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Debt Cut Off Time
Just a quick question if you don't mind. Just been speaking to a friend of mine who had a loan many years ago from Lloyds TSB when she was about 18. she owed them £8500. She is now 28 years old. She just stopped paying them and has never been in touch. she has just received a letter out of the blue demanding the money and…
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HSBC Overdraft
Hello, I'm not sure if this is the right place to put this but I'm new...anyway, my HSBC overdraft fell into collection this summer since I went over the agreed limit. I said to them that as soon as my student loan went in there it would pay for the charges and bring me back to within my limit. It went in today however…
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Old Loans
Hello everyone. I have only just registered, so please forgive me if this question has already been asked 100 times!!!!! Is there a cut off date for companies to ask for a loan to be repaid? Out of the blue I have received a chaser from a debt company for an amount owed on a loan from 11 years ago (which I have completely…
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Time Scale For Loan Being Drawn Down??
Hi Everyone, Im new to this site and have been lurking in the past and decided to come and join as it seems a very helpful place. I have a question i hope some of you could help with. I have applied for a Consolidation Loan with RBS Collections to clear off my Overdraft of 2328 with them, they just advised me today that…
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How can i remove Default i was unaware of??
Hi, I have been studying these forums for a long time now and am going around in circles...... Way back in 21/11/2002 i took out an M&S personal loan for £4000 in MY name only. I was then deployed to Iraq in January 2003. Whilst away, i saved up money and agreed that my wife at the time we should pay off this debt in full.…
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Advice Please. Changed Direct Debit date and now have a charge for loss of interest
Hello. I have changed the Direct Debit date for my car loan from the 23rd of the month to the 30th to reflect when I get paid in my new job. Black horse have amended the date for my, but have charged £37 for "loss of interest". Can they do this?
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Loan versus credit card
All, I'm after a bit of advice/experience to help me decide how best to treat my credit card debt. I have just under £19k on an MBNA CC (Limit = £19.1). I'm paying approx £350 per month but not really scratching the surface of the debt as i'm on a whopping 20% APR. I can manage these payments ok but can't really go above…
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Warning co-operative bank
Be very careful if applying for credit with this company. I have an exceptionally high credit score on Experian and was recommended this bank as they advertise on the Experian webpage. I was declined a credit application and they refuse to give me a reason other than I did not meet their credit scoring requirements!! The…
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Bad Credit - FLM Help
Hi, I am in a bit of a pickle and need a loan asap, anything upto 5k. Trouble is I cant get one due to not being on the electrol roll and having too many searches. I did have a credit score just short of good but now it will have shot down I bet due to searches! Oh well. Anyways I came across FLM who said they could do it…
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Advice Please
I have a bank loan 3 years left on it roughly £6500 left at 7.9% but took PPI so the real APR will be higher. I also have just got a credit card with £2200 on it at 0% for 15 months. * roughly £360 a month, loan has PPI, credit card has not. Would I be better taking a new loan to cover both the loan and credit card at…
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Personal Loan from my bank
Hi all, new to this forum. I'm after some advise on a loan I'd like to get. Due to a prolonged period of umemployment a few years ago and overstretching myself on a mortgage I'm now in a position where I have £38k worth of credit card debt. Over the last couple of years I've managed to get all of this onto low balance…
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I need help, Welcome Finance are killing me!!
From the top; In 2006 december I got a flat with my girlfriend and had an agreement that i pay the first months and she do the second, however she quit work and left and I was forced to get a loan in January from Welcome finance as they were the only company who offered me. All I took out was 1500, to cover all my rent so…
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Loan insurance during Ill period
What happens about your loan when you phone up and tell them you need to use the ppi because you're currently only getting sick pay from work? I don't like the fact that my loans eating up all the money i'm getting so might use this option.
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Loan Company advise needed
This is a bit long winded so please bare with me. My Husband took out a loan with Lloyds TSB 2 years ago, I was present when this Loan was created and the repayments come out of our Joint Bank account. In August I was deleting a couple of obsolete Direct Debits on our Online Banking but I also accidental deleted the Loan…
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Voluntary Terminating Car Finance with: Welcome
Hi, does anyone know the address I need to post my Voluntary Termination for my Car Finance with Welcome Car Finance. I can't seem to find the address anywhere. Thanks
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will i get accepted for loan while on maternity leave?
currently i am paying around a £100 a month for my credit card min payment, monthly payment for a sofa with dfs and the monthly intrest amount on my overdraft. im wanting to get a loan for £2000 which would pay all these 3 things off in full as iv worked out the payment for the loan would also be around £100 a month and at…
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Upper age limit
Hi all Any advice would be much appreciated. My dad is 74, 75 in February, and finds himself in need of a loan. My mum is finally getting out of hospital after a year but in a wheelchair so he needs an adapted car. He owns his own home but will be putting it on the market once they are allocated an adapted council house. I…
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Help! Triton Services!!!!
Hi Everyone, So here's my story...I had a loan from Natwest and had to pay back £11K, i also had an overdraft of £500. I was late with a loan payment and ended up being charged, which led to me going over my overdraft, which meant more charges. In the end the charges = something stupid likee £300, obviously i was not happy…
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missed a c/c payment. affect on scoring?
I was wondering why I still had some money in my bank account but thought nothing of it really. When I got home yesterday I had a letter to say that I had failed to make a payment to my c/card and was being charged £12. I immediately paid some money off it but was going to apply for loan in the next couple of months. Will…
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Miss sold secure loan
I would just like to know if it is illegal to sell you a secure loan when you already have one i have 2 secure loans on my property is there anyway around getting rid of the latest one?
