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car finance & mechanical faults !
Id taken out finance to buy a 06 plate fiat for the fiat dealer £4950 I am managing to make the monthly repayments but i have had no end of trouble with the car from december ive had new supension linkages new anti roll bar new starter motor complete new braking system ( Front & Back ) and problems with exaused…
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Loan Arrears Help
Hi there Can anybody give me some advice regarding loan arrears please? I found myself unemployed in January of this year and contacted my bank who agreed to 'park' my loan for a period of 3 months during which no payments would be taken. The advisor stated that once the 3 month period was up my loan would be restructured…
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www.loan-free.co.uk
Has anyone heard or even visited this website I saw an ad for them in the paper last week. They claim to get rid of your loan and get you compensation if your lender didn't comply with the Consumer Credit Act 1974. Here's a quote from the site: If the content of the Credit Card Agreement or Loan Agreement that you signed,…
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why has my bank refused me?
hi guys quick question,i have a loan already with natwest and its only got a yr left to run,so i thought with the credit card debts i have id put them all together with my existing yrs worth of loan into a new loan which the payments work out something £15-£20 a month cheaper and i dont have credit cards on top with…
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Overdrafts
Hi Quick question - my overdraft does not appear on either my Equifax and Experian reports, and is currently £1250, left over from when I was a student nurse. I pay a tiny amount of interest on it, but have virtually lived in my overdraft since 1997 when I was a student before. Is there another way lendors can find out my…
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Number of credit cards affect loan lending?
Hi there I am in the midst of buying a new car (very within my affordability) but for which I would like to get a car loan (c. £5000 over two years). My credit score, according to Credit Expert, is 999 (excellent). I have had a car loan previously, I currently have a joint mortgage (for which my partner is the main payer)…
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Got a Loan now need advice
Hi, I took a load with Moneybackbank in November 08 and need advice, I was under a lot of pressure at the time and even thought about suicide because of the debts i had. I got turned down from the RBS that had given me a loan before (paid all off) they said there were not lending. So i shopped around and all the rest were…
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Undiscolsed Broker Fees
Afternoon all. I need some help if possible. I took out a £35k secured loan with FirstPlus in Sept 2006. My payemnts are all up to date, the account is fine. I am reliably informed that due to a recent court case (Hurstanger versus...) that undisclosed broker fees are reclaimable. By undisclosed, I mena, they were never on…
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Car finance credit check process ...
Hi guys, I'm looking to finance a car through a PCP finance loan. I was just wondering what they check? I know they search my credit file which includes Equifax/ Experian or Call Credit files and I have access to these but do they also search you bank account and employment history?. Equifax, Experian etc don't seem to…
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help i need a loan!
Thanks for looking and would appreciate any comments. I am looking to take out a loan of about 8-9k, the main reason for the loan is to consolidate some existing debt, i have a personal loan of 6k with my bank RBS,4 catalogs in total owe 1k and one credit card with £250 on it. The money left i will be using to place a…
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Sourcing funds for a car from a sub prime lender
Hi, I'm a discharged bankrupt, discharged in July 2005, 26 months after I went bankrupt in may 2003. The 6 years on my credit file is due to end soon, in May 2009. I have been refused prime lender loans, Ive applied to two lenders over 4 months. But Ive also been refused from creditplus.co.uk for car finance. As you can…
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Overdraft Loan
I am needing some money temporarily and am going to borrow it from my overdraft. I'm trying to work out what the interest would be on a monthly basis and want to know if I have calculated it correctly. I'm looking to borrow £1,200.00 and the interest rate is 19.9%. I make the interest to be £19.90. Obviously the more I pay…
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Need to borrow £13,500, do I get a loan or add to mortgage?
Hi, My wife and I are looking to pay off our debts of around £13,500 and were wondering if it would be cheaper to add this amount to our mortgage or if it would be better to get a loan? Our mortgage is up for renewal in August, but the problem is we have a 100% mortgage and I am fairly sure that the value of the house has…
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Another Welcome Finance Question.
Does anyone know what's going on with WF? I've just looked on my credit expert account and there was an alert saying that WF had significantly reduced the outstanding balance on my account, by about £2000 I suppose. Has anyone else had this as well and if so why is this happening, did they get the sums wrong in the first…
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Loan repayment madness
I just wanted to let you know what happened to me yesterday in alliance and leicester. I have had a 5 year loan which had been hanging around my neck like a lead weight for a long time:mad: In any case went into the bank yesterday to find out how much was remaining and how long was left - I knew it was about 3 payments…
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Interest
I am due to have a meeting with a debt advisor on Monday but I thought I would ask for opinions on here too. I took out a loan with Lloyds in 2004. I did get into financial trouble and avoided these problems which ended up with me having arrears on my account. However, near the end of 2005, I began to make small regular…
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RBS personal Loan
Sorry if this has been asked before if the answer is obvious but back in October, I took out a loan with RBS. It was £3000 over 3 years. I did have a provident loan and was able to refinance this to obtain another and I am just wondering if I can do this with RBS or even add an extra amount onto existing loan? My credit…
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loans with natwest
hi all, over the years i have had a few loans with natwest,each time i have paid off the old loan and taken a bit extra to clear overdraft.They all had ppi on them,I noticed i have only had one ppi refund though. I also cant remember what and who was covered on the old ones. How do i go about asking for details of both the…
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Loan disappeared from my Credit file!!!
Hi guys, I have a loan of £2000 from the internet company Cahoot which has been in arrears now for many, many months - in fact they've defaulted me & used to send me regular letters & call all the time! However, lately all this has stopped, I havent heard from them at all & when I checked my Experian credit file recently,…
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What's the best solution?
I need some advice! I currently have an unsecured loan on top of my mortage for £15,000. I am looking to sell my house, but in the current climate, it looks like I will receive less than I need to pay off the mortgage and unsecured loan. Should I get a cheaper loan to pay off the current loan over 5 years at a low apr? Or…
