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Choice Catalogue Dispute
In 2004 I returned goods to catalogue. In the MEANtime they added charges to my account. At the time I disputed everything and left it at that. Now in 2009 they have sent the bailiffs to an old address. URGENT: What do I do next can I go to anyone who will act on my behalf? I feel very intimidated and do not want to do…
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advice on loan and c/cards
I have 3 c.cards £1700 on b/card = 0% interest till Jan 2010 £1300 on Tesco = 0% interest till Mar 2010 £400 on Abbey = Silly interest around 24% My credot score I believe is average havent applied for anything since April this year ( fianace for my DFS sofa ), prior to that 3 searches in Jan this year, Im looking to get a…
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HP Agreement..Help needed please
Hello im in a bit of difficulty and not sure what to do! I took out HP for a car 12months ago on a 4 year term paying 299 a month... im curently £800+ in arrears and im in danger of losing this car. My current situation means i can afford the £299 monthly payment but i cant afford anything else to the arrears and they will…
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Car Finance?? can i give my car back?
i bought a vehicle on HP a couple of years ago and am now looking at upgrading. i have been to a couple of dealers who have told me the car is now worth upto 2 grand less than i owe!! i was also told that i can give the vehicle back to the finance company if i have paid over 50% (which i have) and effectively wipe the…
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Offset Unsecured Personal Loans
Can you get them any more!?!?!? i used to have one through Inteligent Finance (best thing since slices bread) - but having just checked - they no longer offer them. Not sure if its a change in business strategy (weird as this was their differentiator), due to the HBOS/LTSB merger, or due to market conditions!? I also…
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Help needed with old debts
Hi, I have 3 old debts that i defaulted on back in 2004/2005. I arranged a montly payment plan and after about 2 years when checking my credit report, the debts appeared to be handled through another company. I spoke with them and they only know about 1 of them, which is a small amount, the others they had no knowledge of.…
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car finance need help
hi,, i am new to this and in need of help,, in dec 07 my x2b and i got a car through welcome finance,,,joint finance,,,last year we spilt up.. he left me with the car of which i am just about managing the payments,,, i am about to lose my job in the new year and would i be in my rights to voluntary terminate the contract…
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Secured loan
Hi there, I need help, I have a secured loan I would like to get rid of and movining to an unsecured loan. The loan is 18K over ....25 years, I need to reduce it but do not know how/where to start. I went to my bak and offered me stupid alternative 13%.... I need help Many thanks in adance.
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Can you be charged interest on PPI?
I could well have dreamt this but I thought I saw somewhere that if you take out PPI or GAP insurance that the loan company shouldn't charge interest on these? Can someone put me straight please? Thanks
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Loan chasing for arrears and Harrasment
Hi I've got a loan and up to date with my loan payments I have asked for a refund on my PPI which has been agreed and waiting for it to process through. I have since received a letter from them saying I'm over 1K in arrears :confused: my monthly repayment is about 160.00. This is the first contact I've had about arrears. I…
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Not receiving bank statements anymore
Hi there everyone, As I have had problems with banks fro so long, I have decided to ask CCCS to gather all in one payment. My question is: Since I have set it up with CCCS why the banks stoped sending my statements???? Is that normal:confused: ? Just as I have started to CCA some of the banks as well as reclaimed all the…
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Warning over ads promising debt clearance
I received this e-mail tonight (following a close shave with Yes Loans!) and thought someone might be interested in seeing another company who is misleading people into believing they don't have to pay back loans taken out before April 2007. Important News from Beneficial Claims Dear M--- Please make sure that you read the…
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Welcome Finance HP
Hi Guys, After some advice on this one, as not really sure how to progress. In 2006 I took out a car loan with Welcome Finance. Car Valued at £3500, with repayments of £216 per month. I cant remember the apr or specifics as rather stupidly my credit agreement was shredded when i moved house. I had the car for 19 months,…
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Really stuck, don't know what to do
In a situation, don't know what to do. I have a car on HP finance with welcome finance. If I pay another £2000 this will mean I have paid 50% of the HP agreement and can hand the car back. The other day the car had a few noises so took it to the garage, they stated it would cost 1700 to replace the gearbox as there is a…
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Secured Loan when unemployed
I own about a third of the value of my property and, due to unemployment, now need to sell. However it seems that as I'm unemployed I can't get a loan secured against the money I have in my property and consequently I can't afford the up-front fees to sell my house. It seems like I'm caught in a catch 22 situation but I…
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In complete shock!
I've just discovered my wife has took out another loan behind my back, along with some other debts she has also got, this has now stretched the marriage to breaking point, with her still not admitting the total amount of debt owed or who the other debts are with. I've been fighting this kind of behaviour on and off now for…
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Welcome Finance
I need help writing a letter to these people. My ex partner moved out 3 months ago and obviously hasn't paid them. They keep calling round at my house and its quite annoying now. I don't know where he has gone so I can't even forward them onto his new address. He has no family in the area either that I know about. They…
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Bad Credit history
My OH has a not so good credit history [ from years ago ], but is deperate to take out a loan for £8000. Does anyone know anywhere he can get a loan, we do not own our home so would have to be unsecured?? OH is able to make repayments up to £300 a mth.
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loans
Hello all I only have internet access at work and there are retrictions to what sites I can visit. so help with that in mind would be great. want a car loan, around £3500, but haven't the foggiest where to go to find a good deal. Work for a council (reason explained why the restictions) and been told to speak to Credit…
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Joint secured loan on ex husbands house!
Hi all! I am looking for advise and help..i seem to hit brick walls where ever I go. My husband and I took out a secured loan together..but the catch is its on a house that was solely in his name. we have since split up.. he stopped paying his portion of the loan months ago. He has since than moved out of house and given…
