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Asda Loan Scam
OK it may not be a scam but it certainly feels like one. Advertised as 7.4% apr, applied on line, application was accepted. Rec'd email to say go to website and complete the transaction - there was NO mention of any revised rate but on entering the site I noticed the APR had changed to a whopping 19.9%!!! Phoned up and…
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Dissolving companies/Restarting again
Hi folks, Was not certain where to add this but anyway, many of you may have tried to reclaim maybe Payment Protection Insurance (PPI) due to being mis sold this, or you may have other reasons for complaint against a firm. Now recently I have been reading a lot of posts about companies dissolving and restarting again, just…
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Unpaid loan for 9 months please help!
I just noticed that my RBS loan for 269 per month has not been paid since january (9 months). I know it sounds wreckless but i had not heard from the bank nor checked my account. At the start of the year the i took advice from here and set up a direct debit account and never included my loan in my sums. So 1st month it…
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Loan Advice with bad credit
HI All I am currently in a relationship but we are breaking up. The one thing that i am worried about is she got a loan for both of us - i used my share for a car and her's was debt consolidation - it is all in her name as i have had finance issues in the past. The loan from my side has about 20 months left at £300 a…
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Eligible for PPI Reclaiming.
I have been reading up on PPI reclaiming, but un-sure if I am eligible to go ahead with it. I originally had a loan with Tesco, with insurance, I then moved the loan to Lloyds TSB and paid the original tesco loan off. I am sure, but will need to check but I think my new Lloyds loan has insurance. My question is, can I try…
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A new loan or use savings to buy a car
Good evening everyone. I'm in a very fortunate position where I'm going to buy a car. It will cost £21810.99 and I have been offered the following loan:- Cost of car - £21810.99 term - 3 years deposit - £10000 charges - £1344.21 Balance - £13155.20 Acceptance fee - £145 Final doc fee - £60 (payable at end not included in…
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No History Loans
Need some help after been bamboozled by £49 admin fee takers. I have no credit history, never had CCard or Loan (but on electoral roll) and apparently this makes me the most unattractive loan option possible. I am in need of a short term £5k loan but have only been offered guarantor loans for £3k with rather shocking 45%…
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I think were being conned
Hi I`m after advice on a loan that was taken out in MAY 1996,yes 1996,it was for £5500 after 6 months we got into difficulty in repaying and came to an arrangement to repay.To date,after the company was taken over by Paragon pers finance we had up to Nov 05 which was the last print out received I have to requested an…
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Loans on behalf of a third party
Hi, My Parents (Who have a very bad credit history and can't get any form of credit now) have asked me to take out a £3000 loan on their behalf. Obviousley it would be in my name, and the bank would think it was for me, yet the money would actually be going to them. I was just wondering, what is the legality of this? It it…
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Pay Off Loan?
I know martin raves on about paying loans off.. but basically im still not sure.. I have approximately £5100 left on a personal loan, and have now managed to save up £4600 so far. Both the loan and the ISA are with Natwest, and basically should i merge the two...? Thanks in advance. Regards, Richard
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urgent help needed-when to apply?
Can someone please help? I am usually pretty good at sorting these things out myself but would appreciate some help on this one. Sorry if this is a bit long winded! I have recently remortgaged as my last mortgage deal came to an end. I borrowed more on the new re-mortgage (which is in joint names with my boyfriend) in…
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Quick quid and credit report entry, wrong!
I applied for a loan of £200 on the 3rd August 2007, this was declined and i never received any funds. I just got my credit report today, and it shows CashEuroNet UK (i.e Quick Quid) as me oweing them £200 and 10 months of default notices. I contacted them immediately and was told i was correct but it was impossible…
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Unregulated HP Lease Agreement PCP
Help Can anyone give me info on unregualted HP AGreement for Car Finance. I took aout one of these agreements in Dec 06 for a vehicle. Yhe total finance was £36k. Now my partner has been laid off and I am struggling with the repayments. I have been informed by the finance dept that i dont have an early termination…
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Welcome Finance
Hi, we have been offered a £2000 loan from welcome at an APR of 72% over 3 years which is £117 a month. We realise the APR is horrendous but our credit rating is very low at the moment and we do need the cash! They are the only company to consider us without a big administration fee. Anyone any positive or negative…
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casr finance loan hire agrement
Hi im hoping some of you may be able to shed some light on this situation... basicly my mum got herself a new car a bit over a year ago i was under the impresion it was a motibility car but it seems she was conned? in to getting it on lease hire for just over £280 a month and also has to pay nealy £800 servicing roughly…
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personal loan or stick with overdraft
I HAVE A OVERDRAFT WITH NATWEST FOR £6,000 NEVER GOES DOWN,I HAVE JUST RECIVED A RISE FROM WORK,SHOULD I GET LOAN FROM BANK,IF POSS!! OR JUST LET IT RIDE AND SEE IF I CAN REDUCE IT, I WILL NEVER BE ABLE TO PAY IT ALL BACK FOR YEARS.
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Yes Loans
Just a warning for anyone considering using https://www.yesloansuk.com/ They promise to find you a loan for the amount you ask will ask a number of questions and get your approval for a credit check. Will say you have been approved and then ask for a £59 admin fee over the phone. I am not a complete idiot so asked if my…
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Alliance and Leicester Overdraft
Hi, my A & L account has an overdraft limit of £500 (drinks on me :p ), I have never used it however, but reading the terms and conditions, its appears that if I were to use it up to the agreed limit of £500 then I would only pay £5 each month. Is this correct? I am sure I would have to pay interest on it but I can't find…
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Natwest Loan Credit Scoring
Thursday I applied over telephone to upgrade my step account to I was sold advantage blue, this was done and documents sent out in post Then they tried to sell me everything, asked if i wanted o/d said yes, was declined, but told to run new account for 3 months then apply Not too sure whether I get the maestro card, as he…
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ppi reclaim
hi im new back in september 2003 i took out a personal loan with the halifax i remember at the time telling them that i was self employed and they sold me ppi but i have now read the policy and it looks as though if i wanted to make a claim for unemployment i would have to stop trading and/or be in the process of being…
