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Is there any point in 'Rebuilding Credit'....
I've paid all of my credit committments (mobile phone, bank, credit card etc) on time with all green's on my file for the past 2 ish years... However, this seems to mean absolutely nothing when it comes to getting a loan if you have defaults on your file....mine are from 3 ish years ago when I lost my job - the last one is…
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loan protection insurance
i have a natwest bank loan, i am now unemployed due to redudancy. the problem i am having is the loan dept want me to send into them three aplication forms of jobs i have applyed for, as there are no jobs according to all the phone calls i make, this is not good enough for the natwest, even though there is nothing tio this…
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Specific unenforcable loan questions
Hi all, Just to be very clear - I have repaid the loan amount in full and am seeking the loan be nullified for grounds of unenforcability as I have a default showing on my credit file (the loan is paid and settled)... I have done as all suggest - I have contacted the lender requesting a copy of the credit agreement,…
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DFH - Debt Free Helpline Management Prog
Hi All I applied for a loan today with DFH - was told that my credit rating was abysmmal (i knew this) and that the loan was rejected. I've opted for a debt management programme to finally get myself together reducing my payments from around 650 to 300 - Just wondering what peoples experiences were with DFH or similar…
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Require a Loan
First off, god I wish I read this site 4 years ago :( Got myself into some financial troubles with at 23 years old is a massive weight around my neck. Hello all, I hope someone may have some advice for me. I read this site a couple of weeks back and saw a recomendation to use AllAboutLoans.co.uk from another user when…
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Loan Charges
I have a loan for 6500 which runs till 2011 I never missed a payment for the 1st year but i asked to change the direct debit date which they said they did. There was 4 months that were not paid due to the DD, I have never disputed that i owed this money and that i would pay it at the end of the loan but they told me i…
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Personal loan with my bank - should I take it?
Hi would appreciate some advice I went for a review with my bank the other day and was offered a loan with them but I'm not sure whether to take it. Let me give you some info on my background. I currently have debts of approx £13,000 (2 loans - 1 fixed at 8.9%, one flexible that has gone from 9.9% to a ridiculous 21.9% and…
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Personal Loan advice
Hi all, hope your all well. Im looking for some advice. I recently applied for a loan of £12000 with my bank, with a rate of 15.3 % over three years. I was hoping to clear all my credit cards/previous loan and overdraft plus my final car payment. I then found out my car finance was offering a loan at a lower repayment…
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Borrowing from the folks
I have been trying to get a loan for the last 2 weeks to part fund a car I want. I have excellent credit, and more than enough to cover the repayments. Yet due to the nature of the car the finance companies are nervous. So it's no go on that score. So I have decided I might ask a parent to lend me the money. At present the…
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how to transfer car finanace
Hi wondered if anyone can help a friend of mine has a car loan with her husband who has walked out on her and has the car, how can she go about getting her name off the loan, as with his past history he is likely to default and if her name is still on it they will chase her and she being a single mum with 3 kids will not…
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Audi Finance - Need Advice
I am 18 months into a PCP deal with VW Finance and need out! I pay £400 per month and have done so without fail since the deal began in Feb 08. I now have a settlement of around £14k and the car is worth between £11-13k - depending on the trade or retail values. I know I can sell it privately, pay off the outstanding…
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Global Debt Recovery
I hope someone can help me to help a friend. My friend took a loan out about 7 yrs ago. She has now paid the debt if not more but the company (Global Debt Recovery) is still taking money each month from her account. She contacted the bank to cancel what she thought was a direct debit to be told by the bank that the…
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French Loan
Can anyone help.? I have had a call on my company mobile today asking for me by my maiden name (not used in 7 years) wanting to talk to me about a loan I apparently took out to buy furniture when I lived in France in 1998. No-one has contacted me about this previously and in all honesty, I do not remember this loan. The…
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V12 Finance
Hello people, just a quick thread re V12 Finance. I have two accounts with V12 and learned that they only search CallCredit and only report account conduct to CallCredit, so if you have a clean file with callCredit and you need to buy something on credit, then you might be in luck. APR for std credit is 19% .
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Future Value Help - Preparing for university work
Hi guys, i'm due to start a degree in building surveying in september and the university have given us some work to look at. Haven't been able to find much on the web so far, so thought id ask in here. The problem i have is, what is the future value of £100pa for 2 years, followed by £130pa for 4 years at 6%pa. Is it as…
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Early Settlement fee
I have just paid off my personal loan. I have paid the early settlement fee and now closed the account. Yesterday i received a letter of my old bank asking me to send them a cheque for £130.00 as their computer had assumed thta i had paid the August payment before i paid the settlement fee. Are they aloud to do this? I do…
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Instant Decision Bad Credit Loan
My brother has offered to get a loan for me. Does anyone know of an online loan company where we can get an instant decision based on the following criteria please; Home owner - 2 homes, both mortgaged (one is rented out) Earnings approx £70k a year BUT extremely bad credit rating can any one help me with who might give us…
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The Bank Wants their Money I am Gaurantor
My wife and I stood Gaurantor on a loan to try and help my son. He has been laid off, my wife is retired and I am due to retire. Lately we have fallen behind with payments and have been to the CAB for help. The amount outstanding is approx 15k. We have approached the bank with what we can afford but even after 40 years…
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i have a problem with loans !! plz help
hi, i ahmed rafiey a new moneysaver. i have a small problem with loans i am under age and my dad gives me atleast a 100 dollars a month which is less ,, so, i have loans with the supermarket guy and maybe its 38 us dollars, and i have loans with the textile which is 10 dollars, u know iam under age ,, and i like to buy…
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Infinity Vehicle Finance
Anyone had any dealings with this company or know anything about them? I've done a search on here and not come up with anything....I've read a couple of good reviews on another website, but of course, they may not be genuine!! Thanks all.
