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LTSB loan - help.
I sent a letter to Lloyds TSB on 22nd May 09 advising them that my PPi on my loan has been miss-sold. They replied letter dated 7th June to say they will investigate the concerns I raised but it may take a little time and they would do their best to complete their enquieries as soon as they could and they could then…
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Business Loan
Hi People. I am applying for a business loan for £25,000 to help expand a mobile bar business. What kind of turnover would a bank look for over the first 3 years for a loan of this amount? I know there are different kinds of repayment plans but I am just looking for a ball park figure. thanks in advance.
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Stretch it out?
I was wondering if anyone could offer me their thoughts? I have a loan of £12,000 left to pay. I pay £320 per month and I have around 5 years left to pay. I do manage to pay this each month but I do not have any 'spare' cash to call my own after bills etc and I know not a lot of people dont either. I have about 60 payments…
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Arrears notice for loan I'm not in arrears with?
Hi all, I just got an arrears notice from Black Horse finance for my car loan, all very official saying that it was being sent to me as I am in arrears with them, it then goes on to say that the total overdue is £0.00. They also included a nice little leaflet telling me what to do next. So I called them and asked them why…
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Barclays loan APR price match and beat rate by £1 per monthly payment
I dont think its widely advertised but Barclays have a price match on loan APR's. I had just been accepted for a 7.9% Tesco loan and rang my bank to increase my overdraft so i could pay for the car till the money came through. The lady put me through to the loan department who conducted their own application and informed…
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Help! My car has been repossessed by Bank Of Scotland
Im in desperate need of some advise. I purchased a vehicle on finance provided by Capital Bank (Bank Of Scotland) in Sept 07. The vehicle was £6500 and total amount repayable for finance was £8100 over 36 months. Almost immediately after purchasing the vehicle i had problems which the garage refused to fix. I decided to…
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Being chased for money THEY say I don't owe!
Title doesn't quite make sense right? Cut a long story short, about a year ago got into a little pickle with an unsecured loan, resulting in two months arrears. After a long (many months) battle with them to come to an arrangement to pay it off that I could stick to, they agreed to remove £110 worth of charges and allow me…
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Can they do this????
My partner and I agreed to buy 2 items (sofa/dining table+4 chairs) from a local retailer (Furniture Village) and pay for them using their 12-month interest-free finance option. A couple of days later we ordered another item (sideboard - a "Managers Special"), not part of the finance agreement, but the salesman said it…
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Loan for son age 18
My son has just turned 18 and was refused a loan with his bank. He was told to come back in 6 months and also to take new bank account with credit facilties. He has his own flat, full time job and pays his own bills. He is looking for a loan asap as he wants a car. Any advice please.
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Anyone help with Natwest Personal loan?
I was just looking online at my loan account and it seems my intrest was going down monthly and then I made a small overpayment and the intrest went back up? Does anybody know how the intrest is normally calculated? I checked with natwest that I could overpay, and they told me there were no penalties if I did this? I cant…
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confused about loan settlement.
My son got a £3000 loan from yorkshire bank in feb 2009.he was to pay it back at £23.54 per week for 5 years. He asked for a settlement figure today and they said it was £3028. He has missed no payment so I could not understand why he owes more than he had borrowed, so i looked through his loan agreement and found that…
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Cap Quest
Hi, I need a little bit of advice please :o I had a loan with HBOS (approx £5000) in which I defaulted on (numerous times). In the end I was sent a letter stating that if I paid £2440 (either in one or over 3 months) then the debt would be written off. They wanted this paid by May 30th. I contacted them stating that I…
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Best Lender for £2000 Loan?
Hi all I am looking to get a loan of £2000 to pay off over 12 months, the best rate I can seem to find is with the Post Office with a total repayable £2144. This seems great! Just wondered if anyone knew of anything better anywhere please? (You can never save enough! ;) )
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Will I save anything?
Hello I have a loan with AA personal finance. It started at £9500 and I pay £195.43 monthly which includes the monthly interest, plus I have just started to overpay when I can. The interest on this loan is 8.35%. The outstanding balance is £4500.04 and I have just been given a credit limit of £5000 on a 0% Virgin credit…
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THE MONEY SHOP - I Have taken a loan out with them - HELP!!
Hi Everyone, I work in Blackburn but live in Liverpool and need my car for essential commuting. I'm only a young graduate, with a pretty poor credit rating that is slowly but surely getting a little better but no way good enough for getting a loan or over draft etc form a bank. My old rust bucket of a car from my Uni days…
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Quick question RE how early repayment works, particularly Tesco/Saisnburys
Hi there I am about to apply for a loan from either Tesco or Sainsburys, at 8%, but don't fully understand the information provided about early repayment. :confused: For Sainsburys it says "You can repay your loan at any time during the repayment period. To do this you need to pay off the amount under this agreement, which…
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Help with begging letter...
I have been asked by my loan company (London Mortgage Company) to send them a letter to ask for reduced payments. However, I simply don't know what to write and what information I would need to supply them with. I was made redundant in April and have had just a few days of contract work since then, so basically my income…
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HFC Bank and Processing Payments
Hi All, A family member has, as of last Friday, paid the final debt in what was once a long line. My concern is that it may not have been paid quickly enough and I'm not at all sure a) what the repurcussions are if this is the case and b) if this is the right place to post the situation for advice. Guidance on one or both…
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Log Book Loans
Hi, I brought a vehicle from a private seller, the car was free from finance - got this confirmed by Log book loans. They received payment 5 wks prior by cliens boyfriend. So this gave me the green light to buy the car from the seller. 4 months down the line the car was taken away from me by LBL. The reasons behind this…
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Loan - Main form of income not a salary
Hi, I'm currently applying for a loan and just wondered if anyone else has had any luck with similar cirumstances. The majority of my income is from dividends paid by the limited company I own. My actual salary is set a very low rate. I've spoken to a couple of banks who have told me that I can only apply based on my…
