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any good experiences?
I seem to be reading alot about peoples bad experiences whent trying to apply for a loan when you have poor credit. Has anyone not had any problems?
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Loan applications
Good afternoon, I've been declined several times after making loan applications online but was intending to persevere with more applications in the hope that I might stumble across an institution with looser criteria. However, I’ve recently been told that the mere act of applying and being refused in itself will count as a…
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Zopa
Hi all, I am looking to get a loan for a car for around £3,000 over 3 years - all of the comparison websites are bringing up Zopa as having the cheapest interest rate but has anyone actually used them? Are they actually reputable and reliable? I have tried to look up some reviews surrounding the reliability of the company…
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Clearing off loans mortgages and credit cards?
hi everyone i was just wondering if anyone had wiped off or reduced their credit cards, store cards loans or mortgages through it being unenforcable? how long did it take and how much did it cost? I am aware its possible to be completed in 4 months!
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Loans into Mortgage?
I have a £20k home improvement loan which is two and half years through a five year term, this has a current settlement figure of £10200 and costs £388 per month at 6.8%. I retire in 4 years time and I will get a lump sum, enough to pay off my mortgage. I am due to re-mortgage now so my query is, should I put the…
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Loan Transfer to lower %APR
Hi, I currently have and unsecured loan with the LLoyds TSB who i have my current account with, the loan is £11,000 over 7 years at £258/pm the rate is 24% which i think is very high. My question is should i look at transferring the loan to another with a lower APR, if so which one, my credit rating is good with Experian ?…
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Comet Buy Now Pay 6 Month Later Agreement
The main question i need to know the answer to is - If you purchase something on a buy now pay in 6 months agreement, should the balance be showing on the account and what you have purchased etc even though it is not yet due or does it all of a sudden show up on the account on the day it is due? Explanation below.... I…
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ING, False Invoice as part exchange on Agreement
I took out an agreement with ING in 2006 for the purchase of a car that would finish in 2010. I looked at the agreement to see when it would actually terminate, and noted the part where a part exchange had been entered into the agreement "£950" I was told by the seller (not ING) this was the paper work procedure to avoid a…
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Loan from Bank of Mum and Dad
Hi I'm hoping someone can help. My mum and dad have recently retired and have a sizeable lump sum in various accounts, but only earning around 3.5% - 4.5% maximum. We (hubby and I) have a number of outstanding debts on a credit card, personal loan and small overdrafts amounting to just under £4000. My mum has suggested…
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Agent Harrassment?
I was a bit wary of posting this because I don't know if the person in question comes onto MSE so I shall keep identifying details out of this. Since I split from my husband, I have taken on paying for a joint debt with a doorstep loan company. Due to messups by the benefits agencies I got into arrears. The agent in…
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charge for phone calls about a loan???
i have a loan with very (well catalogue account) and they sent my 1st bill while i was on holiday and the payment was due 2 days after the bill was sent so surprisingly enough the payment was not with them in time. I had to wait til i had been home a week til payday so could try to settle my bill - payment was overdue by 2…
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Defaulting??????
moved.....
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Loan account closure - query
Hi, When you pay off an account like say a loan what benefit - if any; does it give your credit file as I would assume it does something favourable. Also when the loan has been paid off by way of a settlement; what does it mean when the company says that the credit file will be updated with a flag as partial settlement -…
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Voluntary termination of a PCP
Does anyone know if a HP company can enforce an excess mileage clause on a PCP if it is terminated under the half HP price rule (Hire purchase act 1974)?
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Voluntary Terminate a HP agreement
Hello just wondering if anyone can help I have a Hp agrrement for £12900 and am paying £199 a month for 5 years. I started paying this in march 2006. On the agreemenet it states i can hand the car back after i have paid back £6450 aslong as it in a good state apart from wear and tear. So if my calucutaltions are right car…
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Egg Loan Help Needed Please!
Evening All. My OH and I need some help with a problem he's having with Egg, I'll try keep it brief! Approx Oct 06, OH was made aware that joint account from his ex wife was 2k+ overdrawn.....OH not aware account still open, as should have been closed when divorced. OH was trying to get mortgage, but couldn't due to…
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Voluntary Termination of a Hire Purchase Agreement - Now Default on Credit File
Hi, I purchased a car in April 2007, 4 year deal. In August, 2009, I read the T's and c's of my agreement, and decided that the best thing I could do would be to voluntary terminate the agreement under section 99 of the Consumer credit act 1974. I had made half the payments so far, on time, so I, according to the law had…
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Loans and CCJ
Hello all, I posted recentley about recieving a CCJ without my knowledge from an old work place. I'm still trying to appeal this but have come to accept that despite this, the likelihood of being successful with this is slim... I have a really good credit report (other than ccj), no debt (over than the ccj) and have…
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Endeavour personal finanace !!!!!
Hi ,dont know whether anyone can help me we have had a loan with endeavour personal finance for 3 years for and still have another 12 years to go ,took it out for 26500 plus ppi for 3578 so total is 30077 for 180 mths at the rate of 10.9% apr ,i wanted to check it i can claim the unenforceable of the loan . at the start of…
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Help needed - looking to take out a loan but pay off early
[FONT="]looking to take out a loan to buy a car - after looking around the best deal/rate seems to be Sainsbury's. I am looking to borrow 15,000 but will be looking to pay off in 1 year/12 payments. Thee figures i have been quoted are: 15,000 loan - 7.8%APR monthly payments of £233 total payment after 7 years 19,572…
