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Partial full and final settlement on an early settlement?
Another quick question. In the next couple of months I'm going to be able to pay all my loans off, as I've ended up coming into a modest amount of money (not the lottery though, sadly). I can pay them all of early, in full, but I remember reading somewhere on here that it's possible to offer the lender a partial settlement…
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Credit scores and overdraft
Just saw a very interesting post on here from someone who - quite correctly - reminded someone else that having an overdraft is akin to having a credit facility, so impairs your credit rating/report. I'm just curious, because ever since graduating I have been overdrawn, but within my authorised overdraft, and I've never…
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Endeavour personal finance
I wonder if anyone can help me. I've been repaying a secured loan to Endeavour finance since 2007 but need to contact them to change my direct debit details. I've not had any contact with Endeavour since I started paying my loan back but I'm finding it a complete nightmare to get hold of them now. There are no contact…
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Car finance hire purchase
Hi This may seem like a silly question but I just wanted to clarify this please before I go ahead. I have been offered finance for a car at a rate of 3.99% pa. This is for 3 years and at the end of it, you own the car (so not the ones where you pay more for a new one/trade it in....). The car is worth £10k. So if I take…
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bank loans
can ne 1 tell me if its true that if my mam dies then ne loans she got with the bank i will end up bein responsible for
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pay day loan problem
My girlfriend had a payday loan from payday UK before she was made reduntant. She called them up today and informed them the situation and asked if it is possible for the to delay this month's payment to next month as she's found a job but is only going to start in December. They told her that they do not loan money to…
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Need a loan for a car but have a large overdraft!
Ive recently passed my driving test, i need a car for a new job. My overdraft is now -£750 is there any chance i could get a loan with that size overdraft or will that not matter??? I need help!!:eek:
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First Direct
Hi does anyone know if it's possible to reclaim PPI for loans taken out with First Direct? I'm new to this and this is my 1st posting so any help much appreciated! thanks
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Please help......what does a personal loan lender do with your tax return
I recently submitted my tax return to obtain a personal loan and would like to know what they can do with it considering it's a very senseative piece of information?
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Interest free credit not
I recently purchased new facia boards and guttering from a company called Virgo the sales rep filled in my order and i requested 1 year interest free credit to my surprise the bank is going to charged me £29 for early settlement I contacted them and said it was interest free but they told me that it was in the small print…
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Number of credit searches in a few days - how many is too much?
After a year of avoiding all credit searches (the ones that leave footprints) and maintaining all cc and loan payments I've finally arrived at a point where I'd like to apply for a loan and other cards. I just applied unsuccessfully for a loan, so that's 1 search down. How many searches is viable before I should stop and…
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Blue Fish Loans
Has anyone ever heard of blue fish loans?? they are based in essex. They charge no fees until you have received the loan and they are the direct lenders. I have searched for them on google and ask but they dont come up. They have a company registration number (Registered in England No: 4771931 and 557065) but this is for a…
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Credit report questions
Hi there guys, I'm trying to maximise my chances of being granted a remortgage in the new year so today ordered my credit report (free trial) from Equifax. Seems mostly in order but have a couple of questions.... Firstly under previous searches... xxx17/06/2009Outstanding DebtNorthern Rock (Club 24 Trace)…
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Asking Barclays for a payment break?
Im off sick with tonsilitis and my work doesnt pay full sickpay just the minimal statuatory, im worried as is last payday before christmas and i asked my bank if i could add 500 to my existing loan they said no. Ive never missed a payment and so am annoyed and been paying for over 3 and half years. If i now ask for a 2mth…
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Can I offer the bank a lower settlement fig?
Hi, I'm aware that when your in arrears some banks and finance companies will accept a lower lump sum figure in full and final settlement of a debt - but is this something that can be done when paying off a loan account that has been kept in good order? I have managed to save up £6500 which is a few hunderd pounds short of…
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Debt selling & CCA advice
Hi I've just registered but have been reading the posts for a while with interest. Background I'm in a similar boat to many on this forum with a number of debts in default. I originally contacted cccs as repayments were too much and I simply wanted to reduce these to a more manageable amount. Hopefully also someone to deal…
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Cheapest lease purchase deal?
All, I have started up a Ltd company and I need a vehicle for the business. I have access to an 11% discount with Toyota and they have sent me a lease purchase finance deal with an APR of 10.6%. I plan to buy the vehicle through my company and it will be the company that will be making the monthly repayments. There are 36…
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payday loan
Also does anyone know of a decent pay day lender...
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loand money to bf now broken up
Hi About a month ago i leant my by £200 for car repairs. He siad he would give it back, and now i think he is going to try and avoid this because we broke up recently. The repairs were paid on my bank card, so would this be evidence to prove it was my money if i had to take it to a small claims court? Thanks in advance...
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Help
I have jst completed and sent away my letter to begin reclaiming bank charges. Does anyone know if it is possible to reclaim late payment fees from a loan lender if they are a loan company rather than a bank?
