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Loans Written Off on Terms and Conditions
I've read up allot on the web about loans be written off if they were taken out before a certain date etc.. There seems to be alot of comapnies doing this and charging anywhere between 200-500 quid for doing so. Is there anything in this and if so is there not a diy way of doing it?
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Halifax Madness
Hi everybody wondered if anybody could advise on this or make any sense of why this has been done? Took out a loan with Halifax 62 month term paid about halve (no missed payments) then out of the blue had a letter off them saying basically they have looked at my account and decided I cant afford to live etc and have froze…
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recomendations to what i can do?
i am after a loan amount of around £1,000 for a 12 month period. i prob have a low "score" rating due to financial problems a few years back. im after a quick loan but so far i have only been given 090 numbers to call and "£55" setup fees to which i on both times declined there offers. is there anywhere i can go which…
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Loan Repayments
Apologies if I have put this in the wrong forum I am a newbie and not that hot on message boards. My partner and I have a hefty loan with Nat West , this included the PPI as standard. Last year he was made redundant and we needed to claim on the PPI which has been paid without any hassle, but we have just recieved a letter…
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HSBC and Payplan
Hi, I wonder if you guys can help. I'm currently unemployed and don't have sufficient money to make my monthly loan and credit card payment with HSBC. The amount that I owe is not huge, so I pay £80 per month on the loan and about £15 on the credit but being unemployed, that's stiill more than I can afford. HSBC have not…
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Lloyds TSB early settlement fee problems.
I took out a loan with Lloyd's about a year ago and didn't realise that they now charge an e.s.f of up to 58 days interest which I am not happy about but thats what you get for not reading the T's & C's. Anyway I did some browsing and came across the loophole of overpaying bar one months worth of direct debit. The…
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Misinformed When Loan Was Set Up
I have a dilemma!! When I found out that I had not been in my current job long enough to qualify for Maternity Pay through the company, I arranged a Loan at Abbey, which was to consolidate everything I owed across cards / overdraft etc. I needed the peace of mind of knowing that with the direct debit, everything would be…
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Tesco searched credit file but no application
As above my hubby applied for a tesco loan towards the end of last month before the end of the month he phoned tesco to state he didnt now want the loan they said fine the application would be removed today i checked my experian file and had an alert re Tesco finance checking my credit refrences today why are they doing…
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help my brothers car reposessed
My brother has just had a car reposessed. He bought the car from a dealers in Blackpool, It turns out the car had outstanding credit on it the previous owner had a log book loan. Does anybody know what action he can take and if the bailiffs had the legal right to reposess the car? Can he sue the garage or what action can…
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Payday loans - whos best of a bad bunch?
Hey all, I want to take out a payday loan, im skint this month but as I started a far better paying job this week this months pay will be mega and I will be able to pay it back, so thats no worries. My only question is whos the best to deal with ? (I know none of them are great) but i live with my parents and have done…
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should i pay to get a loan??
a company called maddison financal in east sussex has told me that my loan application has been guaranteed and to get the loan i have to pay a fee of 69 pounds they say that this will be refunded when i sign the agreement and post back to them. anybody heard of them and is this right?? help??
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Debt Recovery
Hi, im a relatively new poster here so bare with me :) My partner had a debt with HBOS, which he defaulted on and basically never paid (ive done all the ranting and raving I can about it!) They then (in May last year) sent him a letter offering to write off the loan of £4000 (approx) if he paid £1400 (approx) He did this…
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Owed money from a friend - Loan Advice???
To cut a long story short, I'm owed money by a friend who I helped out about 3 years back. I've not really needed the money until now so haven't really pushed for it until now.This year he's also been made redundant from his job but he's been offered a new teaching/mentoring job so he's waiting for everything to be…
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My loan... Help Please
Hi, I currently have a loan from Lloyds TSB where I am paying £113 per month and then another £24.42 for payment protection. However, I took the loan mainly to protect me if I was made redundant. Since taking the loan back in March I have decided to change my career and I am now due to start a course for 1 year to become…
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Unofficial loan?
I hope evryone doesnt think that i am stupid for asking this question but i am asking on behalf of my boyfriend and his band and we are all a little confused on this issue. Back in february they had a guy acting as manager for their band, booking gigs, organising stuff, etc etc. Anyway this guy borrowed £400 from his mum,…
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student loan deferment advice
Im coming up to that time of year. But I have a question regarding allowances and pay. The gross monthly income for student loan deferement is £2161.00 My salary is £1994 gross but on top of this I have essential milage allowance, for monthly milage expenses paid during the month out of own pocket. Sometimes If I have…
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madison finance?? has anyboby heard of this loan company ?? help
i got a phone call today from madison finance about a loan. i have got a bad credit rating with 2 defaults almost 6 years ago and was applying to get finance for a car loan. i was refused by several companies but now this company has said i have, after going through my details, that i have a guaranteed loan for 15k over 5…
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Bank of Scotland Personal Loan
Hi First time on here need some urgent advice please. I took out a personal loan with Bank of Scotland (who have merged with the Halifax) in April 2008. I have been asking them for weeks to forward me copies of the agreement and they say they have been sent. I wrote to them again today sent recorded delivery for copies of…
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Ppi not valid due to redundency
Hi Everyone I am the proverbial Newbie here so please bear with me. Im not sure i have a leg to stand on so i would like a second opinion. I was recently made redundent (June) and i was going to use my PPI that i took with my RBS Loan to cover a monthly payment while i was looking for work. I contacted my bank to initiate…
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Natwest loan forced?
Hi, I just want a little advice on a matter that has recently started to bug me. A while back I had a personal loan with Marks and Spencers and I was happy with the interest and monthly repayments. At that time I had a Natwest overdraft for e.g. £900. I went online to apply for a £100 increase and the way it was worded on…
