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Joint Loan?
My cousin and I would like a joint Loan, mostly to consolidate debts we both have and a little left over to start paying it back. Both of our credit ratings are poor, so we arent having much luck. Does anybody know if we can get a joint loan and if so where is the best place? Thanks in advance.
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Business Loans ??
Is it hard to get a business loan? Im not sure how much i would like to borrow but it may be either £10,000 or £20,000 I business bank with Alliance+Leicester Would these be the best people to go with ?
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MINT Loan - PPI
I have just been on the phone for 58 minutes to go through a loan application. I have been accepted in principle. I asked for £5000 over 48/mths and she came back saying it would be £148.25/mth. I realised this must include PPI so I told her to calculate it without it. She said it would be £125ish/mth so I asked for this.…
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GE Money Home Lending - Reclaiming Fees
I took out a 2nd Mortgage (repayment type) with GE Money this is attached to my home. They have charged me various admin fees, extra interest, default notice charges, debt counselling fes etc... Please can you tell me whether it is possible to reclaim these charges & fees back & if so how do I go about doing that..? Many…
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insurance loan -help please
My insurance collector offered me a loan about 15 years ago for 300 and said it would come off my insurance at the end of the policy. There was no agreement and so I forgot about it. Since then the company was taken over about 1995 and they no longer do these loans. Thing is they have now sent me a letter saying I owe 1000…
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Problem with Welcome Finance
Hi, Could do with some good advice. Approximately three and a half years ago I took car finance with Welcome (silly I know but desperately needed new car as had new job and needed to travel considerably further than before). When the documents came through and I realised how much I was paying for insurance on the loan I…
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Student Loan Panic!
I've just discovered that you have to notify the Student Loans Company when you are moving abroad. I'm a bit scared about this because I went abroad for a year immediately after I graduated (I went from the September after I graduated until the following September) to China to work as an English Teacher. I've been back in…
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Advice Required – Lloydstsb Ppi Gesture Of Goodwill
ADVICE REQUIRED – LLOYDSTSB PPI GESTURE OF GOODWILL After downloading Martin’s template letters and a little nudge from the Ombudsman, I have received a final response letter from the bank today stating that they do not believe that PPI on a smaller loan that I took out with them was mis-sold due to pre-existing medical…
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Uneforceable loan agreements
6 months ago i sought free legal advice with a known company on the internet regarding an incident i was involved in, since then i received a call from a company that had been passed on my details telling me if i had any loans then they could check the agreements to check whether they are enforceable or not. So i sent my…
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Lloyds asking for medical evidence on ppi claim??
Hi, I am fairly new to all this and wonder if anyone can help me? My husband took out a loan with Lloyds TSB in 2005 with PPI. Since realising that he would have been unable to make a claim if he had needed to due to a pre-exisiting medical condition and this not being explained to him at the time etc. etc., we wrote to…
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Loan Settlement Help
Gday, Heres breif detail of what has occured. I had a very high interest rate loan, i have spent 2 years improving my record so that it is good enough for a real loan. Last month i decided it was time and got myself a loan to cover all my debts including this high rate loan. My problem lies when asking for a settlement…
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fees on refinancing a loan????
hello again does anyone know for sure if banks are allowed to charge u a settlement fee just for refinancing a loan? (ie the same loan at a lower rate...which they offered me,i didn't ask first...but they did give me a new loan agreement number) my convo with the loan advisor went something like this:- me: i was told by my…
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Capital 1 PPI claim response Help Needed
Hi All, Hope you can help, heres a brief history of my PPI reclaim attempt to capital one. 8th March requested statements, which I received within the week 20th March sent letter requesting full refund of PPI plus statutory 8% total £119.12 7th April standard letter in response saying I had a 30 day cooling off period…
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bank loan
First of all i would like to apologise if i have posted in the wrong thread. My husband had a loan for £10000, everything was running smoothly until i went into our bank. the bank adviser who i know really well said that he could give me a better deal on a loan then the one my husband had, he knew that i am receiving…
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what's my next move?
Me and my partner applied to extend our loan with the Aliance and leicester. Current balance is £2600 and wanted to lend a further £2400. We were rejected to our surprise, as we are in a far better position now ,than we were 2 yrs ago .We have checked our credit files they have came back fair and good scores, the only…
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Could anybody help?
Hi all I'm fairly new to this forum and have found it a great place for tips and advice to which I'd like to thank you all! I'm hoping somebody may be able to give me some advice on reclaiming PPI on a nationwide loan my husband and I took out back in 2004. I have always been to afraid of reclaiming bank charges or PPI…
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He refuses to pay
ok, here goes, I think he has won. When I was in my early 20's I made a very big mistake, I practically gave my credit facilities to an ex partner. We were never married, but cohabited for just over two years. I took out credit agreements in my name, which I had a verbal agreement that while we were together we would…
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Woolwich Loan - unfair charge??
Hi all I wonder could someone give me a bit of advice before I pay this charge. I took out a personal loan with the Woolwich about three and a half years ago. Last year I was made redundant and found it impossible to pay all my bills. I ended up remortgaging and using the money to pay off creditors. However, there wasn't…
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Would I be accepted for this Tesco Loan?
I have a 'good' credit rating both with the agencies and my bank. My Bank are HSBC. I have a £1500 overdraft and credit card with £3500 on it. I want to pay settle (and then close the card and cancel overdaft) both of these. Also want to borrow some extra for deposit and rent on flat and new furniture. Total I want to…
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Paying off my credit card quicker
Hi, I'm in a bit of a situation with my credit card. I'm finally getting a handle on my finances and have been looking at ways to pay off debt quicker. I've been making minimum payments each month of my credit card but I've paid out lots of money and not cleared any. What I thought was an APR of 17% turns out to be closer…
