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Additions Direct
Hi guys im new, but been lurking for a long time haha!!I didnt know where to put this post so if its in the wrong part of the forum I apologise!Basically i wondered if it was possible to reclaim "Account Cover Plus" payments from Additions?I am paying around £12 a month as well as £12 charges for late payments!!I sent a…
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What are the chances.....
I have applied for a loan from Tesco, which has been approved in principal. They sent me documents through the post to sign and asked for a months bank statement. I have printed this off, but looking on the bank statement there was a period of a few days where I was above my o/d limit and within the statement i am not in…
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Loan Agreement Advice
I Am Trying To Find Out More Information Regarding Unsecured Personal Loans Taken Out Before April 1st 2007.i Have Read Brief Details That Suggest The Loan Could Be Cancelled Or A Claim Made Against The Lender Based On A Legal Technicality.is This Something That Can Be Looked Into Seriously Or Is It A Very Long Shot With…
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Can a housewife get credit/loan
I am a housewife with 2 grown up children. I have never had any debt problems. I do buy from catalogues but always pay back. Is there anyone you know of any companies who offer loans to housewifes. I dont have a mortgage, i own my home out right. I would like to help my daughter out without my husband knowing and would…
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Paid way over the odds for a loan
Hi Basically, I took out a loan for 10 years in 1998 for £865 which meant (when I added it up) that I paid back £2250!!!!!!! We were told that we could repay the loan sooner - we were moving house within the month - and it would save us money. The sale of the house meant that we had the finances to pay it off. When I…
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WH Unsecured loans....
Ok so I posted a few days back re: yes loans. decided against paying 60% apr and requested my money back. Long story short - had loads of phone calls from people who now have my info (nightmare!) and one in particular earlier from WH Unsecured loans - these seemed to be not quite as stupid as yes loans but still after my…
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What is the rate of interest per annum
We have a loan quote with APR and then a different rate called rate of interest per annum. Can anyone explain what this is please
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Student Loans Company Overpayment help!! Please?
Hi there, I am 21 and used to be a student, I have this £1590 debt that the Student Loans Company want me to pay them back now. Apparently they 'overpaid' me what happened is i dropped out of college and about a month later i got my usual installment i thought sweet i wont have to pay this back until i earn over £15000 a…
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Secured Loan Query
Just wondered, is it possible to have 2 secured loans on the same address? I;ve read things saying thats it can be done, but most people I;ve asked say no. Can someone clarify this for me please?
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loans
i am behind on an unsecured loan however I am paying £100/month short by £60 i do speak to the bank and they have told me they cant make a long term agreement(a few months) so every 16 days they ring me I explain they say thats fine dont worry then take money out of my account leaving me with nothing i ask for it back they…
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IVA / Debt Consolidation Help
Hey Guys, Am fairly new to this... so any help would be appreciated :o I am currently in the following debt: EGG Credit Card: 1600 Virgin Credit Card: 1600 MBNA Credit Card: 1600 Overdraft (Natwest): 1900 So... in total £6700... I know that most people on here are in LOADS more debt than this but this is MASSIVE and very…
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no credit check loans?dodgy company?
Hi everyone. I'm new to this site but I was wondering if anyone could help. I'm currently looking for a loan but dont have the best credit rating. After searching high and loan I eventually came across a company who offer gauranteed loans with no credit checks.....basically you purchase the loan. After considering this…
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Reclaiming PPI
Hi, been reading all Martin's info on reclaiming PPI and wonder if its worth me having a go. I applied online for an MBNA credit card in Oct 2005. I didn't realise at the time that PPI was included in the online application. I have recently received an updated conditions of of contract which also includes changes to the…
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Unfair Credit Agreements
I seen an advert online from a finance company who were saying that many/certain credit agreements are unenforcable. I e-mailed asking for a little more information & received this back: Based upon the many agreements looked at this year by our legal team at ********, check out the website of ***********who I represent,…
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Unregulated car lease purchase?
We are about to change our car but found out from the garage that we were in an unregulated lease purchase agreement. This means that we can't simply just hand our car back at the end of the 3 year term, we will also be liable to the shortfall in its value against the balloon payment - all because the loan was above £25 k.…
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Payday loans
Hi, I currently have 4 payday loans which for about the last 6 months i have paid the interest fees on so i am paying £180 per month, i was planning on paying one off each month but unfortunately my hours at work have been cut down, i am trying to get another job but obviously its going to take a bit of time. I would…
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business or personal loan
I am thinking of buying into a franchise and I am unsure on the difference between a business loan and a personal loan, if anyone could advise that would be drill. I may be about to made redundant and want to sort my future out, the loan I will need will be about 13k to start be off within this franchise.:eek: :eek:
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BlackHeath loans - Anybody??
Hi All, Has anybody had any dealings with the above mentioned company? Good/Bad? I have been offered a 5k loan with them, just wondering if anyone else has been with them. I have received the paperwork and they have asked me for a guarantor, it also says in the paperwork that they "are pleased to inform me they have an…
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Cahoot flexible loan help!
Hi, We have a flexible loan with Cahoot and as everyone who has one knows, the interest rate just keeps going up. The amount of interest we're now paying on it is ridiculous. So a couple of months I applied online with Nationwide for a fixed loan to pay it off. We've had accounts with them for years and had a personal loan…
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Relationship Split - Struggling With Loan Payments
Good morning all, I have recently split up with my partner and moved out on my own, we have a joint mortgage and a loan secured against the house she still lives in. We are both struggling financially and managed to reduce our payments on 2 unsecured loans to 10% of the usual monthly payment on a temporary basis. We have…