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Which banks can offer me overdraft?
Which banks can give me overdraft? When i became a NEW customer to ABBEY,they gave me 300 overdrafts at first day. I am a customer to newwest,hsbc and they didnt give me overdraft at first day. The guestion is: which bank can give me overdrafts when i become a new customer like it was witj abbey?
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SLC Overpayment Advice needed please
Ok I'm in a bit of a mess and I was wondering if anybody could give me any advice at all? Situation is I started University last year and then dropped out about a month or so later for personal reasons. Then in January I had a bill come through from my University for my tuition fees, I hadn't yet applied for Student…
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Payday Loan - Credit rating
Hi Was wondering if anyone can help on this. I had a payday loan with no credit check which was passed to a debt collector and i have recently received a letter offering a settlement figure. Does this being passed to a 3rd party collector affect my credit rating? Thanks Cheqmate06
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early repayment interest!
Hi i'm sorry if this question has been posted elsewhere. I took out a loan two years ago with HSBC for 5,000 but needed to increase this loan to do some home improvements in january. When i went to the bank for 7,000 they said fine they would role it all into one single loan, but to do this would have to pay off the first…
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Claim Management UK?
I've been contacted by the title company (whose website is all the w's consumerclaim co uk (new user - not allowed links)) who tell me that I can have several credit card and loan debts made unenforceable as they were started before 2007. This seems a bit far fetched to my mind, and couple that with a fee of 11% of the…
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Can anyone help, voluntary returning a car and your credit score??
Hi can anyone help, hope I've posted this ok im a newbie, apologies if not. We have just return our car after paying more than the said amount in the terms and conditions, after a bit of messing about and Carlyle Finance saying our letter had been lost etc, we recieved a letter saying we owed £0.00 and after a RAC…
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Loan help please
Hi Happy Helpers, this is my first post and any help would be greatfully received. I currently have 2 loans, one which is in my name and one which is in my mothers name. The one in my name is for £3k at a rate of 29% (£103.78/month) and the one in my mothers name is £12k at a rate of 10.4% (£240/month). Both loans have 4…
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Missing loan repayments
Hi, I have 2 loans, one with Alliance and Leicester and a career development loan with the Co-op. The repayments add up to a few hundred pounds and I'm having some cash flow issues at the moment! The direct debits are supposed to be paid in the next few days, however I was wondering what would happen if I canceled the…
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Credit Expert
Hi, I want to buy a product and pay for it on finance, but on my credit report it says "Amount of available credit (excluding mortgages)...........................................£577 " is that how much i can borrow or what does it mean? Thanks
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Claiming unfair loan charges
Hi, I sent a SAR to an old loan company and am about to claim for the charges on the account. They are as follows but I was wondering which ones I could claim back. 1 UNPAID DD FEE 06/01/2005 £30.00 1744 £11.51 2 MISSING INSTALMENT FEE 22/04/2005 £30.00 1638 £10.81 3 UNPAID DD FEE 22/04/2005 £30.00 1638 £10.81 4 UNPAID DD…
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interest free loan
where can i get interest free loan
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Emigrating I have Loans with HSBC and HFC
I am emigrating to Canada. I have a large HSBC loan and a small HFC bank loan. The HFC loan was for a cooker bought from currys. I was planning on selling the cooker and using the money to pay off HFC. Can I do this? I'm not sure if its classed as a hire purchase agreement or just an unsecured loan. Also with the HSBC loan…
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Can they do this? ...
Hi all; Earlier this year my business failed and i was forced into Bankruptcy, this co-incided with my partner giving birth to our first mini dingo (wahoo!) meaning that her income fell by around two thirds almost instantly. Our household income has now fallen from around £4500 per month to about £400ish. Our Mortgage…
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Taking a 'friend' to court for a small claim - advice please
In mid 2007 I lent a friend £2000 towards a flat deposit, first months rent and some incidental living costs (they were moving away to a new town and needed to be in a new place before their new job started, hence this should have been a bridging loan). As you do (stupidly) with friends, trust is implied and verbal…
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Are Northern Rock screwing me?
Hi folks I have a loan with Northern Rock that I am plowing a lot of extra money into. Today I have been given a settlement figure that seems to be way over what it should be and I can not make out why. Speaking to a manager at Northern Rock he told me that my loan had been front loaded with interest when I took it out. I…
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unsecured bad credit loans/ wentworth finance / flm
Hi all Thought I would post my recent experience on here in the hope that it may help and inform some of you. In my current situation I have got my self into a mess with 3 payday loans and a small outstanding e-on debt. This doesnt amount to much debt probably about 2k, but have found myself in a constant robbing peter to…
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Lloyds Loan "insurance"
Hi there, I took out a loan with Lloyds last October, I received a statement through yesterday that has £855 Protection insurance on.. I've called them up as I have no idea what it is and I know that I was never told about any insurance and even if I was I would never had agreed to it as I never do.. I called them this…
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Triton Credit Service's --- HELP!!! ---
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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Alternative source of credit
Hi can anyone please help me! A very good friend of mine lent me some money (£2.5K) cos I was in a desperate situation at the time. I've been meaning to pay him back - 13 months now - with my work bonus but this hasn't materialised as you can imagine cos of the downturn. My company have promised me in writing, a guaranteed…
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Mainstream bank loans
Just wondering; has anyone, with bad credit, ever had any success with obtaining a loan from their own bank?
