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ASDA Finance
Good evening, My husband and I completed a trustdeed in 2005.We have since been able to get 1 credit card each (capital one paid off in full each month-although limit recently increased to£2500 without asking) and OH has another one (£3500 limit,current balance £2500 minimum payment.We also have a £850 overdraft which is…
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how to close marshal ward account?
Hi how to close marshal ward flexible account account? cant find in terms just want to clear my expedia file as I am no use marshal ward more thanks
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overdraft increase advice
hi i wonder if anyone could advise me? i applied online with natwest to increase my overdraft, it came up with a page that said it would be applied within 48 hours. does this mean it has been approved? sorry if i sound a bit dumb! does anyone have any experience of increasing overdrafts online and how quick it was with…
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Payday loan problems
Hi, I have bad credit and so started taking out payday loans last year. Now it is becomming unmanageable. I want to write to my creditors and make a credit agreement however I am worried about a number of things in their terms and conditions. Some say they will charge £50+ for defaults, some will charge £10-15 for each…
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loan query
I have some small debts that I wish to consolidate into one. I also have 2/3 purchases that I do need. Now the loan amount required is not that high. It would be about 5-6k which would include my car HP, my only credit card and clearing the balance on my pc as well as purchasing new settees. All the loans I look at give a…
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secured loan porting over
i have a secured loan with endeavour personal finance and 3 years ago we moved and ported it over with no problems. now we are moving again and after speaking to endeavour again they now say they that i cant port it because they have stopped lending. im not wantin to borrow anymore just literally change the address with…
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Help needed is this a con?
My stepson has recently recieved two letters from Aktiv Kapital stating he owes £10,000 . It says the original creditor was HSBC last year. He has never taken out loan for that amount with any bank etc. Is this likely to be a case of fraud or this company just trying their luck? On their website it states that they buy…
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Call from company claiming loans can be cancelled
I'm just curious about this - I'm not going to use it. We had a call from a company that say they know of a loop-hole that allows us to challenge the terms of any loan before 2007. I suspect this is something that is reasonably well known to MSE'ers. They want to send someone round. They charge £295 or £495 depending on…
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Bad Credit - Pay Day Loan
Hi There, I am new here :) Right I will be honest I am currently in some debt (around £10,000) after taking out multiple credit cards/loan over the last couple of years. I am currently unemployed and have been for a couple of years as a job hasn't come up that I am happy with. Now with Christmas around the corner I wanted…
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Northern Rock
Hi Everybody, I have a loan with NR which is £158.60 a month and is due on the 26th of each month. I used to get paid on the 25th but changed jobs recently and now get paid on the last working day of the month. I carried on paying the payments on the 26th but in the last couple of months have not had any money left so I…
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Welcome Finance harassment
I've got a loan with them that I stupidly took out at a rate of nearly 45%, my own fault I know. I've had this loan since May 2006 and have been paying it off at £155.82 per month. I've missed 3 payments which again is my own fault. I've paid this months payment on a debit card because I didn't have enough money in the…
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In Branch or on Phone??
On smallish unsecured loan amounts (3k), will going into my banks branch offer me any increased liklihood of acceptance rather than applying over the phone, internet etc etc? I've had a loan with them before for 6.5k which I paid off early about a month ago, but was thinking of getting a new car and trading mine in before…
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Legal 2356% loan rate on TV
Advert on ITV – short term loans, at the bottom of the screen was the APR of 2356% see quickquid.co.uk for full details. This is presumably legal as long as they mention the APR. In the same vein my son got a letter from Provident offering a loan at 272.2% APR which again must be legal. He also had a flyer pushed through…
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Monthly repayments for insurance
I would greatly appreciate any advice on the following.... I have arranged motor insurance through a broker who has, in turn, offered a monthly payment scheme for the premium. This scheme is operated by a regulated lender who is also a member of the FLA. I have received a copy of the Credit Agreement to sign and return.…
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Paying off my debts
Hi I am £9500 in debt with a mixture of 2 loans, a credit card and overdraft. I am about to inherit enough to pay these off fortunately as they were far higher and i have struggled for two years paying them off. Does anyone have any advice when it comes to settling them. Is there any way i can have them reduced if i am…
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Help finding a loan?
hiya! Im in desparate need for some money for next month as we are seriously skint! Iam looking for a loan for £3000, cant afford any more than £50-£60 per month. Not really bothered about the term at the moment as we're not in a situation to be picky! My credit is reasonable..had a loan with nationwide before but they…
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AA should stick to mending cars!
I took out a AA loan 3 years ago for £6000 paying back £102 PM over 72 months. I am now at the 1/2 way mark and want to pay it all of as it's the last of my debt in the world. The cheeky B******s have offered me a deal that saves me £397.00 off the total payable of £7619 for paying 3 years early! So at the 1/2 way mark…
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In Debt ref Credit Cards, best way out.
My wife who is in a decent job has got into a 11,000 pound hole ref two credit cards. I also have a decent job and alone should have a excellent credit history, my wife has not. How do i help her get out of this situation. I am considering applying for such as the A&l 8% Loan, is this my best option if successful or is…
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British Gas Loan - Help needed
Hi, help please. I took out a British Gas loan and I'm trying to find out how much is left on it. I've contacted British Gas but they won't help! They say they don't offer it. I googled it and they used to but they don't anymore. I'm still left with this loan and I don't even know if it's expired or not. I don't know who…
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Contract spelling mistakes
IS a loan contract legal if they spelt the surname wrong, were told about it and refused to change it as it would affect the credit rating. So basically pressurised us into signing it as it was. thanks
