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PPI repayment on Loan reclaim
Can anyone advise on the following or had a similiar experience; I contacted Barclays First Plus with regards to a loan I had initially taken out over 5 years ago with Zenith in relation to PPI. They have informed me I am not entitled to a PPI repayment as it was not sold by themselves & they have only taken over the…
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Pay daddy back or overpay on the mortgage?
I borrowed £30k a few years back and the idea at the time was to pay dad back this money when I moved from flat to a house in five years (from 2006) time. I only have 2 years left on my current rate mortgage before i need to look for a new deal. Dad re-mortgaged to lend me the money so i pay him back at his mortgage rate…
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Help Please With Dodgy Credit Agreement, PPI & Charges
In October 2004 I took out a new loan with BCT for a sum of £5,000.00 which was used to pay off an existing hire purchase agreement with the same company leaving me with £1,990.02 cash back to use as I wish. PPI insurance was added to this loan upfront and this cost £762.50. (I am currently trying to re-claim this back as…
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Legal requirements for an 'arrangement to pay'
Hello - could you help? Do banks and other lenders have any legal rules by which they are bound when applying an 'arrangement to pay' on an account. Is there any formal definition of what an 'arrangement to pay' is - and who sets the guidelines as to when one might be applied?
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Advice Needed
Hi, I'm hoping someone can give me some help and advice. I've got a small amount of debt (under £1k), from 3 separate sources. I've been analysing my budget and I simply can't cope with my monthly bills and food budget any longer in addition to the debts I need to pay off. I live alone and am not entitled to any benefits…
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Provident Financial secrets revealed
Provident Financial based in bradford is a door step lender, ala a modern day loan shark company, but dressed in suits and based in offices, so people think of them as reputable.people with very poor credit history or people who the banks won't lend to, are providents biggest customer base, so they target this customer…
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unenforcable car loans etc
i keep getting calls at work from an automated dialler saying they can wipe ot my debts due to loans being unenforcable. how can a loan be unenforcable? i dont have any pre 2007 anyway so couldnt claim but just wondered what is wrong with certain agreements. presumably these companies charge so if people knew what to look…
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YES loans
Does anyone know anything about yes loans. My best friend has contacted them for a loan and they are a broker used to be" yes car finance". They are asking for a fee of £69 b4 processing anything,this rings bells tome big time. They do say they will refund it minus the £5 brokerage fee if no loan is found in 3 months but…
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Court papers from loan, any help plz!
Hello everyone, I am really in need of some help asap, i,ve stuck my head in the sand and now i,ve got court papers demanding the whole amount of 9187.13.... i,ve been paying for a year and its still the same amount now. I lost my job in february and told the company my situation. They agreed a payment lowered but I never…
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Credit unions
Hi, I was just wondering if anyone had any information about credit unions? it seems very....easy?!?!?! surely they don't give bad credit loans as their name would be popping up all over the place. Has anyone had any success from them? But even if they don't give bad credit loans to people i am interested in joining even…
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Tesco loan
I have just applied for a Tesco personal loan for £7500 and received this email imediately? Just have to wait and see now although am not feeling too confident? **** PLEASE DO NOT RESPOND TO THIS E-MAIL, IT HAS BEEN SENT FROM AN UN-MONITORED E-MAIL BOX**** Dear mr XXXXXXXXXXXXXXX Thank you for completing the online…
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When taking out a loan, do you need to prove that you can repay?
Hi there, I would really appreciate any advice that you could offer on whether there is any requirement to be able to repay a loan before it is given out. My brother in law bought a car last year. He was sold the car on finance (over 60 months), together with Gap insurance and PPI. He was unemployed at the time, had been…
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personal bunkruptcies soar
in september alone the amount of people filing personal bankruptcies soared up to over 41%. the situation is more critical now than ever and many people growing desperate. my good friend has a credit card debt of $10,000, student loans of $40,000 and $15,000 worth of secured and unsecured personal loans with killer high…
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Car finance from main dealers
Just wondering if anyone had managed to secure car finance with a main dealer, if they have a late payment marker (or any other adverse) on their file? Or would someone like Black Horse possibly offer finance through other motor traders?
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loans for home inprovements
Please bare with me and my ineptitude but I have paid off my mortgage a few years ago and now need a loan for home improvements. I presumably can now not remortgage (get a moortgage) to obtain the funds. I presumably must get a loan - if so is secured or unsecured best as the rates do not seem to differ much. Hope you can…
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Cancelling finance and returning a faulty car.
Does any one have some good advice on what to expect when trying to give back a faulty car when it has been bought with finance arranged through the garage? My sister bought a car just over 2 months ago and has only driven it for about 2 weeks in total, it has some major faults the main one being a cylinder head gasket…
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RBS/Triton loan debt help please!!
Hi, This might take a bit of explainging so ill start from the beginning... In April 2007 i started a DMP with the help of the CAB and have been paying my creditors less amounts and with no interest quite happliy since then. One of which was my loan with RBS and 3 current accounts with overdrafts. RBS bulked it all…
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Kerobo Claim Company Advice
Hi Guys, been speaking to Kerobo Claims campnay as i feel i have a case with regards to a Tesco loan. After speaking Kerobo they say i have been mis sold my loan insurance and that they can get my loan written off if i let them deal with it. My loan was for £13,000 £15,800 with interest and insurance Taken out in april…
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Undated Credit Agreement
Hello I took out a bank loan a few years ago and I was just reviewing my paperwork yesterday (as I am almost paid up) and the credit agreement is not dated. The only part where the agreement is dated is the section 'For Bank Use Only'. The two sections where I had to sign and date have been left undated. Does this mean my…
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Unenforceable loans from Northern Rock?
Hi all, I was just wondering if anyone out there has had dealings with Northern Rock over suspected unenforceable loans. Are they as ackward as the rest of them? Has anyone had any success? Cheers in advance, Cruisecontrol1
