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First Plus
Hello to everyone My boyfriend took out a loan from first plus with his then wife in 2003 the loan amount was £55 000 with ppi of £13,469.50 the monthly payments at the time were £642.96 and rose quite fast to £702. their marriage broke up and they were forced to sell the house, first plus agreed to restructure the loan as…
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Splitting a loan between ex partner, Help!
Please help need a bit of advice! My other half has a loan between her and her ex all was ok however the payment was originally done through his bank account. My partner would give him her half of the payment everything was good, until he stopped paying it and the loan went into arrears. First we knew about this was when…
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Searches on my credit file
I am looking to get a loan for about £1000 but I'm struggling because of the searches on my credit file. I've applied for a few but I've been declined. It seems a vicious circle as I need to apply, but the searches are making my rating worse!! Other than that my record is ok, recently got a credit card from capital one and…
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Missold PPI but wont refund the cost? [FP Loan]
Posting this on behalf of my brother, he has been missold PPI by firstplus when he took out the loan a few years ago... After contacting the financial obviousman, firstplus got back to us within a few weeks he recieved a letter to they that "after reviewing your case and our telephone logs we are upholding your complaint".…
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Help!
Hey all I borrowed the amount of £35000 at 5% interest rate .I would like to know how much interest I owe if I borrowed it 1 year ago..Is it simply 5% of 35000? I always thought it was ..until a friend borrowed £10000 at 6.5% which she is paying over a period of 2.5 years...Now I would work that out as 6.5% of 10000 x 2.5…
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Early loan settlement can i strike a deal?
I have a loan with the northern rock which still has approx 7 years left to run, i am being made redundant in a few months and will recieve a fairly decent payout, i have already secured a new job and therefore plan on using my redundancy to clear some debts. Even though i have never defalted on a payment and could pay the…
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Notice of Issue of Warrant of Execution
Hi A friend of mine has reveived one of these on an old debt he has, received it today, and apprently baliffs will go to his parents house on the 10th!:eek: Total o/s is £2332.01, which he does not have, is there anything he can do, or is it too late? Any help appreciated, Em xx
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Store Credit Application from PC World/HFC
Hi, Last year I purchased a new Apple Mac laptop from PC World. I thought I agreed one year with no payments then 3 years payments. I recently received a letter (included) from Dixons Group explaining that the account was never set up! I find this very strange as they managed to set up the direct debit for product warranty…
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Want to appeal against unsecured loan rejection
I recently checked my credit score, it's was 962, so in the excellent bracket. I have 1 credit card at 1700 and an overdraft on my current account at 1250 Both currently at their limits. I've recently been promoted at work, so in a very secure job, been there 3 years. My salary is now 20k. The amount of the loan I applied…
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Looking for a Loan......Help needed.
Hi Got a couple of questions . I m looking for A loan of about £2000 to pay over a year im in full time employment so got regular income. This is going to be my first loan so I have bad credit ratings. would I still have a problem with getting a loan? Can you apply for 2 loans with 2 different companies at same time and…
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MFI Flexiplan Agreement - Help Please
Hi Hope someone out there can help or give me some advice. I took out a MFI FlexiPlan Deferred Agreement back in 2003 and my agreement plan is for £25.00 monthly payments on a purcashe of £781 and then 2 months later £179 added to it this is on a credit plan of £900.00 and at no time did they notify me that I was over my…
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Which one is right?
My hubby recently took out a loan with our bank, and signed and returned the loan agreement stating monthly repayments of £xxx. Today he has received a letter confirming the direct debit order, stating a monthly repayment of £50 HIGHER than the one stated in the loan agreement :eek: Quite frankly, we can't afford it! LOL…
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Company that checks validity of loans
Hi My first post, so be gentle! I was trawling through the website the other day and found a link to a company that checks the validity of loans. I e-mailed them and was asked to send copies of loan agreements to a company called 'ABC Incorporation Ltd' based in Kent. I can't for the life of me find the link on the site…
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Student Loan Outstanding Balance
Hi All I was advised that to work out my outstanding balance on my student loan I would need to work it out from my annual statement (which is normally a year out of date too) Whist I'm ok with doing this, it does seem a little unproffessional that student loan companies are unable to give you an outstanding balance on…
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not sure what to do with boyfriends debt
my boyfriend owes about 15k on a loan and a few cards. its taking up nearly all of his income though in theory he DOES have enough money to make the payments every month. He wants to get something done to reduce his payment so we can get a house together (probably just to rent for now) and got told from his bank he couldnt…
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TSB Loan
In November I took out a loan from the TSB £18,500 and was paying £450 a month (high interest loan) so have made seven payments totalling £3150. I now have received some money and went for a settlement figure. I was really suprised to find out that even though I had paid £3150 they had only deducted £400. Is there anyway…
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Who pays out ???
Hi folks, After successfully reclaiming my PPI payments from two personal loans that were misold (HSBC and Egg) I was wondering who actually pays out here regarding the bank and the actual insurance company... I assume it would be the bank as they are the ones who actually sold me the policy.... can anyone confirm this or…
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Same day loan...
Does anyone know any companies that provide you with a decision and the funds on the same day? I thought that Lloyds TSB did but not sure if you've got to be a customer for that. I need a £4500 loan so a payday company isn't really applicable... Thanks :money:
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I'm Confused With A Loan Situation...can Anyone Help??
:confused: Hi, Two years ago my partner and I brought a van on finance, I am paying 21.9% APR which works out at £220 a month for a vehicle which is no longer on the road (loooooong story!) I really resent paying this money to the finance company each month and would like to transfer to either a credit card or take out a…
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DSS loans
Wonder if anyone can help me? I was on benefits several years ago and received a loan from the DSS to buy furniture. I paid back the loan by standing order through my bank account and when the final payment was made cancelled the S/O, end of story as far as I was concerned. A few weeks ago I received a letter from the DWP…
