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Assent Link Hassle
I need some advice regarding Assent Link (No1) Ltd and my bankruptcy. It appears that Assent link have taken over a debt from one of my old creditors and recently sent me a letter advising me that interest is still accruing on the account and despite the fact that i have been made bankrupt, they tell me that interest is…
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Halifax PPI
Ok here's the rough guide to how I think I have just been totally squashed by Halifax. Took out a loan in 2007 (think it was May, maybe even April)... anyway I got sign off work for 6 months with depression, anxeity and stress in July 2007. Finally went back to work in Jan 08. Still waiting now for Argos to pull their…
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late payments / missed payments ?
Just a quick question, Can someone please tell me if late payments are classed as missed payments ? I have a couple of catalogue payments that i had paid maybe 2 days late but it shows on my credit file as 1 month late. Will this affect me in applying for a loan ?? (All of my other accounts are ontime) Thnx in advance xx
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Please can someone give me some advice?
Hello, I have been getting along for the last few months by the skin of my teeth. I have not missed any payments or payed anything late so far on anything but I can forsee probs if I cant get something sorted. I wanted to apply for a loan to clear my credit cards and my WFTC overpayment but was refused. I checked my credit…
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Early Settlement of a loan – can’t work out their calculations
I took about a loan nearly 5 years ago for £15,000 – (20 year term) I got a letter from the lender the other day (Paragon) informing me of the balance if I was to pay off early. Total remaining loan amount payable including future interest due £34,685.42 Less Rebate of future interest charges £15,809.99 Less PPI rebate, if…
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BlackHeath Loans
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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Halifax Further Advance
I have recently bought a flat for £160,000. Deposit was £50,000 with £110,000 (fixed rate for 2 years) from Halifax. I have an income of £30,000PA with unsecured debts (credit cards and overdrafts) of approx. £3,750 Credit Card 1 is a Barclaycard Platinum (taken when I was a Barclays employee and thus previously had an…
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Mis Selling of Bank Loans by counter staff
Hiya, New poster here so don't know where to put this. Don't know if anyone has had the same problem as me or not, or what I can do about it. Every time I go into the bank the counter staff notice I have a maxed out £3000 overdraft (which has an interest payment of £38 roughly a month), they then tell me 'you should get a…
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£20,000 loan for a self-employed youngster - impossible?
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Loan or Credit Card?
Hello everybody, I'm looking for some money for a car. I can buy the car for 1000pound deposit and the rest pay off monthly or pay everything in 1 3000pounds. But now i'm not sure whats cheaper a credit card for 1000 pound or a loan for 3000? How can help me?
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Bank Overdraught
I am trting to decide on a Personal Loan however, although I have a good credit score I have been overdrawn on my Current Account overdraught during the past year. Can anybody tell me whether this will affect my application - is an overdraught counted as 'credit'? Many Thanks to anyone who can offer any advice.
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credit crunch biting ?
I am a bit sceptical about all this credit crunching going on - anyway I had an experience today which i found a bit concerning. I am 2.5 years into a 3 year HP agreement with Capital Bank (now just called Bank of Scotland). I have decided to change my car, and phoned up for a settlement figure. Once I got that, they asked…
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Loan Help...
I started a course with The Skills Train just over a year ago which i now believe i was juoed into. The guy that came to my house to meet me was supposed to be a sort of enrolment officer but he was nothing more than a salesman earning commision. The course takes a lot longer and is a lot harder than they make it out to…
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Loan Question
I am about to go into full time employment next week and have been temping full time for the past three years. I have a good credit score, a decent credit history and have slowly built it up. Now I am looking for a loan to get a car. I am considering going to my bank but would the fact I am new to my job effect the…
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loan problems
hi the names steve, took out a loan back in 94 still have hanging around today when i took the thing out originally it was insured but it seems in name only the wife and i had a mutual split over that and some other issues for a 14 month spell and during this time the bank had been informed and i was told not to worry very…
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could someone please help going insane!!
hi i am desperately trying to get a loan, been turned down everywhere the last place i spoke to told me that the reason for this is that i have no credit history and i am not on the electoral roll yet i know i can apply to be put on the electoral roll but how on earth do i get anywhere when they are turning me down because…
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MBNA reclaim probs
Hi there Hopeing someone can help/offer advice. I sent a letter to MBNA last month to recalim two years worth of PPI that I believe I was mis-sold. I have been insulin dependant diabetic for over 12 years and their policy does not cover existing medical conditions - therefore would have been useless to me anyway. Their…
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Loan Advice
I've a 6k loan with welcome finance that I applied for as I had some credit problems in the past. After viewing my experian credit report it shows that the problems that I thought I had have dropped off so I had no need to apply with a complany like welcome finance. I'm paying £256 a month :eek: and 29% APR, and obviously…
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Already got 5K loan, need extra...advice please!
Hi all, new here, fantastic site, just wondered if anyone out there has a solution to my predicament. Okay, I already have a £5000.00 loan with Natwest, nice affordable monthly repayments of £112.00, I also have 3 credit cards with a combined debt off £7000.00, I am currently on minimum payments on all 3 which totals…
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Is it really this difficult to get a loan ?
Hi all I could do with some advice me hubby is self employed we have just moved into our new home and need a loan for some home improvments, However we own the house outright (no morg) and husband hasnt been self employed long enough to prove income . Where is the best place to go to get a loan ? Thankyou for your help
