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Gym Membership Cancellation! or not!
Hi All, Can anyone point me in the right direction please :p I joined a gym 5 months ago, thinking i would take out membership. After several signitures and formalities, i became, what i thought was a member of said gym! Now i wish to cancel the membership, and looking at the paperwork closer, it seems i took out an…
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Personal Loans
Hi All.Can anybody answer my question, well here goes:- Is it possible to reclaim charges that have been put on my stepsons Personal Loan? He has been charged for amongst other things, telephone calls, letters, letters and more letters!!!!! It just seems that these organisations just like sending out automated letters and…
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Can you get a loan you can overpay on??
My Alliance and Leiceter loan doesn't accept overpayments and i was wondering if it was worth getting one i could overpay on? Thanks
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Regulated or Non Regulated Lease Purchase
Hi all I have what is reffered to on the document as a "Non Regulated Lease Purchase Agreement". I am confused as to the limits set out for this. I have read that over £25k would make it non regulated but have read on some sites that its if you borrow more than £25k and on others that if the total payable after interest is…
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MIS-SOLD loan please HELP
Hey Guys I need help so please read this and if you can offer me any help hints or advice please please reply to this thread no matter how small the help is... i am aware of the insurance template on here but im after getting the loan back through mis-selling please read my story! In 2001 i took a loan out with lloyds TSB…
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Hire Purchase - Early Termination
Heyas everyone, First of all i hope i have the right forum for this, if not im sorry :( Anyway, i am currently looking to get rid of my car to trade it in for something a little more economical and easier on the petrol. I contacted my finance company who i have the car with and asked them for details on terminating the…
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Changing dates of direct debits! Why so awkward?
My partner and I have both started new jobs within the same month, and therefore have a very difficult month without wages coming in. So, we are in the process of rearranging all of our direct debits and standing orders so that instead of coming out on the 22nd, they will now be coming out on the 1st. However, we have a…
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Hope someone can help
Hi, My friends boyfriend just took a loan of £19,000 with Barclays, my friend told him not to get the PPI but when he went on his own he got talked into it, so today they called in to cancel this, they said they could cancel but they would have to take a new loan out and the rate for the new loan would be 14% and not 8%…
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Distance Learning CDL
Hey, Does anyone have any experiance of having a career development loan for a distance learning course not finishing the course for whatever reason and then not paying the loand due to a dispute with the distance learning providor? My friend has done this succesfully, just wondering if anyone else has?
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can anyone help with a loan ppi question please.
Hi I hope someone can help answer my question. I have recently tryed to reclaim the ppi on my loan from lloyds under mis selling - my request was rejected. Do I have a case???? When i took out loan i worked 16 hrs a week for an employer, had a self employed job and received working tax credit due to being a single parent.…
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Got my career development Loan - Now What??
I've just bagged my CDL with Barclays for £7840. What's next? Just whack it in my Kaupthing/ING account? Any other suggestions? Would it be wise to use £5000 as a deposit for a house then I have £9k in savings and roughly £3k of the above loan to pay for rent and improvements on the house? I have a job lined up next July…
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Loan Cancellation Service..???
I have recently been informed by a 'money solicitior' that my Personal Loan Agreement with a well known High Street Bank is flawed and that for a fee they can challenge the loan. They are 100% sure that they can win the case & that in turn the loan will be cancelled & I will no longer have to pay a penny. Has anyone else…
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CCA request help, and a couple of other issues. Help please.
Ok, background; My partner (I wasnt with him at the time) has had three loans from RBS to clear his overdraft. These started in 2004. The first one was for £1800, and the repayments were £100 a month. This left him with £57 a week left over after mortgage, bills, food for him and his partner, and son. A few months later,…
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Advice on loan/PPI needed please
Hello everybody, I would appreciate any advice that you could give me about a loan, and PPI, taken out with LloydsTSB, in late 2001. It’s a long-winded one, really sorry, but I’ve split it in two to try and make sense of it. First the history, and then the points I’m hoping somebody might be able to help me with. Thank you…
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Pay loan with ISA?
Hi all I am hoping someone can give me advice. I know it is supposed to be a no-brainer to pay off debt with savings. I am not sure how much I would save and I am scared I would not build up my savings again. I have a cash ISA with about £11k in it (Interest rate about 0.5 above BOE rate). I have an outstanding loan for…
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Personal Loan - When is a good time to apply? What are my chances?
I have been looking at getting a loan for £18,000 for a little while now but with everything that is happening with the banks and current financial climate is now a good time to apply for a loan or shall I give it a few weeks for everything to settle down? My current details are self employed earning 35k a year 2 credit…
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Miss sold PPI because of Pre med Condition
Hi Some advice needed please re PPI sold by Lloyds TSB. I refinanced a loan in October 07 having gone into my branch to pay some money off my Credit Card balance, I ended up walking out about 2 hours later having added 6K to my personal loan that totalled 25K. Figure excluding PPI. I had informed the person selling the…
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Good Ole Welcome Finance, Help re interest
Took out a 2k loan with 60somethinginterest. Now, I've made two payments of £136.09 back so far I'm actually going to be in a better financial state come february...so... So I make minimum payments on my credit card of 30.09% apr balance will be around £500 and minimum on Littlewoods catalogue, which is no interest but not…
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MIS - SOLD LOAN help please
Hey Guys I need help so please read this and if you can offer me any help hints or advice please please reply to this thread no matter how small the help is In 2001 i took a loan out with lloyds TSB as an 19 yr old i just took insurance cause it was my first loan. 2 years later i was in the RAF so decided to cancel this…
