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Black Horse Fixed Sum Loan Agreement
Hello, I'm new on here so please be gentle.... I wanted to get out of this agreement and contacted Black Horse to see what I could do. They said that it was a loan and I could sell the car and pay them back. Sorted so I thought!! So I contacted a friend who could do acouple of repairs needed, MOT etc and he is linked to a…
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OUSBA Loans
OUSBA is the Open University's credit dept who provide fixed term loans for courses. They credit check you (through Experian). I'm just wondering if anyone has an OUSBA loan. Does it report to the CRAs? What does it report as - unsecured loan? Many thanks.
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Short Settlement
Hi all I am settling my loan early but have disputed my figure they have agreed to reduce it but said it may show as I have short settled my account. Does anyone know what the consequences will be if it does show as s short settlement? Any help is really appreciated. Thank you
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(((((((((help))))))))
Hi all, I’m just looking for a bit of advice about a debt. I will try and make the details as clear as possible. Around 3.5 years ago I lost my job and had to default on a loan which had about £2900 outstanding on it. Around a year after that the bank offered me a settlement figure on the loan of £2100 which meant the…
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Simple Question - loan procedure?
Hi, I applied for a personal loan online to buy a car on Saturday from Barclaycard - i already have a credit card with them, and a top credit rating so i don't anticipate any problems. Its been years since i got a loan for anything, can someone relay their experience of what happens now, how will i be told if i'm accepted?…
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Help - Settling loans early and Interest
Hi All, I have an issue with a loan I took out and want some advice. After leaving uni I had a few credit cards and a bank loan. The original bank loan I took out was for a few grand and the interest was charged on top of the loan (based upon the duration of the loan - 4 years I think) and then added to the final amount. I…
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Perosonal Loan - Rubbish 13.2% APR rate
Hi All Got a bit of a dilema so I hope you guys will here me out. My GF and I are looking to get a car and a flat but we are not having much luck on the flat front because we are still very cautious of overpaying for something in the falling market. So we think it will be another 6 months before we buy a place and want to…
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Confused about my loan insurance...
I took out a £5000 loan with HSBC last year. The value of the loan was actually just over £4000, but the loan protection insurance made the total value £5000. I took out the insurance when I worked in my old job as there was a lot of uncertainty about the future of the business and I may have found myself out of a job. Now…
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Help with Welcome Finance... Please
Hi, I really need some help... This is more for my father than I. In 2003 my dad took out a loan with Welcome Finance (am unsure if he had a loan previous to this). The amount according to the paperwork that I have seen is £17,317.03 (which seems like an odd amount and I suspect it is a loan on top of a loan... I digress).…
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Being held To Ransom by The Mob, AKA LloysTSB
Thanks for taking the time to read my posting 6 years ago I took out a loan of £17000. This loan was more or less thrust upon me in as I was im my early 20’s and I went in to my branch to borrow 2/4k for a car, and the bank said you are a gold customer, and could borrow 20k and have the funds available the next day. The…
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Black Horse Finance
Hello All I was wondering if people could offer some advice... I took out a car finance agreement with BHF arround 3 years ago and have been paying back nearly £9k for a car that was only brought for £4500. I was a little silly in not really knowing what i was getting myself in to and needed the car for work. Is there…
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Help?
First off hello :) ... Hope this is in the correct section. Ok, I need some advice and really dont know where to turn. I get paid £800 a month after tax. I owe lloyds tsb £3000 I owe egg card £1000 and owe my parents £5000 for a car. I kept missing payments due to having messed up direct debit dates, My tsb Overdraft was…
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Avoid YourPersonalLoan.Use Moneyback Bank
Applied for a car loan to lowest rate posted, ie yourpersonalloan. I have an excellent credit rating but was refused twice by them, stating my credt rating was the problem. I checked this and found it was okay. Went to MoneybackBank, ie Alliance and Leicester and within one day was confirmed, one phone call later I was…
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Personal Bank Loan
Hi, i took out a personal loan for £1000 pounds from my bank Lloyds TSB. I took it out around mid July and as i only actually wanted half of it i paid £500 straight back there and then. I enquired as to the amount currently to be repaid and the interest must be killing me because there is still £460 left to pay. I pay £67…
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PPI - urgent help required.
i have a loan agreement for £5000 over 3 years. it is currently sat on my desk waiting to be signed and returned. the agreement has PPI attached - my question is, is it worth the £800 n odd quid extra its going to cost me? if not, im under no obs to take up the loan, so i will simply shread it and re apply. all help…
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Welcome loan can I cancel the PPI straight away and still get the loan?
Hello all, this is my first post on here. My husband has applied for a loan and was refused but they passed it on to the Unsecured Credit Company who also said no but went through to Welcome loans who said yes. This was on Monday and we are still waiting for the paperwork to turn up (today is saturday) but this is what…
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Help needed with Lloyds PPI and FOS please
I wondered if someone can give me some advise please? I submitted a claim to Lloyds for credit card PPI for the past 6 years or so. I wrote to them asking for details of all the cards I have ever had and based my claim on that from 2001 onwards. Lloyds declined my claim so i sent it to the FOS, I have received a letter…
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Student loans company "sold debt" to Thesis Servicing Ltd
This morning I received a letter from the Student Loans Company basically saying that they have "sold" my student debt (about £3000) to somewhere called Thesis Servicing Ltd, who will administer payments and so on from now on. The attached URL: http://www.thesis-servicing.co.uk/ The only thing I can find out about this…
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Paragon
Ok, back in 1998 we took out a loan with Universal Credit for £15,000 sadly we got in a bit above our heads financially, so in 1999 took on the help of Eurodebt. We stayed with them for 2 years, then continued with the payments they set up. It's now almost 10 years since we started and after paying UC nearly £22,000 back…
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Help with Loan - Is balance transfer possible?
Hi there, I'm new to the financial world and have just left home and bought a house with my g/f (just before the market crashed). We took out a 3k loan and am now paying over £100.00 a month and am mad at the 25% interest rate. Does anyone know whether I can just get a credit card or something and transfer it over and…
