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Loan to girlfriend - guidance needed please!
In June 2004 I lent my girlfriend £8000 to save her going to the bank and she began repaying me that month to the tune of £253.20 per month. After 6 payments the true scale of her financial problem became apparent in that she was funding the pqayments from credit cards. I again helped her and agreed that she could suspend…
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Ppi Help
Hi, I recently starting working alongside Payplan (who have been excellent) to reduce my debt to a more affordable monthly repayment, the main reason for this was because of a loan I took out with Barclays for £9,000 with this was a considerable amount of PPI. Is there any possibility even though I am now with a Debt…
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Help needed in getting car loan
Hi, I have seen a car which is going to cost me around £14 or 15 thousand. I am going to get his car on finance. I need advise on the best way of getting a cheap finance deal on the car and not get ripped off. I am open to suggestions so please, feel free to give them. Cheers
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PPI Canceling / Reclaiming with Barclays?
Hi, Wonder if anyone can help with a couple of questions on Barclays PPI. My Mother took out a loan via Barclays for £15,000 over 10 years @ 7.9%. She applied via branch and was told taking PPI out would help her application / she might not get it otherwise as she had no life insurance etc. The PPI has added on around 8k…
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Student Loan Rip OFF!
Hi All This is my first post but I have been reading these forums for forever and feel like I know quite a few of you already (i.e successfully claimed back bank charges etc) Ok I have read Maritns article on student loans but as I have no debt and a sizeable amount of savings, I thought I might as well start to clear it.…
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Overdraft fee war imminent - LATEST
Barclays has announced it is to "significantly reduce" its overdraft fees, in a move that could rubbish industry claims over the "true cost" of bounced payments. What do you think::money: All I want is my fees back! Source: http://www.itv.com/News/Articles/Overdraft-fee-war-imminent-359175640.html A reduction is not…
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Should I get a loan?
I wasn't sure if I should post this here or in credit cards... so sorry if I'm in the wrong place! I've got about £8,500 in debt on 3 credit cards. What is the best way to pay this off - a loan or another credit card? I get so confused when I read about it on the site and try to figure it out. Can anyone help? Thanks!
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loan broker ripoff
Why is it lawful for a loan broker to retain a £49 arrangement fee, when they failed to find me a lender, this is the second time ive been duped, is this in the same bracket as a bank charging £30 to send me a letter?
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Involuntary Unemployment ????
Hi, I am in the process of trying to reclaim PPI premiums from HSBC, I am self employed, my claim is hinging on the definition of how a self employed person could become involuntarily unemployed without being declared insolvent. The bank has said that they would have paid out if the persons business was not performing…
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PPI Template Letters
I've claimed back my charges about 18 months ago - no problem !! Time to move onto PPI, can't seem to see the templates for these ? Some kind MSE'r point me ? Cheers...........
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ge money
we had aloan which we thought was with ocean finance but as time went on the company change to GE money . we payed the loan then we found out that there was still £3 000 owing we payed this but also found out they had an order against the house. Please can anybody advice us if we can claim any of the money we over payed…
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small business loan required, awkward situation im in tho due to getting divrced.
I wondered if anyone could give me some advice. I am currently a mum to 2 young children and have been working nights for 6 years. My husband walked out on us in January and i have been juggling work and sleep ever since plus most my money went on paying people to ababysit during the night and during the day. Ive always…
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pre approved Barclayloan
I have recieved a letter from Barclays staing i have been pre-selected for a Barclayloan with £23,200 repayable over 60 months reserved apparently. I was refused a loan for £3000 (was overdrawn on 3 occassion in 2 months) from them last November and waited on their advice. They say as long as my circumstances haven'nt…
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To loan or not to loan
Hi all, Firstly a big thanks to you that help. I'm new to the forums here and a new debt free wannabe! Ok a little about the situation, i have a low credit score of 608 which makes it hard to find credit obviously, i'm 21 live at home and have a low payed job. I'm currently earning on average about £150 per week after tax…
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Please help, my default is'nt valid and its affecting my financial health!
Hi I did a stupid thing and brought a pair of trainers from next on an account i set up, i dont remeber why as i had the money at the time but i did! this was in January 2007. I made minimum payments but never set up a standing order, i might of missed 1 or 2 but i was usually pretty good (gave structure to boring…
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Who do I claim?
I took out a loan in 2003 with Firstplus. The paperwork I have is all from Freedom Finance. My bank statement says money coming out goes to Firstplus. Who do I put the claim in against, Firstplus of Freedom Finance? Any suggestions? Cheers
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Urgent help please - overdraft v loans
I'm coming to the end of a 3 year graduate overdraft facility and the rate will go from £500 free overdraft to a general charged overdraft of around 18/19%. I am currently £1000 overdrawn and want to know what the best options are. The bank has offered a Graduate loan at around 8.4% for the £1000 with fixed payments but i…
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Loans on affordability?
Do they even exist? Have just worked out that out of £1088 I bring in every month, I am paying out £523 on loans and cc. That is really disgusting and I am totally ashamed. I was wondering if I could get a loan to cover everything, if it comes in at less than £523, then I'm already winning - no? Thing is, I will probably…
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What shall I do?
Hi, I am new to posting, this is my first! Please can anyone offer some advice. I have been fortunate to have come into some inheritance (not a close relative), just over £21K. I have an Abbey loan for £10k, that turned into £12k including the interest, I have contacted them and the final settlement amount is approx…
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Reclaiming PPI
I recenlty tried to get PPI refunded. When I was sold it I was not informed that you had to be working for at least 6 months before the policy was opened and at that time I had not been working for 6 months. I send my provider a letter using the templates on this website. Today I received a letter saying that I have been…
