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New gorvernment sposored car loans
Coming shortly ... after the budget ..... Late April. So do not take a loan until they come in to force.
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The Lending Group - anyone heard of them?
Has anyone heard of or had dealings with 'The Lending Group' (AKA Carter and Carter, or The Loan Supermarket')? Relative of mine found them on the net, applied for a loan, was asked for bank details, and they promptly took £100 from her account. Attracted by a very nice 10.6% APR, they did mention to her they would have to…
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FULL and finals......
Hi out there Has anyone had any luck with any full and final settlements recently? - maybe we could keep some kind of unofficial data base of what percentage certain banks ,credit card companys and finance companys are dealing at I tried Barclays last week with 35% of a 3700 debt and they have informed me today its to low…
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Loan advice
Hi, Before he met me my hubby took a loan out with Royal Bank of Scotland a few years ago (approx 2003/04) and was encouraged to lie about his income by the girl who sold him the loan, though obviously he's no proof of this. The loan was for £2.5k and he managed to make the payments to start with. However, due to the fact…
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Welcome Finance! advise please
Hi all, Im hoping for some advice, I have a loan with Welcome of £3000 which I have had no problems with, ive been paying it back with no problems. I applied for a top up loan of £1000 and have got a settlement figure of £3116. So they will effectively get set up a new loan for me. I filled in the paperwork and they…
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Car purchase - Should I get a loan, HP or pay outright?
Firstly, I'm quite new to the forum, so please let me apologise if I am posting in the wrong place! Please kindly redirect me if that is the case. Ok, here goes... I want to buy a car that's going to cost me approx £18K. Now I have that amount in my ING savings account so, in affect, I could buy it outright. Or…
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Loanfinder UK
MSE official insert: This thread has been closed. Complaints against Loanfinder UK Limited and their response included the following: 1) Complaint: Fees are taken out of customers' accounts without authorisation, using debit cards, the details of which are purportedly taken for identification or credit check purposes only.…
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pathway finance???
I applied for a loan with this lender and they asked for a processing fee of £47.50 which i paid because i was absolutely desperate for the loan and they said that the loan was guaranteed. Their website says that loans turnaround was 24-48hrs but i don't know i have a very horrible feeling. Every time i ring it seems to be…
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Paragon Personal Finance - cowboys
I took out a loan way back in the 80's with Universal Credit for £5k I paid this off in full with Universal and then took out a second loan for £7,500 with Universal. Not long after this Paragon took over their books and wrote to me out of the blue to say they now owe the debt. I thought nothing of this and carried on…
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Paragon Personal Finance - cowboys
I took out a loan way back in the 80's with Universal Credit for £5k I paid this off in full with Universal and then took out a second loan for £7,500 with Universal. Not long after this Paragon took over their books and wrote to me out of the blue to say they now owe the debt. I thought nothing of this and carried on…
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Laons "Charge on our propety"
Despite Repeatedly offerring lloyds TSB offers of Full Final Settlement of £9000 wich has been rejected. I have been informed that despite the loans being in my name and unsecured they will put a charge on our property to make it secured to ienforce payment? Is this correct and how long and what will it involve? I honestly…
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Car I bought was already on HP
Hi, Can someone advise me please? Yesterday I handed over £2250 for a car in a private sale. It now turns out that the car was subject to a HP agreement and, I believe, not therefore the property of the man who sold it to me. (I understand that in such a case it belongs to the finance company). I can't be sure whether the…
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irresponsible lending/mis sold loan?
Hello all I have been here before but a few years back,had to create a new login. After chatting about debt management with an advisor on National Debtline it was suggested we may have been mis sold our loan that it could be "irresponsible" lending and we should complain to our bank and if no joy go via the Financial…
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What to do? Bank of Scotland Loan Offer (Accepted)
Hi there all. I've been mulling this over now for about 24 hours but can't seem to make a decision on what to do. The scenario: I currently have £8.5K on 5 credit cards and am only making minimum payments on all 5 cards. Interest charges are all between 18.9%APR and as high as 22.9%APR. Total cost of all 5 payments each…
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Wrongly advised by Natwest?Loan was in my name!
In Feb last year myself and my wife took out a £5,000 loan with Natwest. With a £155 pm repayment.The thing is it was taken out in my name and wasnt a joint loan.The decision to accept us was based on both our incomes which was more than enough to cover the repayments. Since the loan was taken out we have since split up…
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My OH fell for a scam
unfortunately my girlfriend (whom I love with all my heart) fell for an online scam. she doesn't know much about computers/internet and how much scam there exists out there. Given the unfortunate credit that she has due to her messy divorce a few years ago (credit rating being bad from the ex which puts them both on a bad…
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Hspf
I took a loan out with HSPF in December, and I've since had a lbm and want to be debt free. I'm trying to pay it off as fast as I can, luckily it is one that allows early repayments. I wondered if anyone had any experience with the company? Just to know what they are like with early repayments etc. I'm also trying to…
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Credit searches
This doesn't sound right to me, does anyone know. My wife applied for a loan today with Abbey. She was granted one, at a ridiculous rate 15.9%:eek: and after refusing it, was offered one @ 9%:rolleyes:. She still wasn't happy and said she'd get back to them. However Abbey told her that if she didn't decide today, tomorrow…
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Social fund loan
I didn't know where to post this question, but as it's a loan I posted here. Please move it if it's in the wrong place. In November 2003 I received a social fund loan from the DWP for £80. I believed that it was to be deducted from my benifits while I was unemployed. Today (12/3/2009) I received a demand from them for…
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Good Credit Score, but declined twice. Help! What to do!
Hi All, I feel a bit lame, but I have checked my credit scoring on experien and creditexpert and both have scored me in the top 20%. I have three credit cards that I am paying high interest on ( total outstanding around £7k). I have been declined by 0% interest credit cards as they say my current credit limits are too…
