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Help with loan please!
Hi all - wondered if someone can help me please. Today i rang up the company who my loan is with to see what the balance is - they told me it was £0 and thanked me for paying the remaining balance. The thing is i havent paid it off and there should be quite a high amount left - in the thousands. I asked them to send me a…
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Loan Insurnace refusing to payout
In 2004 I was a drector of a company along with my parents and we took a loan out with a bank with a horse (not sure about the protocol of naming names here). We decided to take the PPI insurance in mine and my fathers name as we were the key workers (more fool us). Just before the loan was taken out (September) my father…
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Default on Unsercured Loan 12 years ago
Hi I defaulted on a personal unsecured loan about 12 years ago. The amount was just over £1000, I had paid most of the loan back . I know at the time I shouldnt have done it, but it happened and have been worried about it ever since. I am worried that because of this I have a criminal record. The bank involved never found…
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Criedt report - cheapest after using 2 free options
Hi, I would be grateful for advice on the cheapest way to view my credit report online – I have used the 2 free trials at Experian and Equifax in the past. Thanks in advance for any help.
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Sickness policy paid out
:rotfl: :rotfl: Thanks to this web site I have gained £3900:rotfl: :rotfl: I took out insurance on a loan back 4 years ago. When i was expecting my son I lost his twin and went off work with stress for 4 months. From that I went on maternity leave. I did not return as I was signed off sick for a further 6 months with post…
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Loan Settlement :)
Just got off the phone from Nationwide to set up the one off and final direct debit to take out the amount needed to settle my loan :j So happy to be paying it off, just wondering how long does paying it off by direct debit usually take to take the money from my account? They said a week max on the phone. Just wondering…
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Helping mum pay off £9700 - should I take a loan out?
Hi everyone Would be really grateful for some help. My mum, 63, has £9700 of legal fees to pay off. She is on minimum wage and hasn't made a dent on paying it off. My brother and I want to help her clear it. She pays 100/month at the moment and my brother and I are going to contribute a 100/month each both. so 300/month in…
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clydesdale Finance
hello can anyone help my dauhter and her ex boyfriend.they took out a intrest free agreement for £750 she paid £600 back before the year was up and was 2 months late on the balance of £150.Now 16 months after the last payment clydesdale are after £560 intrest. davemull
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Consolidation Loan
Hello! I have 2 credit cards: Barclaycard £3000 - 17%APR Halifax £2000 - 0% APR but will run out soon & go up to something ridiculous like the other one I'd like to consolidate them in to a loan, & wonder who's best to go to? I know the best place for a loan is supposedly your bank, but that's Barclays, and I'm sure they…
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Refused a Loan Due to Lender Specific Info
Hi guys, I applied for a RBS Graduate loan last week to purchase my car (the loan will be repaid using half my monthly car allowance from work). Long story short (terrible customer service) the loan was refused due to information not on my credit report but due to RBS knowing how I ran my student account, admittedly not…
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Help with Halifax loan
Hi there, I have a loan with Halifax taken out in June 2007. Like a fool i took out the PPI as avised by the nice lady. I can't say that i was miss sold it as i understood everything she said. I just didn't know that i could get it cheaper elsewhere. I understand i haven't got a claim to get a refund on the PPI. I would…
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Cahoot loan please help!!
I got a flexi loan out with cahoot in dec 05 for £2000 over 4 years, repayments £50 a month (first payment 17th dec 05) I was going through a divorce towards the end of 2006 so missed a couple of payments but caught them up and have paid regularly until last month, I'm changing bank accounts and sorting benefits and stuff…
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Money problems
Hi guys need some advice and help basically i have £700 left this month and i have £900 outgoing i can't get a loan as my credit rating is worse than appaling, alot of my debts end next summer 2 loans and a car hp so i will be fine come then but i don't know what to do other halfs grandad just died so i don't want to add…
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GE Money loan problems
Hi - sorry if this has already been covered, I've had a look through and can't find anything. I had to take out a loan in 2004 when my boiler died. I was pretty green and also desperate so I went to British Gas and they offered me buy now pay later or take out a loan. As I didn't think I'd have the money "later" either, I…
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GE Money loan problems
Hi - sorry if this has already been covered, I've had a look through and can't find anything. I had to take out a loan in 2004 when my boiler died. I was pretty green and also desperate so I went to British Gas and they offered me buy now pay later or take out a loan. As I didn't think I'd have the money "later" either, I…
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Loan? Overdraft? CC?
Hi everyone, Any advice would be appreciated here. I have a family loan that needs to be paid back yesterday, for £4,000. My credit isn't wonderful but I do earn a fairly good wage. I don't own my own house. My partner fell for the Yes Loans line and paid them their "admin fee" after they managed to persuade him that he…
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Can a joint loan be "unjoined"?
Hello, Wonder if anyone can help. My parents have joint loans and it's causing friction between them. Would it be possible to "unjoin" the loan or are they stuck with it as they got it initially? Thanks
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Do I pay it Off
I am sorry if this at times appears a little vague but I do not have all the facts. Some months ago I needed to borrow £9000 to assist my Son. In order to do this I borrowed against 3 Endownment type savings which also offer life Insurance linked in. The interest rate on the loan was 7% APR. One of the policies is due to…
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Mis-sold Loan/PPI Reclaim from GE Capital
I have just looked through some old paperwork and discovered a car finance agreement dating to Sept 2004. This was for car finance from Carcraft in Newport with finance through GE Capital bank. The first thing I noticed was that PPI had been added, we have not taken out PPI on any finance since 1998 as I discovered it…
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My Experian Report
Hi, i am going to be applying for a car loan very shortly. In the past i have always just taken the first offer from my bank. I would like ot shop around this time. How many applications can you make before you start hitting you credit file hard enough that either rates go up or i start to get declined? Cheers.
