-
Agreement lost
Hello , i have an interesting problem , was not sure how long was left on my bank loan so i asked the bank for my agreement , they have lost it and tell me i owe £13000 over the next 3 years , after searching the forum i find that if they cannot provide the agreement then the loan is unenforcable is this right and what…
-
Car Loan Help
Hello, Im new here and was wondering if anyone could give me help or advice regarding a loan for a car. I want to borrow about 3 grand. I have no credit history really apart from having a mobile for about a year keeping up payments. I have used the smart search facility on moneysupermarket.com which was suggested on here…
-
Egg loan with 1 year left
Emailed them asking for a redemption figure on 18th march. Got this reply on 20th march The settlement figure on your Egg Loan is £2048.23 Strange i thought as according to their website i owed £2037.39. So if i pay it off early i have to pay more, so i asked them . They replied: You'll be pleased to know that the interest…
-
need quick loan for car
hi, Im hoping to purchase a car i have a deposit on next weekend so need to sort out finance for it now, i have applied and been accepted for the alliance and Leicester loan but i dont know at what rate until the paperwork arrives, if its a lot higher than the quoted 8% then i dont want a loan from them and would have to…
-
rbs bank loan
Hi me again! Asked yesterday about reducing the apr on my rbs bank loan-thanks to all who gave me advice.Just an update on it- Looked at our loan agreement last night we had taken out the ppi on it at £60 odd pounds extra a month it was a joint loan application only we found out last night hubby is the first named so its…
-
rbs bank loan
Hi me again! I asked any advice yesterday about the apr on my existing rbs bank loans-thanks for the replies. Juat an update- Looked at our loan agreement last night we had taken out the ppi on it at £60 odd pounds extra a month it was a joint loan application only we found out last night hubby is the first named so its…
-
Loan rate of 19.9% - too high?
I just applied for my fourth loan with the Clydesdale - I took the first one out in 2001 and have taken out subsequent ones, increasing my monthly repayments and extending the repayment period to free up funds. I have had an account with them for about 13 years, haven't had any missed loan repayments and my credit rating…
-
Unfair charge for Loan that has been paid off
Hi I had a loan with the Abbey and in August 2008, i requested the final amount payable as i wanted to pay the loan off. I received the total and duley paid the total stipulated to close the account. I have suddenly received a letter from them, which is totally out of the blue, asking for an unpaid amount of £90 from…
-
Cant seem to get a loan?
i'm after 5k for a used car. i'm 25 home owner (with mortgage) single earn over 25k i have 1 credit card with the halfax its cashback with no outstanding balance its paid off each month fully. I have no debts and cant think of any reason why i wouldn't be accepted... However i keep getting declined? Any ideas? I obtained a…
-
please please need help with welcome
i have asked for welcome to take my car away since feb and now they are saying that i'm in arrears which i'm not. We have just been on the phone to them and they we aked for them to send us a statement of how much we have paid them and when. the lady said we will send them but just to let u know if we don't come to an…
-
HBOS and 1st Credit
Hi, I'm a new poster here and I have tried to search for a thread to join with regard to my problem but I can't find one that closely matches it or answers my question. If there is a problem, I have no issue with this thread being merged into another. My issue is this: I had an unsecured loan with Halifax where, because of…
-
Student loan interest rate
Just read on Sky News that the RPI has gone negative. As this is the rate that the student loan interest rate is based on, does this mean that student loans will be interest free this year?
-
Bank Loan Repayment Error In My Favour Where Do I Stand
hiya, i took out a bank loan and started the repayments,whilst looking at my online banking noticed they havent added the interest to the loan.where do i stand on this,is there a time limit on banks mistakes even thought an agreement has been signed.please give me some advice on this. xwisteriax
-
Need Help with Welcome Finance!
i took out a loan about 2/3 year ago for about £2000. THey sold me ppi without me realising and as i was only 19 at the time adn desperate for my new car, i just signed the agreement without looking. Last May 2008 I wrote a letter requesting a settlemetn figure, sent recorded of course! they sent one back, a few weeks…
-
Alliance and Leicester Loan 8.0% or 8.9%?
Getting confused......loads of different websites are stating two different things?........want £10k
-
Black Horse problem,please advise...
Hi, I have two credit agrements with Black Horse taken out September and October 2008 on motorbikes.I lost my job in December and have defaulted on both,minimum payument offers of £1 have been refused and on one of the bikes Black Horse have started proceeings against me.I was advised by CCCS to sell one of them to pay of…
-
Good at working out Apr?
I promised to work out a friend's finances - a homeowner loan. Turns out I am just as rubbish at maths. My friend's Homeowner loan (£14k over 10 years) started May 2003 to run until April 2013. Remaining balance stands at £7,063 as at March 2009. The loan is on a tracker so each time the BOE IR drops the loan Apr drops as…
-
To lower my lmit, or not to lower my limit?
Hi There, This is my first post so hello! Neway so bit of an update just paid of a Natwest loan of £2000ish over last two years, applied for a new loan of £6000 to pay off car hire purchase and a few other debts (ie: consolidation but main reason put was used car) over 2 years Rejected.... ouch! Anyway this is my own bank…
-
reducing apr on bank loan
Just wanted to ask if anyone knew about reducing the apr on an existing bank loan? We took out a loan with RBS last march still have 4 years to go the interest rate on it was 10% have heard banks can review loans and reduce the interest rate wondered if this was true and worth going into bank to ask? Any help appreciated…
-
Loan/finance problem
Hiya people I'm new to this board so please excuse me if I am posting in the wrong place. Basically I was looking for some advice on the following.. I am looking to get a loan or finance so I can buy a new bike for the summer but after a few loan rejections, I decided to go to experian and do a credit check. It turns out I…
