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I think I've just been scammed :(
I don't know if this is in the right bit but I think I may have been scammed by the credit people. I applied for a loan with them last week and they promised to have the money in my account by today (monday), needless to say it hasn't appeared and I've just read some testimonials on the forum. I'm a bit worried now as the…
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Loan APR
Looking for some advice for a friend on their loan please. My friend currently has a loan with RBS and is paying around £30 interest a month (the APR is 24%). He took out a loan a few years back and has twice renewed the loan. So taking out a new loan for slightly more than what is outstanding, leaving him with a little…
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Loan charges
Has anyone tried claiming back monthly fees for late payment on a car loan? I pay a reduced amount each month through Consumer Credit Counselling Service. Have been doing this for last 3 years. Blackhorse were charging monthly late payment fees of about £30. They agreed to stop charging interest and fees from Jan 2009 but…
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natwest loan
My natwest insurance is currently paying my natwest loan. They recently wrote to say that they had paid 12 months insurance and would be paying no more.(Thats strange cos not even been unemployed for 12 months yet) By my calculations they have only paid 11 months. I rang up the natwest people and they said yes they have…
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Bank arresting salary dilemma ?
Received a letter from TRITON credit services on behalf of RBS; the majority of my debt is with RBS informing me that if I dont stump up, solicitors may commence 'Attachment of Earnings / Wage Arrestment proceedings', I took advice from CCCS a few months ago and opened a basic account with another Bank and imported my…
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Skills Train Loan
Hi all and thanks to anyone taking the time to read this post. My situation. In June 08 I signed up for a Skills Train course in web design, financed through Skills Train with Barclays. In my eyes I was missold the course as I was told (verbally) that the course was web based, so I imagined it to be interactive and learned…
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Is it benificial to over pay on fixed term loans?
Apart from being free of it sooner is there actualy any benifit or savings to make if we were to over pay on our fixed monthly payment on a loan? Thanks
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Help. Credit and debit card debts
Hi everyone I have recently just joined but have been a reading for ages. My dilema is as follows. I recently bought a brand new ford fiesta using the ford 2 years options plan. I am paying about £230 a month and will have to pay £6000 after 2 years to keep the car. At the time i was living with my parents but…
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Welcome Finance Advice
Hi everyone. Im sorry if this has been posted before I did have a quick look but couldnt find anything. Basically I took out a Welcome finance loan about 2 years ago for £1900, I did start paying the monthly repayments of £150 per month, but then lost my job and was unable to keep up with them. I did try and reason with…
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RBS not letting me pay loans!!!!!!!!!!!!!!
my wife who i have been seperated from for nearly three years has recently made her self insolvent,as we have bank loans in joint names the bank is chasing me for the money,for the last four months i have been in and out of my local branch trying to make arrangements to make payments on the loan that my wife was paying…
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Are Credit Searches Unfair
Ok hear me out on this one, I have a major gripe withthe way credit reference agencies make their score. Everytime you make a search on your credit file you lose points right? then once you hit 5 searches within a set time period you get refused pretty much for everything wether you have taken credit on the previous…
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Electoral Roll
Hi there just joined up. :) I've been in the process of getting a loan, but have been turned down by Santander then Zopa (thankfully they don't show on your credit profile). I thought I'd have been able to get money pretty easy, but that seems to be the least of my issues. Because I was declined I decided to check my…
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First time Property buyer - On Ancestral Visa
Hello, My wife an i are living in London on an acestral visa. We have recently just extended our visas for another 5 years (now in our 5th year living here in the UK) with the intention to apply for ILR (Indefinite Leave to Remain) when we qualify in the next several months. We have recently come into an inheritance…
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PPI refunded - is loan unenforcable ?
This is the simplified version................... I took out a loan I could only have the loan if I agreed to PPI I became unemployed I made a claim PPI providers refused to pay BOTH loan providers and PPI providers refused to give me with ANY reason as to why my claim was refused My loan provider contacted me regarding…
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Refinancing...
Hi All, I took out a loan in July with Halifax in order to buy myself a much needed new car - my current one on it's last legs and after my older sister passed her driving test, we would have to share it (really wouldn't work). At the time I had only been in my current job for 2 1/2 months, and my credit rating was a tad…
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Car HP
Hi, We bought a car on HP 2.5 yrs ago, it is a 2004 Vauxhall Vectra. It was a 3yr agreement with three options after the 3yrs, a) to pay the balance +/-£2500, b) to hand back the keys after the 3yrs, or c) refinance it. We have just received a letter to say that the options have now changed and on the 1st March we have to…
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Equity release too expensive and inflexible,
I am looking to release £40/£50k from my property worth £160k, I am 70, wife is 66, this precludes a remortgage or a secured loan. I want the option to pay the interest and repay the capital without costly redemption charges (Pru quote up to 25% for early repayment), I would have no difficulty paying up to about 7% and…
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Borrowing on Zopa
Hi guys, I am just curious what the process is with borrowing on Zopa. My dad has applied for a £5k loan on there - his credit score level was "A" and has been pre approved. It is now being reviewed by the underwriters and he wants to know what is next - are there forms to fill out, what kind of additional questions will…
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Help - Problem Loans
Hi - Im a brand new member, only signed up today. I have fallen behind with two loans with a certain (unfriendly unreasonable) bank. At the time I was in a very bad situation with priority debts and loans. I have managed to turn a corner and start paying back what I owe and I decided to concentrate on the priority debts…
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Cancelling payment protection insurance..
Took out a LloydsTSB loan 15 months ago. I queried the ppi but was told I could cancel at any time so accepted it. I'm taking a pay cut in January so have tried to cancel it but i'm not happy with proceedings. I've been given conflicting information and being told it's recalculated in ways i'm not happy with. Roughly…
