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Car Loan
Hi im new here. I have a current HP loan on a car and am finding it very hard to meet the payments on it, its currently taking the mojority of my wages up, i want to get out of this deal, i have spoken to Alphera Finance and they seem the most unhelpful people in the world, i cant terminate it early as i havent paid of…
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New Loan To Pay Off Existing Loan???
I currently have a loan with HSBC wich is now at £2767.04 with repayments of £172.94 per month with 16 months left.. Moneyback bank are offering a £3000 loan with repayments of £140 per mont for two years. Is this worth applying for to pay off my existing loan as i am struggling with the repayments of £172.94. Any ideas...…
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Paying off a loan with a 0% credit card
I have an Egg Loan with around £1000 left to be paid (paying back at £75 a month @ 7.66%). I recently opened a 0% Virgin credit card for the next 16 months. Do you think it would be worth transferring the £1000 from Egg onto my Virgin card? I'm looking to reduce my outgoings over the next 12 months (but dont mind…
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help im so confused....
Hi im very confused right now about PPI and loan insurance and am not very good at explaining myself so ill try. Took out 2 loans one with Halifax Bank of Scotland online and the other with Halifax in store. When i took out these loans i assumed insurance was essential and was never asked about my medical history which is…
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help im so confused....
Hi im very confused right now about PPI and loan insurance and am not evry good at ecplaining myself so ill try. Took out 2 loans one with Halifax Bank of Scotland online and the other with Halifax in store. When i took out these loans i assumed insurance was essential and was never asked about my medical history which is…
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Help... I can't get my head around this!!
This has been at the back of my mind for a while but I had a baby in February which has distracted me until now! Anyadvice would be greatly appreciated. In 2006 I bought a new car fromThe Car People. The cost of the car was £7495 and I paid £2500 and took the rest on finance through Black Horse. 60mths at £146 and I made…
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Loan Charges
Hi everyone. I had a Cahoot loan, which was paid off about a year ago, during the term of the loan i was charged for late payments/arrears etc. Can these be refunded with a claim? (in the same way as the banking charges fiasco). I have had refunds from banks for unfair and unjust charges, If claims are possible, do you…
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Help with a Contract Purchase Agreement Please
Hi all, I have lurked for ages on here, and got some fabulous advice and hints and tips! I wonder if anybody could help me with this please? I have a 2005 Contract Purchase agreement (non regulated) with £36,000 worth of borrowing. Page 2 of the contract states, Terms and Conditions (For use when hirer is not a corporate…
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Debts in England/ Now living in Southern Ireland.
I was wondering if anyone here can help. My daughter is in difficulty with repayments for debts held in England but has now gone to live and work in S Ireland.I am helping her out and using templates from this site and also National Debtline info pack. The stage we are at is making offers to her creditors.To date had no…
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Hhheeeellllppp!
HI sory for dramatic title but really need some help. We are in the process of buying a house. in laws were helping us out with £2500 of our deposit however it's been caught up in the icelandic bank chaos. We need £4000, we can get our hands on £1700. So we need to find £1300 before friday (or cross everything that the…
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Welcome Finance Secured Loan please help!!
Hi Guys, first time on here....please be gentle :-) I currently have a secured loan with Welcome finance that I am struggling to make payments on (currently 190pm) Due to my sister being as great as she is and also helping me out for some favours in the past. She is willing to pay £6500 off my loan for me....the settlement…
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reclaiming PPI from Abbey/Co-op
Hi all I thought I should start a new thread for this as I attached my post to the end of an existing thread (had not found my way round the site) apologies to those who have already read my post I'm new to this site and really pleased to read all the success stories. I would really appreciate some advice on 2 loans I…
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Top up loans
Who offers them?
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yes loans asking for a set up fee
I'm trying to desperately consolidate a few debts and pay off some bills. Yes loans contacted me today, went through the motions with me and then told me I'd been accepted for a 5000 loan. Then the lady went on to say that I needed to pay 50 quid set up fee. I didnt think anything of it at the time, but couldnt put it…
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yes loans asking for a set up fee
I'm trying to desperately consolidate a few debts and pay off some bills. Yes loans contacted me today, went through the motions with me and then told me I'd been accepted for a 5000 loan. Then the lady went on to say that I needed to pay 50 quid set up fee. I didnt think anything of it at the time, but couldnt put it…
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Student Loans query
Is there any period after which a loan is written off? My o/h took a Student Loan out 11 years ago and they've just started taking about £150 a month out of her wage. She hasn't received as much as one statement or letter in this time and had forgotten all about it (likely story I know haha), although they claim they wrote…
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Help with loan
I am in a loan with cahoot, there rates are just going up and up, (more than a credit card) just wondered if its possible to 0 % balance of loan onto a credit card and pay it off before 0% finishes,i know alot have 3% fee, but can you transfer loans to cards? if so which one would you get i see virgin have a good 0%
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car repossesion
HI I am using my wifes log in on here because I dont have one of my own yet. I am just after a bit of advice if anyone can help. I know this should have been dealt with a long time ago but just kept burying my head in the sand hoping it would go away but here goes. In 2004 I bought a brand new car from a main dealer and…
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Student Loan - Deflation?
If there is deflation next year and the RPI show negative figures, what happens to my student loan interest rate?
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Loan Agreement Check
Can anyone shed any light on whether this is a genuine service or not? http://www.moneylawyer.co.uk/creditcruncher Thanks!
