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What can i do about a bank debt from 1997
In 1995 I opened an account with TSB, in 1997 I took out a overdraft of £500, But soon after that I required a small car, so I took out a loan to pay off my overdraft and pay £600 for a small car. They insisted I take out Insurance on the loan, on which covered me for sickness job loss etc, which reluctantly I did. I was…
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Providian / Monument / Barclaycard PPI
Hello all, I'm really hoping someone can help as I think I may have cocked up my PPI claim. I originally had a card with Providian from Nov 2002 & accepted PPI as I was told that should I die then my 2 children would be liable to pay any outstanding balance. The good people on the DFW site have already informed me that…
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Mis-informed loan added to mortgage
My wife and I wanted to add some money onto our mortgage. We spoke to an employee (I have her name) our our lender, and after numerous phone calls she told us that there were no Mortgage Advisors available for at least 2 months because of sickness/holidays/booked up. We were a little dismayed at this, but she said what we…
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help!! i have a loan that i thought was paid
Guys i need help i recently went for a loan but the bank said that i was in defalt with another loan,which i thought was strange as i hadnt had a loan in the last two years, i did a credit check and it appears that a loan i took out for new windows for my old house hadnt been paid off let me explane. 2 years ago i took out…
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Working out daily % on CC reclaim for MCOL
Hi All, Can anyone tell me how to work out the daily % rate for reclaiming CC charges when filing claim on MCOL. I have ticked the YES box to say that I would like to include interest & the system has asked me for this figure. I haven't got a clue how to work it out. (Senior Moment I think) lol
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Is now a good time to take out a loan?
Hi all My Wife and I need to take out a loan to pay for some home repairs, and also to consolidate some CC's we have. We have looked at interest rates, and it's definately worthwhile us doing this, as the APR's are a lot lower than CC's. However, I was wondering if now is a good time to apply for a loan due to the economy?…
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are pinnacle having a laugh ?
i had a loan with Northern Rock which i settled last week after half-way thru a 4 year loan.i emailed Pinnacle (who does the PPI for NR) for a partial refund of what i payed and i got this email back today.. Dear Mr Taylor, Thank you for your recent e-mail.I confirm that in return for you paying the premium, we will…
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Advice on PPI reclaim please
I keep hearing about how we should reclaim charges back and wondered if I would be able to do so. I took out a loan with NatWest about 6 years ago and due to the large amount of the loan I was told I had to have their insurance for it. Is this actually the case? Had it been mis-sold to me? Unfortunately I don't have any of…
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Calulating Early repayments
Hi All Does anyone know the formula that is used to calculate the early repayment values. as I would like to check the figures myself. I know I can get it done but I would like to be able to do it myself in somthing like excel Thanks
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A bit of advise, please...????
Hey All, I am new to this website and wondered if anybody could give me a bit of advise on applying for a loan with my bank please? I have a very basic current account with whom i bank with, Natwest. I have been with them for about seven months now after having a terrible time with LloydsTSB. I am now in search of a loan…
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natwest loan problem/s
Hello I've tried to get some money for a few month now, consequently damaging my credit score i think, as iv been refused. I think nat west have help ruin it, when i rang to check my account balances they said your approved for a credit card, put your overdraft on it and the credit card apr is cheaper than the overdraft…
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Hitachi Capital (DFS) PPi reclaim?
just a bit of advice really... I purchased a settee from DFS 4 years ago, signed the forms for their 0% interest deal. I paid the last payment on it this month and pulled out all the paperwork I held in relation to the loan just to check dates etc. Have now discovered that I have been charged £283.18 for PPi - this was…
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Request to Reassess Loan Application - Any Point?
My bank refused me a loan, although I have been with them 6 years and in the last 2-3 years my (high) salary is being paid into my cashminder account with them. I also have a ISA account and a Savers account with them. To be fair I have to say that I have a 4 years old: CCJ (satisfied), a loan default and a bank overdraft…
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Unemployed but need a loan
Does anyone know of a reliable company where I might get a loan despite being unemployed? I have been on JSA for 8 months.
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Egg APR increase on Loans?
I just did an online quote for Egg and expected to see 9.9APR but got 13.9APR no matter what amount/term I selected. Is this the case for everyone now?!:confused:
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Application for loan rejected
I've just applied for a loan from Sainsburys, with whom I have a savings account, and was rejected :mad:. I earn £48k and wanted to borrow £9k over 36 months to buy a car for my fiancee. I have no rent, mortgage or council tax to pay as my employer provides my accomodation, so my outgoings are low. The only other debts I…
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Cancelling a Egg loan?
Hi, I'm thinking of getting an Egg loan however upon reading their FAQ's it states Does that mean if cancel within 30 days I don't incur any charges (including interest) or do I pay interest for those days before cancellation? Thanks
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Personal Loan - existing v new customer?
Hi! Can anyone advise? When applying for a personal loan - would it be better to apply where you are already a customer - where they have records of income etc to hand - or apply somewhere as a new customer? Household opinion divided on this one!!! :confused:
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Cahoot... repaying flexi-loan (Grr!)
Hi everyone Sorry for diving in at the deep end with a question but I'm having some trouble. I have a cahoot flexible loan which (like a lot of other peopl) I'm paying an exorbitant rate of interest on. I've called them today to offer to make a credit card payment to clear the balance but they tell me that they are only…
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another loan repayment query
I am on maternity leave at the moment and at present I am only 1 month behind on my HSBC loan and £300 over my overdraft. HSBC have called me asking me to pay my usual repayment of £309 + half of my missing payment - £450 in total for the next 4 months. But as stat maternity pay is only just over £400 there is no way I can…
