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End of finance agreement - Unfair compound interest charges
I'm new to this forum and am nt sure if this is the right place for my query. My H bought something from Dixons 4 years ago for £299. We have always paid by DD for the item for that time including PPI apart from a mix up when we changed our bank accounts in 2005 which took them a year to notiy us how to make up for this…
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Loan dishonoured - Bailiffs ?
Hello all I was wondering if anyone could offer me any advice on the following situation: My friend houseshares a rented property with a couple of other people One of these people has oustanding loans/debts which they havent been great at paying back.. They recently received a letter stating that they have dishonoured the…
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Looking for a loan
Hello everyone, I'm new to this forum and would like to ask if anyone has applied for a loan anywhere recently that they can recommend? I'm looking to consolidate a couple of debts so that they can be paid off in a set time. I'd like to borrow £3500 so it's not a massive ammount and my credit report has just come back as…
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Going back into full-time education - with debts?
Hi Guys, hope someone can help me out here. I currently work as an IT Support Tech earning £20,000 a year, however I *hate* my job with a passion. I like to think I'm an active person, I'm in the gym weight training 4 early mornings a week so being sat on my backside all day staring at a computer screen ain't exactly my…
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CCA Help needed
I sent off my CCA to Moorcroft for an old halifax credit card from 2005, they eventually sent me one on 12+42 day!! But they have sent me through the credit card application form saying that this is it? They have also not sent through the statement of accounts which was requested in the original letter. On the Application…
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Car Hire Purchase returning the car HELP!
I Have seen a lot of threads that say once you have paid half on the car HP agreement you can return the car to the finance company. I am in the unfortunate position that my car (although mint condition) is worth half the current settlement figure. I am only a year in to thre agreement, but would gladly pay up to the half…
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Looking for a loan. Need help
A bit of preliminary info about me.. 18 years and 6 months work 30 hours a week earning 660 a month. paying back £400 finance for a tv and havent missed a payment. Had a motorbike for 4 months and never missed an insurance payment. Which brings me to my question. As my motorbike was stolen and the insurance company wont…
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Denied Loan
I have just been denied a loan for £7,500. The company advised me it wasnt my personal credit rating but their own points system which is very strict with the credit crunch etc. They advised under normal circumstances I would be accepted as I have 400-500 spare after all outgoings including direct debits and the loan…
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diagnosed term.ill after loan agreement-frantic please help
I'm a 60 year old grandma seeking help & advice from forum members please advise me if you can. Whilst attempting to restart my life 3 years ago I ran up credit card debts of £7000.I have an excellent credit history & have never been in debt to this extent before.I decided to take out a consol. loan of £8000 payable over 3…
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should i get a loan ?
Hi all Were in the process of selling and once we move into new home we will be morgage free yayyyyyyyyyy :T (not bad at 29 and 35 shouldnt be to smug though we have downsized etc) I was thinking i want a little extension on the side of the house new kitchen and bathroom etc now we could afford to save about 250 a month…
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HELP !!! need loan no matter what
hi ffolks i hope someone can help me on here, i need a loan asap. this is the situation due to various issues due to all my family passing away before my 21st birthday i did stupid things with credit when i was younger including two unpaid orange contracts, and then a car from direct car finance that after 3 weeks i…
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Looking for personal loan but wifes credit file is not very healthy.
Hi as the title says,I'm looking for a personal loan,and will be looking for 8k. My credit report is fine with no late payments or defaults,unfortunately my wife has 2 defaults for piddling amounts!!! One from Next Directory which I am hoping I can get removed due to the way it was put on there,so far we've been able to…
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Please help!
would I be able to get unsecured loan? I am looking to borrow around 7500. I am in full time employment earn about 36000 per year. Have three credit cards totaling to around 2000. Not missed a payment in past 12 months. However as a student had credit card defaulted on in. Payed all that off about 18 months ago. Was young…
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New partner with loan problems
:eek: I've spent a long time straightening myself out financially after being burned by an ex, so I'm particularly cautious these days... My new partner is due to move in with me in a few weeks, under slightly odd circumstances. I've just found out that he's 4 years into a 5-year loan with Barclays (no idea what it was…
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Which Loan Company is best for me?
Hi I've just recieved my credit report after being turned down for a loan. I'm a single mum working full time and earing £22000 a year, I pay £83 Nursery fees a week of which I get £73 back from Child Credit Tax. When I was with my ex partner (of 11 years) we spent money like it was going out of fashion and most things…
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No credit history
(Not sure if this is the right place to post this but if its in the wrong place please zip me to where i should be :rotfl: ) I have always been careful with my money..as yet no mortgage, never had credit in any way(no HP no credit cards) always paid my bills on time and always rented. I hope next year to get a mortgage…
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PPI Mis-sold Claim upheld by FOS But.......
We have today received a letter from a company called Target who have taken over the servicing and collection of loans provided by Picture Financial Services who have stated that they believe that Picture has no funds available to pay compensation in the event that any valid claims arise. They state that "the company is…
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cargiant
Hi guys has anyone ever had car finance from cargiant,looking to buy a car and have seen one for £9500,just looking to see if anybody else has had any experience good or bad with this company.also how easy was it to be accepted for car finance i.e do you need an excellent credit rating to be approved.. Thanks :rolleyes:
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need a loan for a home Narrowboat
we are living with our parents and we have a chance to move onto a narrow boat which will be are home. We moved out of our home as the mortgage payments got to much. we are trying to get a loan for 45,000 but we have no luck, cant understand why we cant we have no debt no loans but cant get anything as of yet running out…
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Flexible Loans - anyone but Egg?
Hey guys, Trying to find a comparison site that'll show me different flexible loans, but at the moment I'm not coming up with anything at all! The only company I've been able to find that do flexible loans are Egg, and they seem to be charging 11.9% APR these days, which is a little optimistic to say the least! Any…
