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managed loan
when my daughter was18, HSBC gave her a £3,000. overdraft and a £3,500. credit card. she was a apprentice hairdresser earning £100. a week. she thought her birthdays had come at once and got into serious debt reaching the max on them both. HSBC arranged a managed loan for her she,s paying back £105.00 a month but all that…
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Letter to Freedom Finance about PPI
Thanks very much for the help so far, the following is the text of the letter I will be sending to Freedom Finance Plc, they also say in their reply letter that they were not required to be authorised and regulated by the FSA, but they were members of the voluntary trade body FISA. Can you tell me if it reads OK to you:-…
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Help I need a loan
Have a pretty dire credit rating mainly thanks to a certain bank H**C ! We have to move to a new house in about 6 weeks need £1500...bond & 1 month rent up front. A loan even of £5000 would help to pay off the car..(hellish interest) & reduce our utility bill direct debits. Dont want to have to go to the `sharks` but is…
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british credit trust
Hi everyone new on this site,looking for a template letter to reclaim charges on a loan with British Credit Trust.The loan was paid of 2 years ago but in a recent clearout I found a letter of termination which had on it Other fees [including termination fee£75 ]£475. now I know I cannot reclaim the termination fee back but…
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Loan amount wrong on credit report - Advice???
Having taken out a £25k loan with the AA I was notified of a change in my credit report and went to have a look only to find that the AA had enterered the amount of the loan amount as over £42k. I instantly phoned the AA only to be told that this was normal (they had included all the interest for the full period of the…
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Current best rates on loans
Hi all, I seeking advise regarding a loan. My car has just given up the ghost so i need to get my hands on some cash fast. I went to see my my bank to day, but it would appear for a £2000 loan the best rate HSBC can give is 17%! which i thought i was very steep. Does anyone else know of a better rate that i could go apply…
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First plus offer
Hi can anyone advise? have recieved a letter from first plus today offering and enhanced rebate of the insurance policy calculate on prorata basis of 78% of the premium (originally was 15183.80) (22% being held back for the provision of claims and admin costs!) - we havent made any claims? offer is enhanced? rebate of…
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HP agreement in Scotland
Hi all, Wonder if anyone can help... I've currently got a straight forward HP agreement on my car e.g no balloon payment etc etc....at the end of the term I will own the car outright. At the moment I'm half way through the 4 year agreement so have half of the loan still to pay.....about £5k The car is worth roughly £5.5k…
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Any way back?
Could some one help me with this?? If you have had default notice on a loan is there anyway back from it??
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Help with small HFC loan (newbie)
Ages ago I bought a camcorder on credit from Dixons and they set it up so that it would take the money from my banks every month. When I was put out of work by illness last year I spoke to HFC and told them my situation and they agreed to freeze the interest and let me make payments of £10 per month to pay it off. Today I…
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self-cert remortgage with poor credit score-stuffed?
Hi will keep it brief. think i know the answer anyhow! hubby self employed for just 9 months, in last year we are late with payments on cc and other bills due to irregular money coming in so credit score is LOW. Mortgage however has always been paid on time by my part time job. So looking to remortgage to obvious clear…
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Personal Loan
We applied on line for a personal loan with your personal loan.co.uk. Within 5 mins of the online application we received a call from Freedom Finance saying they we had been unsuccesful with the loan application and they could help us. We thought it was a scam and ignored the phone call. Within 24hours we received the…
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Welcome Finance
Hello everyone Yesterday I was offered an unsecured loan by Welcome for £750 over 24 months with repayments of £54.11 per month. I have read all of the horror stories on here regarding this company but I am desperate. My girlfriend has a baby on the way and I need a lump sum of cash up front before the little one arrives.…
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Home Equity Secured Loans (HELOCS)
There seems to be a consensus view that (HELOC-S), that is Home Equity Lines of Credit are the great emergency product for a retiree in a financial crunch and I happen to disagree. I believe that a Personal Line of Credit at a reasonable interest rate (maybe 2-5 points above prime) is a much safer deal for a retired…
