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Help with letter about charges
XXXXXXX XXXXXXX XXXXXXXX16th July 2008 G E Consumer Finance Home Lending Senior Projects Manager. G E Money Home Lending, Malvern House Croxley Business Park, Watford, WD18 8YF Dear Sir or Madam, Re. Account number: XXXXXXXXXX I am writing regarding "A Brokers fee of £1500.00" and Also "A Lenders Application Assessment &…
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Help: Bank error not in my favour
Folks, can anyone help, has anyone been in this position? We bought a car on HP in 2006. Set up the direct debit, kept all payments up to date. August last year we changed banks from Lloyds to Halifax. They provided the usual service of changing over all direct debits. Three months later I put in a call to Royal Bank of…
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Advice on PPI Reclaiming?
Hi folks. First of all, this is my first post, so hello to everyone. Okay, I took out a number of loans with Beneficial Finance over the last 2 years, the last loan being a £600 loan between Christmas & New year last year. I took out PPI knowingly with the possibility of being made redundant in mind. Now, im looking at…
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I Never Signed A Loan Agreement
I hope some one can help me with this. A few years ago I had a loan from Nat West for just under £24,000 under unusual circumstances. My wife had an account with them so we arranged an appointmet to see one of their advisers to consolidate variuos bits and pieces. While we had this meeting we asked for my name to be put on…
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I Never Signed A Loan Agreement
I hope some one can help me with this. A few years ago I had a loan from Nat West for just under £24,000 under unusual circumstances. My wife had an account with them so we arranged an appointmet to see one of their advisers to consolidate variuos bits and pieces. While we had this meeting we asked for my name to be put on…
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extending life of a loan?
We have 2 loans at the minute as well as a mortgage. We are just about coping at the minute but in the next month our income will be lower as my maternity leave will be finished. And its worked out that we will be worse off if i was working than if i wasnt!!! Anyway, i was just wandering what banks tend to be like when…
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Not sure if I was mis-sold PPI
Hi! This time last year I had to take out a loan for £1000, as I was going into self-employment, & the grant I was going to get wouldn't cover the cost of buying a vehicle. I have read the article about PPI, but still not sure if I was mis-sold it, at the time I was on Income Support & didn't start the business til…
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Urgent! Loan Website!
Hi, I'm a first poster here, and thought this was the right place to help me out with my problem. I remember about 4 years ago a website was launched which specialized in an online community of ordinary folk who set up their own loan scheme. You could request a loan and the community would decide on the interest rate and…
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Credit Ratings - how long do they take to clear?
I've managed to get myself into a bit of a financial mess over the last two years or so, to the point that I now owe a fair chunk of cash. However, I'm determined to get it sorted, and have budgeted to have it cleared within a year (fingers crossed!). The problem is, my credit rating is completely trashed. I have several…
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Overpayment of Grants and Loans
A few weeks ago i got another letter informing me that as i had left university early i needed to repay the overpayment of my grant. I informed them that a new leaving date had been negotiated after an error was made by my university and she informed me that the money i owed would go up and i was to ignore that letter and…
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Reclaiming From Debt Collectors
Hello, Long story short, I've finished paying off my debt to HSBC (collected by their SS branch or Metropolitan Collection Services as there called now) However I've over paid by 50 Pounds. This was due to my calling to enquire about money owed, and them quoting me before a previous payment had cleared). So this money went…
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Personal Loan Insurance
Hi, Wonder if anyone can advise me? My 20 year old daughter took out an unsecured personal loan with Abby in Feb 08. I have since discovered that she was made to take out loan payment protection, (she was told the loan would not be given without it) and despite following the advice given on this site and sending the…
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Two loan questions:
This could be a case of nobody actually knows but I'll ask them anyway, 1) If you apply at your bank branch (to a person) are you more likely to get accepted than if you apply online to the same bank or does it make no difference? 2) I've had a few late payments but not missed payments - is this logged/ as bad/ better etc…
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HFC Bank
Hi, can anyone give me some advice as what to do next, I have received my copy of loan agreements (four in total) over the past six years, I have asked why PPI has been added to my accounts as I don`t require it in all the cases, I have received some very nice replies advising me that a full investigation is in process and…
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Loan or Additional Borrowing against my home...Help!
Hi there... I'm in need of a bit of advice. I need to borrow about £12,000 and am unsure whether it is best to do so by taking out a personal loan or by additional borrowing on my mortgage. I'm looking to repay over 4 years, if I borrow the additional on my mortgage I will be paying less per month and repaying less…
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Strategic Approach to Applying
Hi All, Applied for one of the loans through one of the cheaper lenders and got refused. Dunno what the reason it is but unlikely to be the risk (I hope!!) so I suspect that there is not enough profit in it for the lender - talking about circa £6k over 3 or 4 years. Anyway going to try Barclaycard and part way through the…
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Loan from Parents
Hi, My parents are goin to lend me money (from their savings) to pay off my mortgage. Will I be liable to tax in any form please? Hoping someone can help.
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career development loans following bankruptcy
Hi everyone, I will try not to bog down with detail but essentially I have been offered a place at University of Glamorgan beginning in September 2008 and cannot afford my tuition fees. I already hold an (hons) degree from ten years ago and as such my Local Authority will not give ANY financial help other than a Disabled…
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Picture the Loan
Another secured loan company feeling the pinch.... http://www.picturetheloan.co.uk/ UNDERGROUND :D
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Debt insurance or Life Assurance
Which is better
