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Forced to take out a personal guarantee
Background: In 2001 i started a limited company, i employed one person and did most of my work in Ireland, as such i received my payments in Euro's. During 2004 the amount of money coming in Euro's was quite high, but as is the case my outgoings were also high. My bank (the worlds local bank) allowed me to draw on funds…
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Benefical Finance / HFC Bank
Hi All, You may have read my other thread about trying to get a short term loan to pay a deposit on a rented flat. Yesturday I phone Benefical who are the new name for HFC. They took some details and promised to phone back within the hour but didn't. They then phoned back at 6.30pm while I was out. I phoned them back this…
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Welcome Finance - Voluntary Termination
Hi all, The 28th of September was the half-way mark for my HP agreement on my car. I have taken the decision to voluntary terminate the agreement and I wrote to Welcome Finance on 2nd October 2008. I heard nothing for some time. I telephoned them and was informed that they had received my letter and then proceeded to, I…
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Should I cancel PPI now?
HELP! I am in the process of reclaiming PPI on 2 loans through a solicitor, should I cancel the PPI now or will this interfere with the claim. I have been told the claim could take up to 2 years. I don't really want to keep paying the PPI for the next two years knowing I don't really need it. Should I cancel it now?
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Advance Fee from Loan Broker, Scam?
I am having financial difficulty at present and I am trying to consolidate my existing debts and pay a deposit for rented accommodation. I have made an application with a comany called "The Credit People" (http://www.creditproblemsnoproblem.co.uk/). Well they gave me a call and after a few questions they put me on hold to…
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debt chasing by Lowell Portfolio / Mackenzie Hall help needed!
Hey there, I am hoping for some advice! I have just received a letter from Lowell Portfolio / Mackenzie Hall debt collectors saying i owe £30 from a mobile phone contract from over 3 years ago with 3G. I've done some research on these guys and they seem pretty shady specialising in collecting very old / unrecoverable…
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zero percent (ish) or life-of-loan?
Hi All background I'd been debt free for a few years (therefore probably have a good credit rating) - then at a certain age :-) thought "what-the-point-of-it-all ..." and bought myself a sports-car. Now I've a difficult bit of maths to do. Currently I owe 11k to zopa at 8.8%apr (and am allowed to make extra payments), and…
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Loan Newbie
I'm looking to combine my credit card debt (nearly £4000) Any advise on where the best place to go is, Ive no idea about loans. Thanks in advance Pearl
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Welcome - Refund Late !
We cleared the noose around our neck earlier this year. Paid the over the top settlement fee, but it was gone at last. I got a letter off them this week saying that the figure was wrong and that they were giving me £1275 back and that it would be on or before the 14/10/08. Upto now 9:05am on the 15th only a mysterious £81…
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Reclaiming from halifax
Took out a £10,000 unsecured loan in jan 07 ,wrote to halifax trying to cancel insurance in july 07 but was sent a letter back saying i would have to take out a new loan without ppi,so i just left it at that. Recently started reading the website and am enquiring whether i can claim back the ppi as it says on the website…
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Please help... Welcome Finance (you may be sick of these)
I have posted previously, but I was told to do some more digging... so here goes. The background: My dad took out a loan with Welcome Finance in 2003 for £17k. He made payments to the account over time. This was on top of a house mortgage. However, in 2004, he had major heart surgery (he was in hospital for a number of…
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life insurance with loans
Hi ive just been to the lloyds tsb bank to arrange a loan with them. i have one from 2 years ago and want to combind that laon with a visa ive ran up:rolleyes: . The young lad that i saw said that couldn't have the £7500 loan i need as the life insurance i have doesn't have criticle life cover with it, a (Ive checked with…
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Help with FirstPlus
We have just received a letter from solicitors acting for FirstPlus saying that they are going to commence repossession if we don't pay the arrears within 7 days of the date of the letter. The letter was dated 3rd but we didn't receive it until 10th. We rang the solicitors, told them about the dates and they said not much…
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Barclays Fixed Sum Loan Agreement
Hi, I have just had Weatherseal out because I am looking for new windows. However, I could not afford the full amount (£3000) and as a result have taken out their Finance aggreement (over 120 months was the norm). I intend to put a lump sum down or around £2500 within the first month (I was not allowed to pay more than a…
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extra payments to my loan
Can anyone tell me if you can pay extra into your personal loan and if its worth it no matter how small the amount? Cheers
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The bail out, Im annoyed
Hi, I would like to ask people what there thoughts on my view here on banks being bailed out. I have watched in amazement the last week on the £37 billion pounds of OUR money the govermant are helping lloyds tsb, hbos and RBS, and probably many others. My point is, during that week, I have not heard one person ask this…
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Paid off loans but charged £600!
I recently paid off three secured loans with GE money all at the same time back in august this year and looking back through the paperwork i realise that they charged me £200 admin fee for paying off each loan, totalling £600. Is there any chance on claiming this amount or some of it back?
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Can I make an offer to pay back my loan
When I was younger I made a number of stupid mistakes, I'm now in a situation that I'm struggling to control. I have a managed loan with HSBC which seems to be a total con, this year alone I re payed over 3000 but the principle has reduced by less than 800! Not only is it getting me down, I'm in a situation where I may…
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welcome finance(robbing b******s)
Around january time,i got a rebate from welcome for my ppi.i then sent them a letter for my new balance and revised payment.i didnt get a reply.at the beginnig of january,i got a phone call from a scottish branch,regarding non payment i told them that i was waiting for a reply to what my new payments would be.she then said…
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Loan Repayments
I have just been made redundant. I have a bank loan that has monthly repayments. I have not found a new job yet and dont have payment protection on the loan. By law am I entitled to ask for a holiday on the loan repayments. My loan is with RBS. Can you please advise me of what I can do!! Thanks
