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Help with Lloyds tsb loan
Hi all, First time here but ive read through alot on here and your full of top advice:beer: Ok,took out a loan with Lloyds 3 years ago and have paid them back on the dot each month without fail,recently ive worked out my money and i cannot afford the 260.00 per month payments anymore,what i wanted to ask is if i cancelled…
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Hi all - I am wondering about how deep the checks are by loan companies
Hi all, like the forum and am hoping you can help me... I am going to try and extend my current A+L loan as it had a good rate. I will be taking the amount due back to the £5000 I originally borrowed (I think I have paid back £3000 so far approx). However, I plan to tell them I am currently in full time employment even…
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Increasing HSBC Flexi Loan
I got a Flexi Loan of £2k from HSBC for a car about 6 weeks ago. My circumstances have changed slightly, and I need an extra £500/£1000, should there be any issue with getting this increase?
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Car Loan - low Payments
Hi, I am thinking of purchasing a new car, but would like to have a bubble payment at the end. My thinking has been to borrow £8,000 over 5 years - with the intention of setteling in year 3. My concernt that loan companys will calculate there replayments, with me paying off the interest first, then the amount i have…
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Lloyds TSB Loan Help - reclaiming!
Dear All I really hope some of you knowledgeable folks can help - there is so much stuff on here and I have read through loads but do have some questions with regards reclaiming PPI. I will first of all give you a brief (as possible) run down of my situation. I took out a loan for £4370 in December 2005. At the time I was…
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Do I borrow or not?
I have taken a loan of £24000 approx including interest in jan 08 from bank for consilidation.(the £24000 includes my partners debts who has terrible credit) I have also a buy now pay later plan with a IT couse which is £6150. This is now due in july, and if not paid within 12 months interest goes to 30%apr with monthly…
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Need personal Loan - Bad Income, good credit rating
:p Thought I'd take a leaf out of TheKeyMaker's book and ask for some advice of my own regarding a loan, although my circumstances are more the other way round. I'm needing around £30k, ideally by the end of the first week in June and am only needing it for a shortish period of time til some money comes in from a job I'm…
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Newbie.go easy on me...Conditional Sale agreement suggestions please.....HELP!!!
Hi, can anyone help with any suggestion for exiting a conditional sale agreement? I found a car on the internet, made enquiries, was declined credit from a prime source, and then proposed to a subprime lender by the dealer. During discussions I expressed to the dealer that I may be in a position to put the deposit up to…
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Newbie.go easy on me...Conditional Sale agreement suggestions please.....HELP!!!
Hi, can anyone help with any suggestion for exiting a conditional sale agreement? I found a car on the internet, made enquiries, was declined credit from a prime source, and then proposed to a subprime lender by the dealer. During discussions I expressed to the dealer that I may be in a position to put the deposit up to…
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Black Horse Finance - Unsecured Loan
I have applied to them for an unsecured loan, and they have accepted in principle after a credit check but want to see me for more information. Anyone had dealings with them and what sort of additional stuff to the online application form do they need. Is it a review of income possibly, and if so then how do they calculate…
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DCA for Insurance company
I've been pursued by a DCA,supposedly acting on the behalf of Elephant.co.uk. I sent them a CCA request form a while back,but in hindsight I forgot to ask if they would be bound by that request? Also I wrote and cncelled the insurance with elephnt a good couple of years ago.Why would I now be getting pursued?I was up to…
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Student loan interest
I received this morning my annual statement for my student loan which stands at £1406.10, the interest for the 01/04/07-31/01/08 being £40.92. It indicates the status is 'In Repayment', though the earned income threshold is £15,000 so I haven't actually repaid anything yet. I was surprised to see on the reverse of the…
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Unwanted calls from lenders
Hi everyone, I have been looking for a loan, but have now decieded not to go through with it (as the APR is so high for us students!). Since I found some lenders from moneysupermarket, and applied to some companies online, I have received loads of e-mails,texts, calls and post. I would be so greatful if someone knew how I…
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natwest cannot loacte credit agreement
if a bank cannot locate your credit agreement for a loan, and i do not have a recalculated copy where do i stand? i cancelled PPI on a loan and did this over the phone, but my loan term has gone up 2 months and i have been told it is a new loan, therefore i should have a new loan agreement, but dont and cannot recall…
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Statutory Interest from Halifax loan
Morning all, Can you good people look at this letter for me and see if the wording is OK. Thanks in advance Dear Sir or Madam, Thank you for your remittance of £378.24 in regards to my claim for mis-selling of Payment Protection Insurance (PPI). I accept this sum, as a gesture of goodwill. Not full and final settlement.…
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Northern Rock loan at 15% - help please!
Hi everyone We are just coming to the end of our current mortgage deal with Northern Rock. As most of you know, NR no longer want our business so we are looking elsewhere, however NR have advised us that if we leave them, our unsecured loan attached to the mortgage will go up to 15%. While this sounds like plain…
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Black Horse Car Finance
Hi, Me and my girlfriend have really been struggling over the last 12 months because of bank charges from HSBC, but we are dealing with those. Anyway, over the last 2 months we have not even had enough money to pay for food, so have took a long and hard look at our money and need to cut back. The biggest thing we need to…
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Halifax PPI reclaim success?????
Hi All, Hope you can help. I have successfully reclaimed PPI from Halifax for a loan. The reclaim breaks down as follows :- Total amount for credit for insurance loan £321.75 Total amount of credit for insurance loan interest £56.49 Total amount of credit plus loan interest £378.24 Total amount plus 8% statutory interest…
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Anyone else have the same problem?
I have had a loan with Welcome finance for a while and have had no problems with it. I arranged for a top up and between back logs and their system being down it is taking quite a long time. Now they are saying they are trying to pay it out since yesterday morning but they have an error on their side which IT are "working"…
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Barclays CDL repayment reminder letter mistake led to charges
:mad::mad::mad::mad::mad::mad: I have a CDL with barclays, and have been using another bank for my main current account due to masses of complaints against barcalys. Basically I got a letter in April stating that my first repayment should start as of 6th June. So I thought right ok I can make arrangements to put money in…
