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Forms to produce when signing loan papers?
Hi, I recently got approved for a personal loan of 7k. Bank asked me whether I was in permanent employment. I've been working for the same company since May 2007 and will be working until December 2008 at least. After this point it's a bit iffy as to what I'll be doing. My position is best described as contractor but I…
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Help letter recieved regarding GE money Account cover insurance
I wrote a letter to GE money stating that I wish to have a refund of my Account cover insurance. I thought it was compulsory at the time, I was 18 and to be honest just signed what the sales assistant told me to sign. on the copy of the credit agreement you can see crosses that the sales assistant has made where I have to…
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Default Notice and CCA Non Compliance
Over the last couple of years we (myself and DW) have been battering down our debts and generally clearing up our credit files following some financial problems a few years ago. Everything is now more or less perfect, except for one apparently impossible to solve problem. Back in 1998 my DW took out a mail order catalogue…
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Just want rid of it now !
Hey guys, Any answers to this question would be gretfuly received !:confused: As you can see from my sig I have just over £11,000 left on an A&L loan @ 5.5% (not a bad rate in todays market) We have been saving to get this paid off asap and currently have £5500 so far in an ISA I have since found out that the intrest is…
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How long to clear credit record?
Just a quick Q here, need a quick answer pls, if anyone knows :confused: ....If a loan is cleared how long does it take for the clearance to appear on your credit record as cleared? How long does it take Experian etc to process an update before a credit check would show a past loan as cleared, from day of payment into…
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Loan to a Friend/Employee
I borrowed a sum of money to a friend/employee. I did this in writing and got it signed and witnessed. I have now heard the person is thinking of leaving. Where do I stand legally? Any help would be very much appreciated.
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Behind with loan repayments
Hi, please help I have been on a DMP with CCCS since March 07. My biggest creditor is a loan with Nationwide. I have just had a letter from them stating that they will (finally) agree to accept my reduced monthly payments but the arrears will continue to accrue (the contractual monthly amount is £156 but I am paying £42).…
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Confused & concerned!
Hi all, I need some advice please peeps! My husband and I have a mortgage and also a secured loan. At the time the secured loan was the best way out of a bad situation as I am a stay at home mum and my husband is self employed it was the easiest loan to get. I had another baby in December 07 then 2 weeks later my husband…
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Welcome Finance
Another one of those threads i'm afraid. I sent a letter approx 3-4 weeks ago to reclaim ppi from welcome as i'm positive i was mis-sold it. in the letter i also asked for 1) a statement showing all transaction between myself and them including any charges they have plus a up to date settlement figure. 2) i also sent them…
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finance from currys
Hi dont know wheather im on the right thread or not,or any of you guys have got any sugestions,but here goes. Couple of weeks ago wife got a new tv from currys,all working fine & no problems,she just recived a phone call from them,asking her to go in as they've mislaid the stores copy of the finance agreement (the direct…
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Mis-Sold Hire Purchase?
I am in need of some advice.... Two and a half years ago I bought a car from a local garage. I had arranged my finance via a bank but the salesman convinced me to take out finance with them so I could have the car quicker. At the time, I was wary so asked him whether it was HP that I was taking out-he advised me no and…
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Given Loan On False Pretenses....HELP!!!
... I was told before taking out a loan that this company who deals with them where loan sharks... Anyway was wondering if anybody can help, Im 22 and have been in out of jobs since i was 16 and was going on holiday last year to america and was running out of time to pay for the holiday/spends at the time i was working on…
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In Limbo and Fed Up
Hello Everyone. I don't think this has been covered so far so here we go. I recently qualified as a secondary school teacher and have a shiny new job secured for September. So far so good. In the interim period of what is basically the school holidays, I am really struggling to find temporary work and cash is all but gone!…
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Big Mistake!!!! Wot Can I Do???
Hi Guys, Ive done something really silly :mad::mad::mad::mad::mad::mad: I took a loan out for £9500.00 with an interst rate of 12.5% i think anyway my total repayment after 48 months is £12500.00 and Im on income support...I'm pregnant at the mo...and Im literally scraping pennies I cant afford to repay £259.00 a month Im…
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not yet on electoral role, but need a loan
Hi, I have recently taken out a mortgage on a property from February this year. I now wish to take out a loan to consolidate credit card and overdraft debts and a hire-purchase due very soon, but I won't be on the electoral role till September. I rented a flat previously for a year, and was on electoral role there. Also on…
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Black Horse Finance making my blood boil.....
A month ago I became a divorcee, re-mortgaged my house again, paid an extortionate amount of cash to my ex and to solicitors, bah!! As part of the settlement I agreed or volunteered to pay an Argos credit account, and a Black Horse Finance loan that had been taken out to consolidate credit card loans etc, seemed like a…
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Are Child Tax and Working Tax Credits classed as income?
I have just been looking at the Barclaycard site and one of the stipulations for a loan application is a regular income. If you are a full time mum with tax credits as your sole income does that make you eligible to apply for a personal loan?
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Secured Loans
Hi, I was wondering if it is possible to claim charges back from a secured loan as each month I have been charged £50 for being late or in arrears? Have now had to sell my home to pay mortgage and secured loan and am living with family until I can find a place to stay. Can anyone help advise me about the charges?
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worried and need advice on getting a loan with history of bad credit?
Hi, I am a bit confused as to whether i can get a loan or not and need some advice please. I have just finished uni and have £5,000 credit card and overdraft debt (2 of which are in debt collectors). I pay every payment each month on time and hope to pay the whole £5,000 debt off by July next year as i want to go…
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Secured Loan
Hi, In general, is it possible to re-finance a secured loan or is the borrower "locked-in" until the end of the loan? Thanks
