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What does referred mean when trying to get a loan?
I am in the process of getting a fairly large loan. I have a good credit score of 463 which is above average yet the loan has been referred. What does referred mean? Referred to who? Thanks!
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Can I reclaim "Letter Fees" on a Personal Loan
Hi, I have a loan with Capital Bank (Bank of Scotland) which I took out with a Mazda dealer when I got a new car. Lately, I've had trouble paying my monthly payments. However, I've discovered that the Bank has been charging me for letters telling me my payments were overdue. These charges range from £25 - £150 per letter.…
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Loans - Bank helping themselves to your money...
Hi I hope someone here can help, a couple of years ago I took out a student loan through a high street bank. I was told I would only have to start paying it off when I qualified, I haven't qualified yet and can't really afford to make any payments yet. They send me a statement every six months but have never requested I…
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Loan payed off several months ago but still showing on my credit expert report??
Hello all, I had a small loan with Blackheath loans which was finally paid off in November 2008, I checked my credit expert about 6 weeks after the final payment to see if it had been marked as satisfied, and it wasnt. I have repeatedly requested (by e-mail and phone) that they sort the issue but even now it is still shown…
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Interest on loan help
i really need help..... i signed a contract on a loan for 9.000 which included all interest and stuff.. me and my husband have now been made redundant and natwest seem to be adding alot of interest it has gone up to nearly 11.000 as im only paying £20 per month can they do this?
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Negative Equity on a car
Hi We have about £1700 negative equity on our car but we want to get rid of it. Long story. Crap car, expensive to run, far too big for our requirements now. We have an idea of the car which we want to buy (pre owned Lancer estate). Have spoken to man at garage who advised us about the finance. We already have a loan with…
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Car Finance
I bought a car on finance 2 years ago for £6,000 and recently have been looking for something bigger. I have found the car I want but need finance to get it, so rang Black Horse for a settlement figure for my car which is £3,800. The trade in price for my car is only £1,500 so that leaves me £2,300 negative equity. Is it…
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Is This Loan Fair?
Hi, everyone. A friend of mine borrowed £20K from LloydsTSB in 2006 for a term of 5 years. He has been honoring the terms and making repayment in time. But there's something I don't really understand. The loan he's got is called Fixed Amount Loan, which means he has to pay all the interests whether he pays it off earlier…
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First Time Poster looking for some pointers
Hi, Hope you don't mind me spilling my guts here but there is a bewildering array of information here and I could do with a nudge in the right direction. I've got 4 payday loans running currently - I am rolling over 2 and paying and reapplying for the other 2 and this pretty much covers my salary. I seriously need to get a…
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Worse case scenario if you don't pay back a loan?
What if, hypothetically, you took out a loan for a smallish amount, say 6 grand, but then due to redundancy, you could not afford to repay. What can the loan company or bank do? Is it really bad if you fail to pay back the money? I am curious as it seems that a lot of people are taking out loans, then are unable to make…
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loan charges
hi everyone i am new to this but here goes.... i got a 10,000 loan from natwest for my ex but he left me a few months after when i found out i was pregnant...so i could'nt afford to pay the full payment every month. They then kept piling on charges and interest every month even though they knew i could not afford it as…
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Welcome Finance
Hi everyone this is the first time i have used any type of forum. Hopefully i'm doing it right. Now i have a problem with Welcome Finance these guys keep calling at my house like once or twice a week at 8:00 am for my ex partner. My ex one morning got up and left all his stuff including his debt with these people about 8…
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Hire Purchase agreements help please
Can anyone help please I have a hire purchase agreement for a car with welcome finance, the agreement has a further 12 months to run from a 48 month term. I have been advised that I can voluntary end this as I have paid more than half. I cant find any termination rights or figures on the agreement. the only wording I can…
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Black horse finance
Anyone had any experience of Black Horse Finance? Are they linked to LloydsTsb? Thanks
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Vauxhall and mysterious APR
We are due to pay 'balloon' payment on our present 06 Astra - which is approx 4.5K. Vauxhall are 'giving' us 1.9 K towards proposed 'new' - almost new 09 reg Corsa which is, for sake of argument 10K. They say the percentage we will be paying is 6% but when I spoke to them today they said they are unaware of actual APR %…
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HELP ME! Pay back student loan? Confused..
Ok so I have read everything on here, and accept the arguement for not paying it back.. sort of So what's the best thing to do in my situation? I am about to embark on a year of high living costs and a low salary. should i try and save whatever i can into an ISA (which don't seem to offer much at the moment) or use this…
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Repaying Professional & Career Development Loans
Hello! I'm looking to get some advice about repaying PCDLs as I'm thinking about taking one out at the moment for a postgrad course I'm starting in September. I've got the application packs through and have trawled through the small print and I can't find anything about making early repayments. I'd probably be looking to…
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Is this debt unenforceable?
Hi, can anyone tell me where I stand on this please? I signed a Trust Deed in 2002 and my ex-partner decided in 2003 he wanted a car and went through Yes Car Credit. To cut a long story short, Yes Car asked if I could come in on the agreement and I explained I couldn't due to my Trust Deed. They were insistent and said it…
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Has any one succeeded in cancelling a loan?
Hi i am having huge problems re paying things, partly Barclay's are at fault and i am arguing my case with them but i can fore see i am not going to succeed i think? They appear to have stuck together and they are standing their ground on it to. They want me to take out a new loan to clear my present debts but they want me…
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Student loan Income tax trap! Help?
I wonder if anyone can help. I seem to have fallen into an income tax trap hell. Basically I have a student loan from each year I was at university (6 in total as I studied architecture) The first one starting in 1997 and the rest in the years following that. There are two type of student loan, those before 1998 and those…
