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Welcome Finance
Just need advice. Had loan with Welcome finance of £2500 over 36 months at 51.3%apr and pd each payment on time etc. The last payment was made in october this year. 3 Weeks ago started getting constant calls from their collections department. I eventually answered and spoke to someone that said I was in arrears of £340.77.…
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Zopa?
There's a loan site called zopa.co.uk it looks very good, it basically people lending to people, instead of bansk lending. This means you get a good return on lending money, much more than you'd get with any bank, and if you're borrowing money you get a better interest rate than the banks would give. Anyone tried it? I'm…
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advice please
Carole has bought a new mini on finance from the local BMW dealership. All was good car been parked on the drive now for 2 weeks. The finance company have wrote back to Carole saying thanks very much for your business etc etc....and here is a copy of what you signed for your own records. All no problem, but when looking at…
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In England only a year - where can I get a loan???
Hi everyone, I've searched the internet and am having such issues with finding a lender/bank that will lend to me. I moved to England from Ireland 1 year ago. Because I had no credit history here I have a low credit rating. My car is about to die and I need a loan urgently to replace it. I have talked to some money lenders…
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Loands
I own my home outright I am 33 years old the house is worth approximately £260,000 I have tried everywhere to get a loan but have had 7 previous ccjs and am repaying back 4 loans. The loan is to pay off all existing debt, I need £25,000. I have been told to re-mortgage but am unable to get a secured loan as there is no…
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Updating my credit file?
Hi everyone. Some advice please! I have been carring nearly £40K in debt for the last three years and finally this year, through a combination of hard work and a lot of good luck, I've cut in in half. The means to achieving this came through a small business start up that has really worked well (on a small scale…
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Advice needed - Overdraft or Loan?
Hi, I'm having to spen £1500 on home improvments (essential). I have a £3000 overdraft of which I have only ever used £500. I live within my means - my overdraft has only been used on one occassion (I have no idea why the bank gave the damn thing in the first place!). I spend what I earn but don't have any other loans or…
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ICS Learn - Course Fee Loan
Can anyone tell me if ICS Learn hold a credit license? They offered me some courses and offered to allow me to pay by installments. They took my direct debit details over the phone, but as far as I am aware, I never entered into a credit agreement or contract of sale with them. They never ran a credit check on me nor did…
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joint loan advice
hi i am loking for advice regarding a joint loan that i went on with my partner in aug 07, i have been trying to get off it as i did not understand the full implications at the time of signing the contract. the loan amount was 20k, he was refused it on his own and the bank told him to find some one to go on it with him and…
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Bank Manager approves but now a problem
My fiance went into Natwest at the weekend to discuss a loan and did all paperwork for a loan!! Computer said no but the rep in bank could not understand and spoke to branch manager who said the loan was approved pending a few bits of proof papework which she took in today however now been told there is a problem so now…
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what happens to my bank loan now????
anyone following my old threads will know i am paying back a bank loan to lloyds (when its finally sorted on whom im meant to be actually paying as also get letters from collection agencies) ...........very long story but it was found to be unfair lending and the bank let me pay back £5 a month and they reduced the amount…
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Some advice needed please
Hi all, I took out a loan back in 2002 for about £6000 with Cahoot. I was paying it and all was well until I lost my job. I claimed on my payment protection for loss of job and after some back and forth was told it was all sorted. All was well for about 6 months until I moved to Scotland, I threw away all correspondance…
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Completely Conned and feeling rubbish
I've never posted on here before but I feel so crap at the moment I need to get it off my chest and hopefully help somebody else too. I'm getting married soon and our finances have been struck hard. As I have quite a bad credit history from when I was younger, I applied to a loan brokers to help me find a loan. I gave them…
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what are the best loans / options for us ...
1 - 1 person who has a car loan of 16% APR for £5000 car loan. I think a 0% card would be best until the car is sold as she wants to sell it. would she have credit recognition as she is quite young at 20 with no mortgage yet. 2 - He needs to borrow £20 000 as needs to pay back some debts. he has a few issues with the bank…
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Best Value, Low APR Loan??
Hi guys/girls, Within the marketplace, which companies offer the best value for a loan of approx £20,000? I presume it will have to be a secured one which is fine, but who is offering the best value? Thanks very much in advance. :j
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Loan Direct Debit Advice
Hi, there. I'm just looking for advice on whether my bank can take my monthly payment out of my account if i have cancelled the direct debit. eg, i am with Barclays and have a Barclay loan which i cannot afford to pay if i cancel the direct debit can they still take the payment out without my say so as they are both…
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Calls from loan companies and underwriters
PLEASE HELP.. i made an application for a loan online last month and thought it was for HFC bank, it seems it was not and since then i keep getting emails, texts and phone calls asking if i 'would like a loan as i am in debt' i am not in debt and was requesting a loan for home improvements. i would like this to stop so is…
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Anyone tried getting a Tesco loan?
I've currently got £18000 sitting on a Natwest loan at 13.9% what I want to do, is get this down to £15,000 then transfer this over to a Tesco loan at 8%, I'll also increase my monthly payments from 380 to 470 per month, I figure I should save well over £1000 in interest by the time I settle the loan. I aim to keep £1000…
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Secured Loan Question
I took out a secured loan against my property, and when the Bank of England Interest rates went up, so did my monthly payment for my secured loan. However, when the Bank of England interest rates went back down, my monthly payment stayed at what it was. Just wondering if anyone can give me any advice on this. Regards Paul
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Urgent Advice needed
Hi hope someone can help me. I am not sure if this is the right thread, but I have been checking to seee if we have a legal one and unfortunately we dont. Anyway I recieved a county ccourt claim for x amount of money. However I have now until this friday to respond 1) by accpeting 2)by accepting some 3)not accepting The…
