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Close card accounts when paid off?
Hi guys, Sorry if this is the wrong place for this thread but I have a question and I'd like some advice. About 8 years ago I had a really bad time and ended up with a terrible credit rating. Anyway, I've since managed to pull myself out of all the trouble and am in a position to pay off completely the 2 loans and 2 credit…
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Moving Abroad - secured loan help???
Hello All, I wondered if anyone could point me in the right direction? We are moving to Canada in Jan/Feb time and had originally planned to sell up and go, but with the market the way it is we thought might as well rent it out, take some equity out and sell it in a few years when the market picks up. We have a mortgage of…
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Home Improvement Loans via the Council - Your experiences?
I am a private (sole) homeowner with a small mortgage. My financial situation is pretty poor, as I've very little savings and a very poorly paid job. I've been living in my home now for approx. 11 years. It needs major building work doing. The Council are offering me a 'home improvement loan', where they get their builders…
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Opinions/Advice on Secured loan
My GF and I are on the verge of getting a secured loan, we're not overly happy about it but think it makes the most sense. If anyone has any advice it would be massively appreciated. A little about why we're looking into it. We have an unsecured loan with NW of £25000 settlement figure around £22000, we pay £379 pm over 7…
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can any one help
i am a house wife and i owe 3000 but i am stuck for i am paying 3 lots of interest to 3 different cards i have tried to get a lone but i keep getting turned down for i am not working and i am not a homeowner i live with my partner and our kids but i have to get it in my name so can any one sugest something or a lone company
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help a newbie!
hi i have a small amount of unsecure debt, about £8000. i have a child who is seriously ill and three other healthy children. when our little one is ill my hubby doesnt get any wages as he cannot work as the care she needs is 70 miles away and the other kids need looking after. we are then left to live on child tax credits…
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M and S Loan error
We have just taken a loan with M and S. I recieved the contract stating how much they would take each month , total amount repayable and the Apr. The first payment they took was £50 more than the contract said. I spoke to MS about this and they said it was the cost of the courier to deliver the cheque to our home address.…
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Loan and no agreement
Hello all, I took out a Secured loan approximately 6 months ago with a company but when it all went through, the sum I received was about £2.5k less than I was expecting. Several calls later, I discovered the PPI had come out in a lump sum, so I cancelled (the PPI) they tried to put this back onto my account and reduce the…
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Any ideas for Career Development Loan Repayment?
Hello everyone, I've just finished a masters at university which I paid for with a career development loan from the Co-Op bank. I'm due to start the repayments on the 26th November but have been told that I can save money by changing the loan to a different company with a better rate of interest. As it stands I'll be…
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Any Advice Please
We got a dreaded secured loan with Paragon Personal Finance before we had our eyes opened by Mr Lewis. We borowed £30k and agreed to the Gold level of PPI which of course was recommended. We took it out in 2005 and have never missed a payment of almost £500 pm. I recently requested a settlement figure and was shocked to…
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claiming back all your credit agreements
hi all, just heard of a company called OURLIBERTYCCS who claim they have a 90odd% success rate at claiming back unenforcable credit agreements. seems a bit too good to be true anybody have any info on this company and if they are kosha?
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Welcome VT of Hire Purchase - Default??
Hi i took out a Hire Purchase agreement with Welcome last Feb.the payments were far too high so i went for Voluntary Terminiation in november/december. it was agreed and on the 10th december i gave my car back and paid the amount that they quoted. as it was not even a year of having the car i knew that i would have to make…
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Loan for 19 year old.
Hi, I live on my own and I'm 19 years old. I am a council tenant and have income support and work part time. I earn about £300 plus more if I do over time at work. I need a loan of around £3000 to clear of my credit cards and store cards plus for some home improvements. I've applyed to the following companys: Bank Of…
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Clydesdale Barclays Buy Now Pay Later Change of Terms
I’ve done a search and can’t find anything similar on this matter. My daughter bought some items from Jessops on a 12-month Buy Now Pay Later deal. The total purchase was £208.14. My other daughter (and my wife and I) have bought like this before, and had no problem as we have paid several weeks before the ‘end of credit…
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early repayment of unsecured loan
I took out a 25000 loan over 10yrs a couple of years back. (May 06) The APR was 5.8% and the total repayable over 10yrs wold be 32586. I was thinking of making overpayments to try and pay this down quicker, and called my lender to ask if there were any penalties (none as it happens). When I asked what the outstanding…
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Loan advice please!!
HI there, i am new to the site, Im Nicola... i owe about 6 grand on credit cards.... i have sucessfully obtained a loan to pay these off, one of the cards is a Vanquis card... say no more! will paying off the cards and not spending on them again help my credit history... should i cancel them all... is getting a loan the…
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how to get loan agreement numbers??
hi,i have checked my credit history online and have had a fair few loans over the last 8 years.i have had 1 with GE money,4 with lloyds tsb asset finance,4 with lloydstsb themselves and 1 with A+L,but i do not have any of the agreement numbers or any paperwork for them(missus launched it all when we moved house!). any…
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Lemon Loans? Are they real?
Hi all, I keep getting this email from Lemon loans (see below) and wondered if any of you knew if they are a genuine company? I'm guessing its just a scam to get my personal details! Thanks in advance Matt [FONT=Verdana, Arial, Helvetica, sans-serif]Your details have been passed to us, we have accepted your application and…
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Reclaiming bank loan protection
My wife (before I married her) had a loan with barclays with payment protection insurance, she asked for the insurance when she lost her job and they said your job was not covered. I believe she was mis sold this. This was all 10 years ago I just found the paperwork can we reclaim the payment protection insurance ?
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HSBC PPI Reclaim Help.
Hi Guys, I've been out of the loop for sometime now but managed to retrieve thousands of pounds worth of bank charges for myself, friends and family. I'm now back to have a go at PPI for my girlfriend as she was heavily mis-sold her cover. I have all the template letters and understand the process. Can someone help me out…
