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Urgent help required for Welcome finance
I had a secured loan approx 2 years ago to help with bills and separation of marriage etc totalled approx 14k over 5 years...not a problem well that was until last week, I got my first annual report(2 years old and no report before now) they have my loan at 180 months! and by my odds that will be nigh on £60k paid back!…
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paper Work Delivery
Hi Guys and girls, Just a quick one. I've applied for a loan, it has been accepted and I've been asked to pay £59 upfront by direct debit for paper work delivery. Is this normal? Has anyone experienced this?
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Credit agreements
I have a loan with Natwest. I didn't ask for insurance with it as they always find a reason to not pay up anyway. However I have just seen that they have taken a one off payment for insurance from my account. I have asked to see a copy of my credit agreement and insurance certificate but they have refused to send me it. I…
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Black Horse Finance
Hi there, I am new so bare with me. Here is my tale of woe I decided two years ago to buy a £15k car, I was not really sure at the time and my misses said no but somehow I let the car sales man sell it to me! I know aint they good, the finance turned out to be with black horse, I should have read the documents better but…
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Letter from HSBC about Personal Loan....
Ok, my DH has been paying into a DMP for the last 5/6 months, for his outstanding loans. We have been looking into BR, however we were hoping to wait a couple of mths to save up the fees etc, but now I'm worried about this letter from HSBC DH has received... This is what it says: 'I have been unable to pay the £201.59…
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Loan Advice (is this the next best step?)
Hi all, just some advice as to whether this is the right way to go! Currently have a loan with my bank at a rate of around 8.5% apr and it stands at around £10,500 remaining right now and I’m currently around £900 overdrawn too. I pay around £272 per month towards the loan. I’ve noticed that Sainsbury are offering a loan…
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Paying a loan off early?
I have a loan which i pay 125 pm and will finish paying Nov 2011- so 3000 left to pay. If i opted to try and pay either more each month or pay it off in full would i be charged extra? It was a 5000 loan from halifax over 4 years... Thanks in advance x EDIT** ok ive just realised that someone has already asked this? Is an…
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Possible to pay back a Career Development Loan early?
Hi there, Im about to start an MSc this September and I have to get a career development loan to fund my studies. Firstly I'm going to try and get the full amount (10,000) with Barclays bank. I was wondering if it is possible to pay back the full amount of loan whilst I'm at University? Therefore I would not have to pay…
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M&S credit card turned into loan
Hi there, I have a question with regards to a credit card I have which later under M&S advice turned into loan. As I have previously had around £6000.00 on credit card and would not be able keep up the repayments m&s came forward and told me that a loan would be a better way. I could not say no to a lower repayment monthly…
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Beneficial Finance - Early Settlement Question
Hi All, I’ve been hanging out on here a while now but this is my first post. I’ve seen what others wrote about early settlements and confusion of amounts so here are the details. Basically I think they are asking for too much as a settlement figure, but I could be worng?!? Date of Agreement: 3rd July 2008 Taken over a…
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welcome finance.... help me!!
I stupidly have a loan with welcome finance.... started it nearly 3 years ago, it should be coming to an end Dec this year, however I have just found out that they have extended it till oct 2010 cause i borrowed extra, when i went and signed on for extra it was said that my payments will go up which they did and that the…
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car finance early repayment question?
I have finance on my car which i wish i never took out. but i have it now. ive set up a standing order to pay 250pounds a month extra off of the finance thats ontop of the 139pound a month that i set it up to be (i didnt earn the money i do now at the time) over 36months ive been paying it for 10months before i set up the…
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£20 Late Payment
Can anyone help ?. I had a loan with Universal Credit now taken over by Paragon. I have told them i can only make my £20 payment on the 1st of each month, not the 28th they want. So on the 1st they ring me up to tell me my payment is late, i pay the £20 then 2 days later i get a letter telling me i have been charged £20…
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help needed - settlement figure
Hi guys, I'm new on here but wondered if you might be able to help me. I paid for a college course through barclays partner finance and recently asked for a settlement figure from them. to explain a bit of background, i'd had a few charges for missed payments and expected to have to pay roughly £500 to close the account.…
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Welcome Finance.....Help required
Hi I wonder if anyone can help me out? I took out a loan years ago with Welcome Finance, and still owe around £1,000 on, stupidly I defaulted on it. Lona was from approx 2001 Anyway, I have not heard from them in years, I think the last time I spoke to them was 2004 or early 2005. They have contacted my friend who was…
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how to pay loan,which only accepts cheques?
Hi, i have a loan with HFC bank,which can only be settled by sending them a cheque or internet banking. I am paying a high interest and would like to get rid of this debt and shift to something with less interest,but how? i do not have the cash to pay it off,its just over £400. i just rang my barclaycard to see if they…
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Partial Settlement from Lloyds - Lesser of two evils? Help please.
I have a personal loan with Lloyds TSB which due to redundancy at the turn of the year is now in arrears making it close to £11k. I have just recevied a letter from their collections department offering me a settlement figure of £7600. I have spoken with CAB and they said the catch is it will sit on my record for 6 years…
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Grounds to appeal loan rejection?
I applied for a Tesco finance loan, was provisionally accepted, and then rejected. "We have reviewed your application and are unable to offer you a loan at this time. This is because the recent conduct of your account has not been satisfactory." after being provisionally accepted I was asked to send in ID (utility bill,…
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Desperate help with WONGA needed asap please help me.
:confused: :confused: :confused: :confused: :confused: :confused: :confused: :confused: :confused: :confused: :confused: :confused: :confused: I am fully aware it is my own fault but I have opened my eyes and feel so foolish, so I would appreciate any advice and help. Please do not criticise me and tell me what I already…
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is this legal??
ok for the past 6 years i have been paying the hfc bank via their restons solicitors £75 per month it comes out my wages which then i also get charged £1 every month so i come home to day to find out that a statement been sent from hfc bank stating i owe now 1,623.91 happy days i call restons thay say i owe nearly 8.5k the…
