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Hire Purchase Agreement - Cancellation
I have signed a HP agreement today for the purchase of a new (used) car. I didnt realise until now that the interest the salesman was quoting was a flat rate and not the APR. I have not collected the vehicle yet. Is there anything i can do now to cancel this agreement before taking delivery of the car as I can borrow the…
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HELP!!!!!!! Refused credit/loan
Hi there, I am in debt but earn a good wage so can pay the bills but recently looked into consolidating the debt and visted some bank sites to use the online calculators to my suprise I could save £450 a month so I applied but got declined. I have got declined for credit cards in the past also I guess down to a poor credit…
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Taking money from your account
Hi guys If a company takes your bank details (payday company specifically) if the account does not have a debit card connectd to it, is there any way other than a direct debit that money could be taken from your account and if it is can you recover that money from the bank? Is there any way of stopping companies taking…
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How can I stop this Default.
Hi there, I am an new member. My question is does any know know how I can stop a Cahoot loan defualt.? Outstanding amount is £4200 and I am on a cahoot arrangement plan. I am not able to afford the regular amount required. They wrote to me last year to inform me of there intention is to register a default on my account.…
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Update On Ppi And I Need Help Please!!!
I wrote in last time about a part offer of 25% on a ppi that had been paid over 5 years. We wrote asking for ppi back, phoned them frid to see if had letter, was told they have cheque ready ring monday different department. Dont know if thats gonna be for 25% or all yet. Anyone out there to look at these figures as im a…
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Welcolme have my card details, what am i to do?
Right here it goes, I got a loan for £2000 with Welcome finance back in March. For a couple of months I missed payments, I had cancelled my direct debit as I was struggling to afford the £170 they wanted off me every month. Not wanting to miss a third payment I rang my local Welcome branch to come to an arrangement, the…
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loans
Hello, could any one please help? Is it possible to reclaim charges on finance/loan for late/missed payments?:confused:
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Welcome Finance Again!! (Sorry!!)
Hi good people, A few years back I took out a £500 loan with welcome. This has since escalated to a debt of £3800. I have renewed the loan a few times to get my payments down as I couldnt afford them. Recently I have been paying via a recurring card payment. Everything seemed ok till I got a phone call from my local…
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Haven't been paying student loan repayments....what will happen?
My husband graduated in 2004 with a student loan debt. For the last 3 years he has been earning 22k but no student loan payments have been taken. We realise we could call the SLC and inform them. But the honest truth is we're struggling with credit card debt (which we are no longer adding to and are working extremely hard…
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Car Finance complications
Hi, don't know if anyone can help but I have a friend who has recently split up with her boyfriend. They got a car to support his job as a taxi driver which was registered in his name. My friend is paying for the finance which is all in her name,so basically she is wondering where she stands? He is saying that she should…
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likelyhood of getting a 2K loan in current economic climate?
HI, does anyone know whether the current credit crunch/ 'recession' here in the Uk will affect my chances of getting a 2k loan from my bank. i have a good credit rating and never defaulted on payments- i previously had a £1,000 loan which i paid off completely 6months ago with no late payments. I am currently emplyed but…
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PPI from HFC (help/advice please)
Hi all, my first post I think. In 2003 I took out a loan with HFC in order to pay-off another debt, this has turned out to be the worst mistake of my life. The loan was for £5,800, repaying £9,052. However they also sold me PPI costing me another £2,000 over the period of the loan. In 2005 I wanted to loan another £1,000.…
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Is there any chance?
Im not working at the moment, but are looking for a full time job. I also have a CCJ, is there any chance that i could get a loan for £10,000? Or is there really no chance? Thanks
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Help with Car Finance Question
Hi there First time post so please bear with me. Buying a car at the moment and have got one for £6750 put £1000 deposit down and getting finance for £5750. The company where I'm getting the car from has a partner which does a 8% finance deal. I'm asked them about getting £5750 and they have come back with £158 per month…
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summary of hbos problems
Ok here goes I have made about 6 late payments to my loan but as far as I am aware I have caught up with them this is over a two year period. I have had previous calls telling me I am late and have made the payments. On one occasion the money was sitting in the account for 3 months and for whatever reason they hadnt taken…
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more calls from hbos
I have just replied to Andy on page 5. I should have started a new thread. If anyone can help me with any ideas of what else to do please let me know it would be greatly appreciated.
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Natwest Help
I have a Solo account with Natwest. I have had it for about 8 years and have never gone overdrawn or missed a direct debit etc... A year ago they contacted me and asked if I would like a current account. Which was great I duly recieved my cheque book etc... and another Solo card. So I rang them up to be told I cant have a…
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PPI Mis-selling Natwest - What next?
I submitted a calim for re-payment of PPI taken out with a Feb 2003 Natwest loan last March. I was told I couldn't have the loan without it and was self-employed at the time and the person selling it knew this. After 7 month I received a letter saying claim rejected as PPI was not taken out. Why would I try to re-claim PPI…
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Loan Insurance Help Required
In February 2007, I claimed on loan insurance with LLOYDS TSB as I was off work ill. They duly paid out. However, in September 2008, 18 months later, they contacted me and said they had overpaid by one month and demanded I repay 387.00. Where do I stand on this, e.g. length of time it took them to inform me, do I have to…
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Reclaiming loan charges????
Hi All. Can anybody help and advise if it is possible to reclaim charges that have been put on my stepsons personal loan? I would love to be told it is and are there are templates for the letters I would need to send off.
