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Welcome Finance / Cattles Finance
All, For those thinking about taking out a new loan, please let me give you some advice. AVOID Welcome Finance. They are very nice to your face when wanting to sign up, but if something goes wrong then GoodLuck! Im quite lucky as I only have 2 payments left on my loan and then it is bye bye to Welcome Finance and NEVER to…
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Loan advice required, HELP
I have just been confirmed for a loan through YES LOANS, the details came through today in the post. I applied to borrow £6,000 but I was offered a loan of £3,000 with a lender called FLM. The APR is a massive 53.0% and this will work out that I am paying almost double back in the end. Can anyone recommend a lender/loan…
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Wrong amount..........
I have just been going through all my paperwork relating to credit I have taken out over the last 5-6 years or so looking for anything with PPI to make a claim. I have a £16,000 unsecured loan with Northern Rock but this unfortunately does not have PPI on it. I did notice on the credit agreement though that the interest…
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Credit Plus Car Finance
Hello all, I am considering applying for a loan with the above given my 'fair' profile on moneysupermarket.com. Just wondering if anyone has used these and their experiences, I would be pleased to hear about it. Also any idea of typical APR? Many thanks
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MSE News: Could the debt write-off industry become a write-off?
This is the discussion thread for the following MSE News Story: "Consumers have been told by a claims expert they have little chance of getting debt wiped out by challenging a credit agreement ..." Read the full story: Could the debt write-off industry become a write-off?
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Ford Finance
I have asked this question in another part of the forum and i do need help on this. My girlfreind went to fords on Saturday, saw a nice focus. we arranged everything around our budget, we did not sign a finance agreement as they was closed unil monday. the problems we have are below. * The part evchange for our old car was…
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Secured Barclays Loan
Hi can anyone help me, i took out a loan for 53k in April 2005 and had a 10k insurance policy attatched to it. the 10k insurance would be paid back after 5 years if no claims had been made. In April/May 07 i sold my house and moved to a new one, i had arranged with the equity in my house to pay off the loan but was…
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need to reduce my loan payments but how?
hi looking for some advice... i have 2 unsecured loans both taken out over a 7 yr period 2 yrs ago. first loan is 7k (paying back 10k over 7 yrs) second loan is 15K (paying back 20k over 7 yrs) my monthly payments are £125 pm for loan 1 and £245 pm for loan 2. thats £370pm im paying but i need to get rid of these 2 loans…
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Over charged for Rbs loan?
Can someone help me. I took out a interest free graduates loan in 2006. It was for £1800. Now when i happened to look at the agreement today (whilst looking for something else) i noticed it says Payments: b) The loan will be repayable at intervals of 24 months(s) comencing one month(s) after the loan is first drawn by…
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Is this a typo?
I've just been perusing the Welcome Finance website and noticed at the bottom of the page that their typical APR is 85.0%! Is this just because they are owned by Cattles (who are pretty screwed atm) do you think, or is this typical of sub prime appetite at the moment?
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pressure from Nat West to take out a loan
My son has a good job but is up to his overdraft limit every month and is almost up to his credit card max. He pays his overdraft charges every month and as much as he can off his credit card. His total debt is £4000. His bank Nat West called him in last week and put him under intense pressure to take out a loan to pay off…
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Best loan at top end of unsecured
Can anyone give me a good idea of who is likely to play ball on an unsecured personal loan of £c25k over 5 years. Affordabililty isnt an issue, credit report totally clean, rating 999 per Experian. No searches recently. All uneccessary credit cards etc closed. But Tesco still bombed me. And I dont want to go hunting around…
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Daughter needs help.
My 23 yr old daughter lives in UK (I in France) and has just separated from boyfriend. She has no where to live and cannot afford to pay for a deposit/one months rent outright to find somewhere else. She is in debts up to her eyeballs cos she didn't listen!! and unfortunately I am not in a position to help at all…
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need some help quick!!
i have recently left my partner and have taken some debt with me.. im in desperate need to clear it all so i can start a fresh life for me and my daughter.. im only 22 and because my debt is with a bank, i'm finding it hard to find somwhere willin to help me.. im only on benefits aswel but can afford re-payments up 2 £60 a…
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FLM Take Money on Debit Card [TEXT DELETED BY ABUSE TEAM FOLLOWING COMPLAINT]
My daughter took out a loan with FLM and this month due to loss of job has had trouble in meeting the payment. The Direct Debit was cancelled months ago and it has been paid at Paypoint but on one occasion she paid by Debit Card. This month, they have taken a number of small payments on that debit card [TEXT DELETED]! The…
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Is it now the time?!?!
Hi, Im 21 years old, in full-time employment and have struggled to get a loan!! I bought a car around 3 months ago now at £5000, I had a week to get the money but got refused 3 times (tesco, sainsburys and alliance & leicester). Luckily someone stepped in to borrow the money. I find out that I was not on the electoral roll…
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Owing Family...n declined for a loan from my bank....ADVICE!
i have tried for the last Year and a half to get a loan from my bank, my situation I owe my family £8000...this was throughout university...and moving to get my career started as a teacher. Whilst I was on my teaching post I had no difficulties paying the £400 a month that i verbally agreed to. Now however I have moved…
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Welcome Finance - Repayment Terms
Hi There, I got out a Welcome Finance loan to pay a deposit on my first house (renting) back in august last year. I lent £1000 over 36 months at £59 a month. On checking my credit report it states £1000 over 37 months. Would this mean it will be for 37 payments? Or just a simple error? I would have thought if it was for 36…
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Help getting a personal loan
Can anyone recommend a good personal loan service for people with bad/poor credit? I'm looking for an unsecured loan for about £2k. However, I keep being refused for which I can only assume is due to a bad credit rating. I seem to keep getting declined after the credit check. So far I have tried halifax and smile (both of…
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Bank said no, but desperately need a yes!!!
Got a big fat NO from HSBC when I asked for a £10k loan to complete ALL house repairs/replacements on my house. I then asked for £5k which would cover all urgent repairs such as no heating system, wooden windows with rotten holes, another NO. I personally believe I can afford a loan of at least £250 a month, still having…
