorry that you have had cause to complain. Thank you for bringing your concerns to my attention. I have arranged for a member of my customer service recovery team to carry out an immediate…
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Back The Petition To Ban Ppi Sales **************
Despite tight regulations by the FSA, Loan companies are still selling costly payment protection insurance to consumers. this product can be purchased independant of any loan at a far reduced cost, and without any conflict of interest. How can a loan company with insurance targets be trusted to sell an appropriate product…
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Advice needed about car loan?
Hi everyone, This is my very first post, although have been using MSE to try and get finances from red to black, it working v slowly! I took out a loan for car a year ago over 5 years at 14.1%APR. I wanted to pay a bit extra towards it but the company said it wasn't their policy to allow that but they did accept early…
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Early settlement of loan
I took out a loan through G E Money to pay for my windows. The safestyle rep told me I could make additional payments and clear it early He gave me a chart showing how musch to pay if I cleared it in a year. A part of the agreement says for illustration purposes if I cleared the loan witin 1/4 of the term the following…
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ppi & the aftermath
i am iminately about to hear the outcome of my claim for ppi with the halifax but was wondering how the bank has been with people after they have made a successful claim i.e have the bank demanded overdraft monies back etc... just a bit worried on that front as we have one, only £200 into it at the moment but am i right in…
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putting a charge on a house
I am not sure if this is the right forum but here goes. Four years ago I lent my sister £3000 as part deposit to buy a house. I transfered the money into the client account of the solicitor that she used. The agreement was that she pay me back in 3 years when she could re mortgage. I did ask the solicitor at the time if I…
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PPI Reclaiming from Egg - Anyone had any luck
Has anyone had any luck re claiming repayment protection insurance from egg? Would be interesting to hear people experiences before I send off my claim. Thanks James :beer:
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Remaining Repayment, calculation?
How can I calculate a settlement figure on a loan if I were to pay it all up today? For example, I will soon have more money coming in a month so wish to pay my loan off quicker. How can I calculate how much is left to payoff if I paid it today?
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Loan account charges
Hi. We had a loan out 4 years ago which is due to be finished early next year. The account is under my husbands name and i left the repayments to him. The thing is, out of interest i picked up a statement for the loan account and to my horror found that over the past 4 years the bank has been charging £10 a month to…
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Free loan confirmed by loan agent in writing..
Hi, I am about to buy a car. Carloans4u have offered me a loan for £8050 over 4 years from British Credit Trust for my car, which is (once I confirmed all the details) quite extortionate in way of the APR and charges. I was confiming some details with the guy from carloans4u about the early settlement figure. On the…
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Free loan confirmed by loan agent in writing..
Hi, I am about to buy a car. Carloans4u have offered me a loan for £8050 over 4 years from British Credit Trust for my car, which is (once I confirmed all the details) quite extortionate in way of the APR and charges. I was confiming some details with the guy from carloans4u about the early settlement figure. On the…
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Cahoot not acting on instructions
I posted a request to my Cahoot loan account asking them to make a one-off direct debit payment that would reduce my balance to zero. They have not acted on it (two months in a row) so I have entered a complaint. According to their T&C they have eight weeks to resolve my issue before I should take it further... Assuming…
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Paying off an Anglian Windows Loan early
My partner took out a loan over 10 years with Anglian Windows in June 2002, which he has been paying back at approx £85 per month. He has now received a letter from GE money increasing the interest rate so the repayment is over £90 per month.He has phoned to ask what the total settlement figure would be if he repaid early.…
