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help advice needed
hi i really need guidance, i am about to start college, a full time course, i am a single mum and i cant seem to get any joy with help! At the mo i am looking for an evening job as the job centre wont pay my rent when i go into full time ed plz can anyone give me any advise?
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Graduate Account Loan
Afternoon all. I was wondering if anyone knew a bit about borrowing and could help me out. I currently do all my banking with HSBC, and my main account is what they call a "Graduate Account". Basically you get a £2000 overdraft for the duration of PG studies and then about a year after you graduate you start paying…
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Loan interest correct?
Hi, I was hoping someone here can help, I have a loan with HSBC for £9210 over 144 mths (12 years) @ 12.70% variable (I KNOW! it was the only alternative, other than defaulting on an existing loan, this one replaced it.) I have been paying 85.20 per mth for 1 year, I have just got a yearly statement which basically says I…
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student loans
Hi I have pre 1998 and post 1998 loans from 2 separate degree courses.. because I am over the threshold for both I am being made to repay them both at the same time.. over £300 a month!! Is there any way to stop them making me repay both at the same time??
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Firestone Financial - Good or Bad?
Firestone Financial - Good or Bad? Hi Anyone used this firm before? Just received an email offering me £1500 NOW at a monthly rate of 8% which is high, but not necessarily that high for payday type loans.... Anyway, just wondered what peoples thoughts were and whether they have been used/tried/tested?…
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Am i missing something - natwest
Hi all, just need to friendly advice before i go full steam ahead into another battle with the lovely Natwest. I took out a loan for 12k at 7.9% in 2006, i paid monthly payment of £241 for 6 months before i refinanced the loan. the amount natwest refinanced it for was £11,969 something..... Myquestion is, i paid £1440 odd…
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Loan Protection Payments
Hi I have a loan through Barclays which at the time I did not take out payment protection with them. I decided to take out this insurance with a separate cover with Insure u cover - Pinnacle insurance with I pay £15.00 per month for Employment, Sickness and Redundancy. My family have said that these insurances are not…
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Welcome Car Finance: forged signature?
Hi, not sure if i'm posting in the right place but here it goes.... I'm in the process of trying to claim back for PPI and insurances with WCF. I was advised by others in a similar situation to send off a CCA request and write a letter of complaint about my PPI. I did this and recieved the credit agreement through the…
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Friend in crisis - Welcome Finance
Hi all I had a friend come round this afternoon and she ended up spending about an hour on the phone to Welcome Finance being messes around, passed around, given conflicting information and eventually just being told to pay up or else... anyway by time she got off the phone she was very very upset to the point of tears, so…
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Everyday Loans - Help Please
My son took out a loan with the above company in March 08 for £2k the repayments were £48 per week. In March 09 he lost his job and was unable to afford the £48 per week. He contacted the company and let them know his position and made an offer of £10 per week which he implemented and has stuck to. He has just recently…
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Payday Loan ending loan early
I paid off a payday loan of £200 the charge was £60. I paid this off within 5 days of applying for the loan, i just realised that if you end the loan within 2 weeks i should of only paid £30. However on the phone they said it was £260 and i didnt think nothing of it and have just realised now i've been done over. Is there…
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Student account
Hi there, I have applied for a account at halifax (student account) but have been turned down. I don't see a reason for this. I have always been careful with my miney and rating. I have a credit card now and pay it off which is with santander and I bank with abbey. I just got a tv on finance which is through hfc, so it…
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negotiating new lower interest rate on loan
I had to take a loan out with Tesco finance earlier in the year to pay off my divorce etc. As my credit rating was a bit poor at the time I got accepted for the loan but at a higher% due to the so called increase risk of defaulting. My rating is much better now and almost at full marks. Can I ask for the rate to be lowered…
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LLOYDS TSB LOAN....advice needed again please?
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Struggling to pay back month end loans
Hi, I have a couple of payday loans outstanding which are costing me a small fortune each month. I have one a 1000 and another at 500. With my other debts I'm struggling to pay these off in full at month end. Therefore wondered if anyone had any recommendations for small loans, which means I could switch them over and save…
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Will try again...........
Not sure what happened to my last thread but l wanted to know if anyone else had applied for an unsecured personal loan after seeing those online adverts just to find out the at the company doing the advert didn't really lend you the money, they just put you through to someone else who you have to pay a fee to for your…
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Personal Loan - Advice Req'd
I applied for a personal loan of £15,000 to HBOS (who I have held my bank account with for around 20 years) in order to consolidate my debts and also put some money towards my wedding in May. My application was declined, and the bank told me I should check my credit report, which I have now done. My credit report scores me…
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please help dont know what to do...
don't know where else too put this so please move it if ive posted in the wrong place. my husband and I recently bought a house and for the past three months we have been receiving mail that wasn't in our name which we had just been putting back into post box with "not known at this address" on it. (there has been three…
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Early Repayment on Personal Loan
Hi, Hope you can help. I took out a loan of £15,300 with the Halifax in June 2009 and I made my first payment this month. Since then I've discovered a much cheaper loan; I applied for this and was accepted. Now I want to pay off the Halifax loan, but have been quoted a phenomenal amount for early repayment: I currently owe…
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Default Notice
Can I have a default removed from my credit file if the amount on the notice is not correct? How would I go about it? I have the statement of accounts and the default notice and the figure of £115.48 has never been outstanding. Thanks
