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Natwest Bank
I have a loan and an overdraft with Natwest Bank. As I am currently out of work I cannot meet the full repayments each month. Therefore the bank have agreed to set up a hardship agreement for me. This means I only pay £30 per month at the moment whilst out of work. The problem I have is that the bank keep charging me.…
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Secured Loan Credit Agreement Mistake
I have a secured loan with Welcome Finance, when I was looking at the credit agreement last night it appears they have made a mistake with it and it shows that there is no interest payable, this is on the signed credit agreement. On the prior credit agreement and the proposed credit agreement it shows the actual interest…
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Nat West Loan- Please calculate my early payment fee...
Hi, Six month ago, we got a loan from Nat West, it's terms were as follows (near enough):- Amount: £17,000.00 Period: 7 Years APR: 11.4% Month Repayments: £289.47 We have currently paid six installments or £1,736.82, but we have realised we could do with paying this loan off and borrowing more at the following rate:-…
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Certificate of satisfaction?
Hi all, I have recently paid off a CCJ for £200. The judgement date was 24th July 09, and I paid on the 6th August 09. I have a letter that says I should write to the court, enclosing cheque for £15 to HMCS in order to obtain a certificate of satisfaction. My question is, if I obtain this certificate will my credit file be…
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Debt Consolidation
I currently have a barclays loan £9000 at 9.9% for 3 years which I started 6 months ago and a separate barclaycard with £2000 which in 0% until feb 2010 realistically I will not pay this all off by then. Today I recieved a call from Barclays offering me another loan to pay off the original loan and the credit card for…
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PPI Signature Forged.Is the loan enforceable???
Hi All Can someone please give me some advice??? Is the loan still enforceable, if the PPI signature has been forged by the company?? Thanks in advance.
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Central Trust Secured Loan - asking us to move the loan to another provider!
We have a £10k loan with Central Trust which we have been paying for a couple of years, never missed a payment. They have recently written to us 'suggesting' we move the loan to another provider because they 'may have to increase our rate to reflect their increased cost of borrowing'. Are they just trying to scare us, or…
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Lloyds TSB - Payment Protection Insurance
All I took out a graduate loan with Lloyds (with PPI cover) around a year ago and i have read comments regarding PPI generally, comments which allude to the fact that many have been mis sold. Obviously, this got me thinking! Does anyone know if Lloyds have been included in those alledgedly mis selling or have any direct…
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Friends Bad Debts Wont Evict Free Loading Friends How Can I Make Him See Sense?
Hi My friend is in serious debt, almost ready to lose his home, He has a mate who practically lives off him and will not contribute to any household expenses etc.. Whenever I raise the subject of asking for something from his mate I am in the dog house. If I ask about my friends budget to look at ways of minimizing etc…
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HP - not yet taken ownership of car - can I pull out
Hi there everyone, had a quick glance but cant see a similar thread. I am due to pick up a new Toyota on 26th September. I signed an agreement and put down £100.00 deposit commitment to purchase. I am due to hand in my current car as part of the deposit. This is currently on PCP finance with Citroen. It looks like I may…
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Questions about credit report
First off, I'm sorry if this is in the wrong place, but I wasn't sure where to put it! Feel free to move wherever. I got my credit report on Saturday from Equifax and there are a few things on there that I'm not sure about. Firstly I have a car loan from Toyota that I took out in May with the scrappage scheme. On my credit…
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Welcome Finance - Secured Loan
Hi I'm not sure if I am posting in the correct place but can anyone give me some advice? I have a secured loan with Welcome approx £17000 still owed. Tey have been a nightmare from start to finish (long story that I wont go into at this time!!) But they have never given me any copies of the original, agreement that I…
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Relatively Bad Credit - Where to go?
I have a poorish credit history. Not long ago I did a check on credit expert and they gave me a score of 771 out of 900 (Fair). But have received a couple of charges in the few months since then. I'm having a real nightmare finding a loan. All I need is a loan to pay my outstanding debt which is a measely £3000 ish! I need…
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Career Development Loans - problems!!
Is anybody else having problems with application for a CDL with Barclays? Having applied in June to give me plenty of time I'm now stressing out. They offered me funding and sent me forms to be signed by me, and one to be filled in by my college. I made a special 40 mile trip to the college to have it filled in by hand,…
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Poor Credit - Loans - Is this a joke!?
Hi All, I recently tried to apply for a loan, to reduce my monthly outgoings. I was rejected. I applied for another. I was rejected. I applied for another. I was rejected...... this probably sounds very farmiliar. After further investigation via experian and credit expert, it became apparent that the reason I might have…
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Personal Loan Application
Hi All, I was wondering if anyone would be able to give me some advice. Yesterday I applied for a loan with Sainsbury's Bank for £7000 of 2 years for a car. There was an option to consolidate a debt so I thought I would include my one and only credit card in there £1000 and I am now waiting for them to come back to me with…
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Quick Question regarding loan early settlement
Would be reallly grateful if anyone could calculate the settlement figure on the following: Loan for £5995 over 60 months at 5.9%APR. What would the settlement figure be at 36 months and how much interest would have been paid? Many thanks!:beer:
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Have a new car on car finance ,however I can't afford the repayments.
Please help? Any advice greatly appreciated:j! I've just "bought" a new car with car finance about 2 and a half weeks ago. Travelled with it to Holland and back. What are my options of returning the vehicle without being stuck to have to pay monthly £450,00 which I really can't afford. I know it's a stupid mistake! _pale_…
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pay day loans
hi i have been really stupid and i took out 4 pay day loans from wagedayadvance, quickquid, payday uk and poundstill payday and now i cant pay them back i have been letting them take their money every month then just doing new loans every time and basically now i have come into a situation where this month i cant even…
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Car Finance with a guarantor
Hi all I trashed my credit rating last year but now am gainfully employed again with a pretty good salary. I want to get some car finance and it looks like the best way for me to go it to get finance using a guarantor. However most companies I see that offer this are used to dealing with people with poor credit ratings…
