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First Plus Loan
We took out a loan with First Plus for £12,000 in 2001. Last weekend on our return from holiday we recieved our first ever statement presumably due to a change in the law. In the last year we paid them a toal of £2074.20 of which £1704.29 was interest. Our balance after regular payments since 2001 is £12,199.64 !!! By a…
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Loan payments not being taken
I took a £3200 loan out in March time for a car. I was told my payments would start being taken in August...monthly. Nothing happened in august...or september....so i went into the bank to make them aware, they said something looked a little strange and she would get the manager to call me, ive had no call and still no…
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Front Loaded Loans?
Hello, 6 years ago, i took out a loan with Northern Rock, 8.8% APR over 10 years. Then, 2 years ago, i paid off aprpoximately half of the original amount of the loan with the proceeds of a house sale. Today, i called to enquire as to how much was left to be paid, and the figure given was shockingly high. I was told that…
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can we wipe off this debt
my late mother took out a loan for 240 months with a big name bank, while she was ill, she didnt have loan insurance, and was 60, we are expected to pay this OFF when the house is sold, we dont have a copy of the agreement, whats the first steps we should take, do you think we have a chance of clearing this
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pay day loan I never had
Last month I decided to apply for a payday loan, yes I know stupid but I did, I applied to a couple who e-mailed me saying that I had to send in wage slips and bank statements, and 1 that was called pay day express that I never ended filling in on line all of my details, and decidede not to continue filling it in and not…
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Information about various loan
privatestudentsloan11.blogspot.com/2009/10/debt-consolidation.html This web no telling what the defective set:T
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Student Loans
I have 3 student loans taken out in 95, 96 and 97. I have read that these older loans are now in negative interest. I received a statement from a new company and the SLC have obviously sold these loans off, however I am being charged 3.8% interest. Can anyone explain what is going on, and why I am being charged over the…
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Barclayloan Advice
Morning Just a quick bit of advice! Myself and my wife are in a position where we are about to default our Barclay loan , we were hoping to speak to someone about it though , does anyone know if we can discuss it with someone at our local branch , or will we have to call a certain number ? as at the time of taking it out…
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Car finance
post deleted as all sorted now thanks.
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Loan for unemployed
I am unemployed on benefits, i recieve about £5500 annually. I desperately feel i want a car after selling mine 6 months ago as it would be so much easier for me too get to the jobcentre, get CV's out there, interviews and i been thinking of working for a company like avon which i would really need a car for. Would anyone…
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Secured Loan... LEGAL ??
started loan in Jan... section in agreement said first payment one month from start of loan Within the week they took a payment We canceled the DD for Feb and resumed the payments in March sent a letter to explain why this was done.... no reply now found out they canceled the agreement for Jan and started a new one (same…
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Advice please
Hello, I have a 9k unsecured load and £1200 on credit card no insurance on either and no job now any help would be appriciated, Thanks
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Argos Loans
Hi, I am needing some advice regarding my Loan. I have received a letter from Argos Loans changing my Loan Agreement. The original text stated that I am to pay them by Direct Debit until the debt is paid off. They have changed the text to remove the Direct Debit payments as the no longer accept that form of payment. I am…
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Loansathome4U - Look majorly dodgey! Argos seems to be tied in with it
Hi Guys, I have just received a door drop of very poor quality letter (printed on a home printer in draft mode to save ink) from a company call Loansathome4U offering a special loan promotion for gift vouchers. £200 which will give you £260 of vouchers to spend in Argos for £10 for 32 weeks. I want to say.... Stay away…
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Secured loan. What APR can i expect??
Im currently thinking over going down the route of a £10k secured loan.I have £12k on six credit cards ( unbeliveable now i think about it) which i calculate is an average of 18% APR. Now ive looked at a secure loan with Black Horse who's headline rate is 7.9% but Typical is 11.9% apr. Ive just paid for a Equifax report…
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Need urgent advice for an 18 year old who needs a car loan
My son needs finance to buy a car but is finding it impossible to get a loan as he only has a mobile phone contract and no other credit. Anyone got any suggestions? Cheers
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Credit Report: Inconsistent behaviour from the lender?
Hello - another question! Are there any rules regulating when lenders can mark your credit report? I'm pursuing a complaint against Abbey through the Financial Ombudsman Service at the moment, trying to get three late payments (1s) and an Arrangement to Pay removed from my credit report. Having gone through it all though,…
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Blackhorse Issues - Please help before I throw in the towel and admit defeat!
Hey all, I was wandering if I could have some advice. Some of you may remember or read my issues with Blackhorse a few months back. Please can I have some advice on this, I would be grateful if someone brings me good news!! In April 2007, I opened up a finance agreement with Blackhorse to purchase a vehicle on behalf of my…
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Student Loan Transferred - What to Do Next?
I've received a statement from Thesis Servicing about my student loans (taken out in 1991 and 1992) - this is the first I have ever heard of / from them and wasn't aware that my loan had been transferred by SLC. I have deferred my loan every year and it looks like I will be eligible to do the same this coming year - do I…
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Letter template required to reclaim charges from Loan Company please
Can anyone tell me if there is a letter template to reclaim charges from a loan company who have charged me for late payments (interest added on a daily basis) and have charged me £25 for each letter they sent me and £25 for changing the payment date? I've looked but I only see templates relating to bank charges. Thanks in…
