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Trying to get a loan.
Im trying to get a £3000 loan to pay off my £2000 credit card to make it easier to pay off, i can pay it but the intrest is about £30 a month and i can only manage to pay the min payments which is £40 - £50 a month so really im only clearing £20 a month off the card, because im unemployed, but did work until 4 month ago.…
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Black Horse "Collection activity fees"
Hi Guys, I unfortunately have a secured loan with BH I have been one month behind with payments for 6 months and every month they send me a letter telling me they have charged me £30 for a "collection activity fee" Is this legal and can I reclaim these fees?
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Student needs bank loan/sponsorship
Hi, I have gotten a place on an exchange programme to America in August. It involves me moving to America for a year to study at Georgia State University. However, in applying for my J-1 visa I need to prove to the U.S Embassy that I have sufficient funds in my account to keep me going whilst I am there. This amount is…
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Loan application refused - appeal info wanted
Hiya, I applied for an unsecured loan with Lloyds last Thurday for £7500 over 60 months. I was told yesterday that it had been declined. The loan was primarily for consolidating high interest credit I have: £3800 Welcome Loan - £216 per month, paid since October 08 £200 Capital on Credit Card - Minimum payment £7 per…
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advice
My wife and myself fell behind on our loan payments so we applyed for a reduction for 6 months this went well, we then set up to continue the reduced repayments for 6 months now its all gone wrong.The bank takes out the reduce payments when ever thay please then go ahead and take anything from £30-£500 as thay fill fit…
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help!!!!!!!!! loan protection insurance
Can any one tell me if loan protection insurance is the same thing as ppi? Trying to sort out a loan my oh had of £12,500. The loan protection insurance has been charged at £3,195.46. He has recently been made redundant so any help on this would be much appreciated. Tia, Pat
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whats the difference?
Does anyone know the difference between clydesdale financial services and clydesdale bank?
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Loan application fees - beware!
I have recently applied for a loan and they charged me £49.99 admin fee, then 3 days later told me I was declined........I have unsuccessfully tried to reclaim this back! A few days later I tried another company, who after going through my application asked me for my bank details to debit £60.99 - I promtly said no. How…
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Welcome Finance Charges - Plz Read
To anyone with an account with welcome finance, please check your account for charges. It is stated within their own policy that they can NOT apply charges to a customers account for leaving messages. £10 for a phone call has to be if they have spoken to the customer £25 for a home visit if they have spoken to the customer…
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interest in loan
:confused: I took a 5k loan out in march 08 and it appears now i have the yearly statement that they have done the thing of adding all the interest on first and you pay that off first. was this not made illegal or did i just miss the date. it means that after a year i still owe what i borrowed maybe its just tufff titty…
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Should we pay off mortgage with windfall?
Hi, I would appreciate some advice on our situation. Basically we have just received £40,000 from a relative's house sale. We want to use this to improve our house, but we have an endowment mortage(for £37,500) with a £10,000 shortfall which ends in November 2015. Would it be better to pay off the mortgage with the money,…
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How much Credit damage will exceeding an O/D cause?
Hi - newbie here, apologies if this is in the wrong place. I have exceeded my HSBC overdraft by £640, and they are calling me 2/3 times a day. I have explained every time and been into the branch to advise, that I can't clear it until I get paid. They are charging me £175 in fees, and will not budge. My question is - how…
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Loan/Cred Card
hi, I am hopefully buying a car thats available in the next week or so to replace my current one which is on its last legs. I will be spending £6000 for it. The problem I have is whats the best way to finance it? Loans through my bank (Halifax) seem to be very expensive for what you get. I have a decent credit rating…
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3k loan for a year!
basically im 20, got a full time job, very little outgoings although my bank balance has been up and down since november when i got back from oz. im looking at getting a loan for a car. only need 3k ish but the bank wont give it to me because i havent been with them long enough or havent had a job long enough to get one…
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They want us to phone all the time
I lost a house because many years ago I was spiralling out of control and was offered 120 per cent mortgage. We couldn't pay this and before being repossessed - decided to sell the house. We didn't get all we wanted for the house and after much wrangling Northern Rock decided to turn the remaining debt into an unsecured…
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Student Loan Write-Off Under "Statute Barred"
Hi Guys :) I'm a long time reader, but first time poster, so firstly, thanks to everyone in advance the the views/replies! I took out a student loan during the 4 years I was at uni (sandwich course inc 1 year work placement). This loan now stands at around £15,000 Upon finishing uni in early Summer 2005, I recieved a…
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welcome finance (cattles)
hi im new to all this but thought best place to come for a little advice. I read in the sun newspaper today (11/3/09) the welcome finance are having some problems with a "bad-debt crisis. I currently have have HP through them for a car and im only half way through the 2 tear agreement, where would i stand and what could…
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Writing Off Hsbc Felxi Loans
I have someone with £4,800 on a fexi loan which they're struggling to repay - it was issued pre 2007 I know some loans can be written off if the agreement wasn't compiled correcty has anyone had experience of writing off a HSBC Flexi Loan with this? all advice greatly welcomed cheers :)
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New to forum, need help please
Hi guys/gals, I came across this forum today whilst doing a search on the internet regarding help with a debt collection company called Asset Link Capital. I'll try and keep it brief. Got a car loan from GE Capital 5 years ago, and paid it every month for almost 2 and a half years until my wife got made redundant,…
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To use loan or savings?
Hi I need to buy a new (used!) car. My current one is about to give up the ghost and I need it travel to work every day. I have savings in the bank intended to use for a deposit on a flat/house. Asside from my rent, I have no debts. Should I use some of my savings to buy a car or should I leave it in the bank and take out…
