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help with lLOYDS tsb loan
HI all I hope some one can help me, i took a loan out for my car in April 2007, i then found out i was pregnant and took maternity leave for 6 months this year, i rang lloyds up to ask if i could take a months repayment break and if i could lower my monthly payments whilst i was off and add the extra to make my repayments…
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Nationalise Student Debt
NATIONALISE STUDENT DEBT A petition to the Government to nationalise all student debt. We note that the Government has nationalised the debt of banks that have run into financial difficulty, and believes that graduates should be afforded the same treatment. Graduates pay an extra 9% tax on all their income over £15,000…
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HSBC Loan
Can anyone help me? In April 2006 I took out a HSBC unsecured loan for £19000 plus PPI, which I was told, I could not get the loan without it. The total monthly repayments were £335.77 with PPI and these began on 1/8/06. However, on 31/5/07, HSBC agreed to consolidate a credit card amount of £1000 so rearranged the…
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Overdraft limit reached/breached
Thanks to a Amex card bill and increased Standard of living I am going over to go over my overdraft. I am trying to repair this thanks to ebay. How are you peeps coping, any tips?
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PCP Loans - Termination
I have recently placed an order for a new car, due to the current financial crisis I may lose my job. Can I pull out of the PCP deal? I have placed a £500.00 deposit, I do not take ownership of the car or pay the first payment until Jan 09. Can you please advise?
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Yes Loans – Observations and translation for the uninitiated
To call Yes Loans as a new customer – 0845 – low cost number Trying to talk to Yes Loans once you are in their clutches – 0871 – Premium Rate number They say: Yes Loans agent, “Congratulations!! You’ve been accepted for a loan” They will then give you figures on the “repayments” etc – all sounding reasonable Translation:…
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Credit from Sony (black horse (lloyds))
Hi all i hope im posting in the correct section. I recently inquired about buying a Sony Bravia TV the deal was as follows: No deposit and Interest Free which sounds good to me, the TV costs £999 spread over 12 or 24 months I opted for 24 months for the hell of it. Black Horse in their infinite wisdom have refused me the…
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Unscrupulous Credit 'broker'
Hi folks, I have a major concern about a certain car dealership who I have recently had dealings with. I saw an advert in AutoTrader for a very nice car at a very reasonable price (we're not talking to-good-to-be-true territory, just a couple of hundred under the average sticker price). I realised I might need HP to buy…
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Lloyds TSB loan query
This is my first post so i hope it is in the right place. My husband took out a loan in August 2003 from Lloyds TSB for £7,838.81 with PPI of £2,076.82 to be paid over 60 months at £254.05 per month. The loan also included £4,327 interest. In November 2004 we found ourselves in financial difficulties so we went to CCCS who…
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Apply after default removal
HI all. I will have the bane of my credit report removed in the next few wekks due to the 6 years being up and was wondering if there is any timescale for me applying for a loan? If I checked my report, and the default account was indeed removed, would I be able to succesfully apply for a loan? MAny thanks, Stephen
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considering a new loan
Hi all i like many have been a lurker for some time and this is my first post. im considering applying for a personal loan for consolidation of my existing debts and would be grateful for any help/advice you (much more clued up than me!) people may have to offer. my current debts are as follows; £2.5k overdraft £400 on…
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Loan Interest: Can Anyone Work It Out For Me?
Hi, In the summer we took out an RBS personal loan of £22,000 over 7 years at 8.58% APR The redemption penalty is stated in the T&C as 58 days interest calculated on a daily basis on the outstanding balance however, at the time we managed to get that down to 28 days because we knew we would shortly be paying it off in…
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Car Finance - HP Agreement
Hi All Trying to sell my car and it is in negative equity. After speaking to the finance company it turns out I can do a 'voluntary termination' which means that if I have paid half of the debt off - I can just hand the keys back. Now, what concerns me is the fact that the guy on the phone said that if I was to do this…
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Help please
Hi, i'm in a state of panic at the moment. I had a boyfriend over 8 years ago who i lived with and we had quite a lot of debt between us. One day he cleared our joint bank account out and moved his things out of our flat and i didn't hear from him after that. About a month before he left i took a loan out to pay our debts…
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Managed Loan??......
Hey, I have a loan with a bank which is classed as a'managed loan'. i need to know whether this is actually detrimental to my credit rating or whether i can in fact just change provider if i find a better deal etc. Not sure how a managed loan is different to a normal one!!??!??! any ideas guys...... Thanks .......xx:o
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Secured Loan and negative equity
Hi. Im currently in a situation where Im struggling to meet secured loan re-payments. My house is now in negative equity. Would the loan company be able to make the mortgage company sell my house? Or any suggestions on what the situation would be? Thanks
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Loans and paying the interest first
Hey all. I am not sure I have the right term, but I thought interest front loading was no longer aloud? I say this because I took out a £5000 loan about 6 months ago. I call up to enquire how much my loan is currently, and they say it is £5000, but they will refund me x amount in interest. So, basically I am paying them…
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Letter from 4 years ago.
Hi, completely new to this site. I have today received a message form an old friend of mine stating that he has had a letter delivered to his house in my name (I lived there 4 years ago, almost to the date). The letter is from a company called Merit Force, the reference is for Tessera Portfolio Management and the basis of…
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Deposit
Hi All, I have between 500 and 1000 for a deposit on a car. My credit is fair on equifax but poor on experian. Would giving a deposit benefit me in terms of getting the credit for the car if I am also part-ex my current car? Thanks.
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Car Finance Advice Required
Hi All, I currently have a balance on my car of 8358, and with the settlement it comes down to 4596. I have seem a car for 8000 which I would like to purchase on finance, however I have a question. Will the settlement of 4596 be added onto the 8000 for the new car, meaning the finance is for 12596? Please help. thanks.
