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Default on a loan
My BF took out a loan with A&L in July 2004. A default status was placed on the account in Jan 05 due to him being stranded in Oz due to an accident and couldn't pay between Sep 04 -Dec 04. Since Jan 05 he has made regular monthly payments on time and has not missed any. He is due to pay the final instalment of the loan…
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Bank of Scotland Personal Loan
Hi First time on here and we need some advice please. I took out a BOS personal loan (over the telephone) in April 2008. After weeks of requesting I finally received copies of my loan agreement today. The loan agreement is NOT signed by me or my wife. The signature boxes are blank. It is signed and dated by somebody on…
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can anybody help me - student loan problems.
I have some issues with my student loan but require to tell you a bit about my history so that you can see the issues surrounding them. I went to university in 1994 and then followed with a pgce that I needed to take over 2 years due to financial problems. When I started working as a teacher in 1999 through to 2002 I was…
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In a nutshell
http://www.orange.co.uk/money/cardsandloans/22524.htm?linkfrom=hp2&link=secondary_pos_1_link_title&article=090829x1000x4sec1moneybanksloanprofitincreasestenfold
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student loans company statements
I wonder if anyone can give me some advice. I have a student loan and there have been PAYE deductions for the last 2 years, but this year i haven't had a statement- i've rung twice asking for one and written to the customer service adviser. But i haven't had a thing. This bothers me a little because my friend has just had…
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STUDENT LOAN - To pay or not to pay...
Folks I am after some advice. I took out a student loan in 1999, graduating in 2002 with about £11k worth of loan to pay back. I went travelling for a year, came back and started doing some temping etc in the UK. Neededless to say the SLC were quickly onto me and I began payments back. Following this I did a PGCE for a…
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RBS ripped me off
Hello. About 6 years ago or so I had to get a loan to pay off my student overdraft for £1800 as i didnt finish the course. The bank sent me a letter to say i needed to sort this out so i went in to my branch. I sat down and got a loan where i thought it looked ok. So about a month later the bank sent me a letter to say…
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Loan from a friend
I spoke to the nationwide about a £15k loan attached to a mortgage. Looking at a £1k arrangment fee. Crazy! Mentioned to a firend about this who has offered to lend it to me. I thought ZOPA.co.uk was the way forward, but too inflexible. I want to ensure thay are insured against me for whatever reason. Is there a company…
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Help with girlfriend 'loan' figures (not a swingers add)
Hi. my girlfriend currently has a large amount of cash in a bank account earning 2.5% AER. she has kindly offered to lend me the money to pay off my bank loan and I suggested that to make things beneficial for us both why don't I pay her interest at a rate in between my bank loan (6.5% apr) and her savings interest rate.…
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Strange call from Lloyds
Working with a colleague today and he had a strange call from Lloyds out of the blue. He has a cc and loan with them. The cc is about 9k and the loan 10k. They explained how it would take him the next 20 yrs etc to repay the card if only doing min payments etc. They offered him another loan to cover both over 5 years -…
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Unenforcable secured loan?
Hi there can somone point me in the right direction i think i may have an unenforcable loan so i need it checked has any one used a no win no fee company or could recomend one to me as its a mine field trying to choose the right one. I have uploaded the agreement to see what people think of it and if i have a case or not?…
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Secured loan query
Hi there everyone, Total newbie here, and I would appreciate any advice regarding a problem I'm having with my secured loan provider. Due to horrendous bank charges and my husband's recent redundancy, we've missed the past two payments on our secured loan, and the company is threatening all sorts of horrible stuff if I…
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70k loan with no paperwork
Hi. was called into my Nat West bank a short while ago for a 'meeting'. it transpires that they do not have any paperwork or indeed any info relating to a 70k loan i took out in Jan 08. I applied for a Mortgage so i could purchase a commercial property. the whole application was a complete farce and took 6 months to…
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Why's my Zopa rating so low?
Just thought I'd run this past you all.. I have been give a B rating on a loan for £1000 @ 17.9%. Based on their questions I thought I would rate higher as I'm on a good income,little other credit commitment and have a mortgage,work full time,no defaults,CCJs etc.? What would they take into consideration here in awarding a…
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Help me beat Debt Management's Fee!
Hi, I'm currently owe 8,000 to 2 creditors. I have been using a Debt Management Company for 2 years, they negotiate with my creditors, they have managed to freeze the interest for me, but take 17% of any money that I pay. If I stop using the company, the creditors will start adding the interest back on. Even though I have…
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What is the best way to transfer loan balance?
I want to get all my debts paid off as quickly as possible, so I decided to cancel the PPI on my loan to bring the cost of it down (was almost £2000 on top of a £6000 loan), I thought that I would just cancel it and my payments would come down etc. but what happened is my bank cancelled my existing loan and said they will…
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Loans with no overpayment penalty
Does anyone know of any?
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Old Banks, New Lending Tricks
more here finance.yahoo.com/loans/article/107489/old-banks-new-lending-tricks.html?mod=loans-personl_smallbiz :j
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cash finance direct
i recently applied fo a loan from direct finance limited went through the expense of calling premium rate number only to be told after about ten mins that my details would be passed to athird party and was told to phone that number but could never get through so gave up however they did take 49 pounds admin charge from my…
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Student Loan with a Twist! :)
I could really do with some help after having spent hours and hours on Google and coming up with nada! I am 22 and starting college again in September, and because of my Dad's income (which won;t be helping me out!) and my salary from last year (of which there is none left!) I am unable to get any Government grants. I am…
