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please help!! read the stoneacre story. advice gratefully received
any advice hints and tips of how i should go about my story would be fantastic. thanks in advance!!! (stoneacre car finance loans section)
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Loan - Do you think this situation is strange?
Hi all. I really need to rant and rage about Norwich and Peterbourgh! Two weeks ago my partner and i applied for a £20,000 loan so we could have an extension done as we cant sell our house and we need a second bedroom by march. We had to wait over a week before they told us that they declined us on affordablity. They…
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Loan settlement offer: Nationwide
Hello! If anyone could give me their thoughts on the following, I'd be very grateful; I owe Nationwide around on a loan I have with them. I currently have an agreement with CCS to pay this back, together with a couple of other debts from other institutions. I make my payments via CCS each month, but a couple of weeks back,…
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Everyday loans...whats going on with them?
I have a personal loan with Everyday loans, and have been paying them for over a year at a rate of £230 pm, but recently, I recieved a letter from them to say my local office was closing with immediate effect with no warning, and my account was being transferred to the central office. No problem I thought, but since then,…
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stoneacre car finance
:confused: hi there can anyone please advise???? long story short! couple of years ago i took out what i thought to be car finance for 5 years, after 3 years i could give my car back and the rest of the loan would be wiped (bearing in mind i was a 21 yr old female on her own with car sales predators falling at my…
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finance company problems
Hi, I'm not sure if this is the right section or not so sorry if I have got it wrong ! I just wrote a really long post explaining everything then lost it so heres the shortish version..... Feb 2006 we took out a hire purchase agreement on a new car thinking we were financially secure. March 2006 I was found to have a…
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HFC Disaster
Hi All. I've posted this into the PPI thread also and was advised I may be able to get help here. I'm new to all this and am desperate for help. I took out a consolidation loan in 2004 with HFC. Walking through their door was the worst decision I have ever made (alongside marrying my ex-husband):rotfl: I was told I had to…
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Debt consolidation and Letting deposit.
Hi All, I currently have £3055 owed to Barclays for a career advancement loan, and £400 outstanding on a barclaycard. The Barclaycard is at thier standard rates (22.9% I think) The Barclays loan is coming to the end of a 0% Buy now Pay Later period. and will shoot up to over £6000 overnight. Also, my housemates and I want…
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Interest on loan - advice please
I took out a loan from Sainsburys bank a few years ago, and defaulted on it. The loan was for £8k. They sold it on to a company called Marlin Financial who immediately sent me a letter saying they were instructing their solicitors to try and obtain a charge over my house. This was done, and the amount was passed by the…
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Loan Settlement
Hi, I owe Sainsbury's £4700 on a loan I have with them. I received a letter last week offering to settle the loan for 60% which is roughly £2850 if I pay it all this month or 70% if I pay it over 3 months which is roughly £1100 a month. Having sat down and figured things out I can just about manage to pay it off this month…
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PPI claim on old loan
Hi there, can anyone tell me if i can claim ppi on a loan i took out in august 2000, i have the original agreement, the loan finished in 2004. I paid in total £2200 PPI, i never used it, i was self employed and never offered any PPI advice Kind Regards MARK
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Raising cash for care home fees
Hi all Just wondered if anyone had any advice please? My mum is in a care home and to continue the funding we are selling her house (goes on the market next week). However we need to raise a bit of money for the interim care, especially as the house may not sell quickly in today's rocky sea of financial turbulence. We…
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Student Loans - admin errors meaning I'm not repaying
I graduated in 2002 with a student loan debt of 12k. I;ve been earning over 15k (the repayment threshold) since June 2004, but I've not once had a student loan deduction from my salary. This was convinient for a while whilst I was earning below 20k, but I can now afford the repayment quite comfortably. I'm just a little…
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Loan with old default
Hi.. Me & my husband has just had our 6 years of defaults removed from our credit file. I have noticed that I have one default from 2004 that I wasn't aware of. It shows as satisfied. Only for a very small amount. How do you think that is gouing to affect me and my husband in applying for a unsecured loan of 10K? That's…
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Extemely high APR rate
Hi, I currently have a loan with Lloyds, the APR on this loan is 11.9%. I want to try and reduce this rate by taking out a new loan. When I checked online, Lloyds the bank I have my current loan with (on which I have never missed a payment), all they could offer me was a loan @ 24.9%! i have been overdrawn on my current…
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loan charges harrassment from hbos
Can anyone help me. I have a loan with hbos and have missed some payments and am a bit of a lazy payer but as far as i am aware i have caught up with any payments. About 4 weeks ago I started getting phone calls to my home telling me I had charges for late payments. I asked them to explain the charges and why I had never…
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Credit check without permission
Hi, i have spoken to a few loan companies over the last week or so. I have only given one the go-ahead to do a credit search but Welcome Finance, who have not even spoken other than to tell them to stop phoning me, have gone ahead and done a credit check. I gave details to one of their sister companies - YesLoans - in…
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Greenwoods Help
I have a greenwoods loan and cant afford to pay it what do i do? The manager is due out on tuesday help! They want me o pay £32 a week which i no longer can afford i have asked to have it reduced but they say due to arrears they cant do that. Advice please
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Payday UK/Quidco
Good morning all, I'm hoping somebody will be able to help me. Unfortunately I have to take out a payday loan (yes its desperate times). Having a look through the forums I saw that you can get £60 cashback via Quidco if you use Payday UK. I haven't used Quidco and I've just set up a new account etc. I got to Payday UK via…
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provident problem
Hello this is my first ever post, i am looking for some advice regarding a provident loan i recently had (yes i know they have very high apr). I had a loan previous and always paid up on time, so when i finally paid off the balance i decided to get another loan for £600. The agent called to my home and the first thing i…
