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'Concerns' Dept
I am in the process of trying to reclaim PPI for LTSB credit card but so far have only got as far as asking for and receiving some of the information that I have asked for. I must admit that everyone that I have spoken to up until now has been very helpful and polite. I have been told that the remaining information was…
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Managed Loan with HSBC
Back in January 2004, I wanted to consolidate my overdraft, personal loan and credit card debt of £7k but I told the bank (HSBC) I could only afford repayments of £150 per month. My bank agreed on the basis that I took out a "Managed Loan" which has an interest rate of 13.9% (at the time being 10.15% above the bank's base…
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Abbeyloan Advice Required...
I had a Cahoot flexible loan and due to the spiralling interest rate decided to follow their advice and apply for an Abbey Loan. The rate on the Cahoot loan was 15.9%. I was accepted for an Abbeyloan with a fixed rate of 7.9%. After working away for 3 months my wife asked why Abbey were taking £320 a month instead of the…
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Zopa Listings
Zopa have just taken the social lending game one step further with the new listings service allowing one to put up the loan requirements and have the lenders bid against each other to drive down the rates offered. For anyone interested in seeing the latest developments here is the link. www.zopa.com/ZopaWeb/Listings/
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Shifting a loan to a credit card advise please
I am looking some advice from more experienced folk in this area. We have a load of £5000 for home improvements which we stretched across the time of the mortgage to make it affordable. I am not in good circumstances regarding salary etc. I have heard of credit cards that offer deals like 4.5% on term of debt. I am…
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Standard fob off letter from DLC?DAF
Hi Everyone :kiss: Sorry everyone,i think I may have posted this in the wrong thread,so I have started a new one...... This is my first post on here... so here goes.. This is the letter I recieved from DLC.. We have set out our position in this matter and have responded to your previous correspondence. However to clarify…
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GE Money legalese- can anyone translate
I currently have a complaint about PPI insurance lodged with GE Money and it's being looked at. It's only £350-ish but we wouldn't have paid it had we not been told the loan wasn't available to us if we didn't take it. We are now in a position to pay off the loan and have asked for settlement figure. In the settlement…
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contact number
i need to get a contact number for my money lender the one i have is constanly engaged and i want to change my address and contact details before my repayments are muddled can anyone advise?? please??
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will i have a bad credit rating
i defaulted on a loan about 2 years ago, it never went to court, it just went to there solicitors im now on my last payment next week :rotfl:will this thing prevent me from getting finance in the future, have i now got a bad credit rating. we want to try and get a mortgage in the new year and i dont want this hanging over…
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Settlement figures affecting credit ratings
Just been told by Beneficial Finance that if I pay back my Personal Loan Plus using a settlement figure that they give me, which is lower than my curent balance, it could effect my credit rating. Is this right? - surely it can't go against me if I am settling a loan using a figure that they are giving me and agreeing to?
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Reclaiming Mortgage PPI`s
Hi, i had a PPI with nationwide which i claimed on earlier this year and then cancelled the policy. My question is can i claim back the PPI on my previous mortgage provider Halifax who i did not claim on the PPi while i was with them. Thanks:beer:
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Credco
Hello all I don't know if I'm writing this in the right forum but I was so annoyed by an advert that I heard on my local radio station that I had to say something... The advert was for a company called Credco that do SMS loans, this is what they say: Now there’s a new way to solve your immediate financial issues – Credco.…
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Building up a credit score
Was wondering what on earth was needed to build up a credit score.Myself and my Gf both defaulted on credit cards about 7 yrs ago(all paid in full around 5 yrs ago)Anyway since then we have kept our heads well above water.And like most have things we pay for monthly.Theres the morgage(never missed a payment)Sky+ which we…
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PPI Advice
Can anybody please offer me some advice. I took a loan out last year through Loans.co.uk. I was told when taking out the loan that the ppi would be best for me from the answers that I had given to a demands and needs questionnaire. I do not recall that they told me that it would be a single premium PPI and that this would…
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Barclays Grad Loan PPI question
Hi all, I took out a barclays graduate loan in Jan 2005 for £6k over 3 years. I was pressured into taking out ppi to favour the application. Can anyone suggest whether or not they think i am eligible to reclaim the ppi costs? Also if i were to claim, should I do it now while i'm still paying the loan back or should i wait…
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Bank Loan to pay off mortgage ?
I have an endowment mortgage and considering cashing it in ,putting it towards the mortgage and paying off the mortgage in the remaining time I have (4 years) The outstanding amount would be £12,000 over four years. I am currently with the Halifax and the best interest rate they offered was 7.49% However,what is to stop me…
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ppi
HI ALL having sucessfully reclaimed £3800 bank charges from a hight street bank i am in the process of claiming a ppi back having looked at the paperwork from our secured loan can not believe they were have charged me £14000 for a insurance which last just 5 years tried to cancell have offered me a refund of £1062.51 we…
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Can I Reclaim PPI payments
I'm an It Contractor working through my own one man Ltd company. I recently tried to claim on an insurance policy with my Halifax credit card but was told I must shutdown my Ltd company first. I refused as this would mean I would have to start a new Ltd company before I could take another contract. Due to my refusal,…
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PPI paid back!!
Hello everyone#this is my first thread Am sorry if not in right post. I have just received a letter from EGG saying that they have refunded my loan balance with £1600 after my complaint to get back PPI that I did not want to take, It certainly was more money than I thought I would get, but I was wondering if it would be…
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credit company problem.
The trouble started in 2005 when we got a window company in to replace windows and doors and guttering, windows and doors were done they said we had to sign a piece of paper to say the job was done, (was no small print ) and someone will be out to fix the guttering. Which they did send someone out only to be told they…
