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Northern Rock settlement figure - 2nd try
Evening folks 2nd try on this as my first attempt seems to have been doomed. Last week I asked Northern Rock for a settlement figure on my loan. The figure that they gave me seems to be around £200.00 higher than where I think it is. For over a year now I have been using a loan calculator which allows you to add in extra…
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Loan - credit score
HI I am trying to get an unsecure loan for 10k. I have tried, A&L, Co-op, Tesco, Norwich & Peterborough, my personal loans, and have been turned down by all of them. When i get refused the emails are standard, and they say: Thank you for your recent application for a Personal Loan. Unfortunately, after careful…
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Miss sold loan
In 2007 I purchased a car, funding it with what I thought was a PCP, but have since found out that it was fixed sum loan, with a balloon at the end. When purchasing I clearly stated that I wanted a PCP, and the product was sold to me as a PCP. I have no right to hand the car back, I can't part ex it, as I owe more than it…
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Single or Joint Application
Hi Everyone, I am currently looking at a number of options to buy a business I have been doing Due Dilliegence on for a few weeks now. The business plan is great and the business is capable of giving us a good living. Unfortunately the banks are looking for 100% security for the commerical loan even using the EFG Scheme.…
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online loan application
Hi all I recently applied online to alliance and liecster for a loan, they emailed aknowlegement stating they would let me know their decision, the next morning I was contacted by a company called "YES3" I thought I was talking to A&l they went throught all the questions and approved the loan, only when I got the paperwork…
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Car Loan (PCP) Query - HELP PLEASE!
Hello all, I'm 19 months into a 36 month PCP credit agreement and need to get rid of this loan in order to get a mortgage with a decent rate. I pay £340 per month on this loan so it'll make a big difference applying for a mortgage without it. I've checked the paperwork and can cancel the agreement and hand back the car…
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Getting loan after recent mortgage
Hi there I bought my first place this summer and am on 85% LTV mortgage rate. I want to buy a car and applied for a £5k loan but was refused. I have a completely clean credit rating and never had a late or missed payment. Is there something which says you can't apply for further credit so soon after getting a mortgage? If…
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Saving and paying instead of overpaying on Natwest loan?
I've got a Natwest loan with around 18k outstanding. I'm paying 388 a month, and around a little under half that is interest. I'm wanting to know if I can overpay a standard unsecured Natwest loan, and also whether it's even worth it. The alternative is to save the money in a savings account, then pay off the loan when the…
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dying with a loan
I'm looking for advice regarding someone dying with a car loan. A relative has just passed away with a car loan (solely in her name). The loan is for 60 months and has been live for 21 months. The loan has an outstanding balance of c.£4000 and the car is worth £2800. Does her husband have to pay the difference or can he…
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Clueless, help welcome
A friend today told me the following but I'm completely at a loss as to how to advise her. Basically, in 1992 she took out a £500 loan and paid regularly. She moved house and let the loan company know. During this period the loan company went bust. She moved house again and was contacted by TBI Financial Services a couple…
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Excellent Credit Rating but declined CC and Loan
I have a score of 969, never missed one payment, etc near perfect credit rating. I have about 4k left on bike finance and £220 left on finance from my girlfriends 21st bday presnt. My only other out going is my phone bill, £35 a month. I have no other out goings at all bar £20 a week on fuel for work (still at home, no…
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Help! RBS are killing my credit score with their errors. I need to resolve this quick
Hello all and firstly, thanks for reading my post. Here we go straight into the details of what I am tackling. In April this year I contacted RBS (loans) as I had changed my bank account details. I gave them my new bank details. I was then contacted in August by them to say no payments had been collected over the last 4…
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Credit rating update regularity
Hi, Does anyone know how often the credit referencing agencies update their records? I'm just wandering because I'd like to apply for a loan next month. This month I intend to pay off a small but persistent credit card debt. So, when I apply for the loan next month and state that my credit card is at zero balance, will…
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How much will this loan cost me?
I need to get get my hands on some cash fast and have a letter from halifax saying I have a guaranteed loan of £7k available at a rate of 21.3 APR, I could have the cash in 24 hours apparently. I usually would just shred this but as it happens I am quite keen to take them up on this offer but only as a temporary solution.…
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Debt Management
I got into trouble just over 5 years ago when i borrowed some money for someone else - I went to Baines & Ernst but they were charging me £100 per month - so i decided to use the £100 i was paying them to get my debt down - i still owe around 20k after all this time is there anything i can do ? If i'd stayed with B&E my…
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Loan account closed, but payment not taken from my account
I recently paid my loan off early, with a cheque written by my husband from his account. But...my husband had a missed call from his bank and on returning the call was told that they hadn't cleared the cheque due them not being able to confirm with him that the cheque was not fraudulent (he doesn't normally write cheques…
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has any one heard of kds
hi has anyone heard of kds finance home loan /doorstep company? friend having terrible trouble with them. any comments appreciated
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PPI - Cancelled but wrong amount paid to me
Hi all, i hope someone can help. Having recently cancelled my PPI on a personal loan, the company i pay this to seems to want to only pay me a small amount back. Over the duration of my loan i have been paying, as per my paperwork, £26.62 per month that is automatically added to my monthly loan amount. This equates to…
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Lent ex money
I lent my (now) ex money back in December, as he had to pay outstanding rent to avoid being evicted. We had a signed agreement stating the amount and that it was being lent. He has repeatedly told me he has paid into my account, yet it never arrives and after speaking to the bank, no chance that he has had wrong account…
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car finance with carcraft
My Wife and I got a car from car craft which was on hire purchased. We then went back to car craft and upgraded our car on January 2007. When we got there they told us that we had trouble getting credit due to still having money to pay on the other car so they gave us credit with open & direct which are now called creation…
