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Miscalculated Loan
Hi, I took out a graduate loan of £10,000 a few years back to be paid back over 60 months. The above appears on the credit agreement along with the amount of interest to pay is also stated and was 7.9%. The credit agreement then states that I'm to make 59 payments of 166.66 and a final payment of 167.06. Recently I…
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Loan Fraud
Hi, I wonder if anyone can help? If a loan company has given out a loan in your name, when it was actually fraud (only thing correct was my name and address) Then they start sending you letters saying i have not paid etc? (police are sorting it out by the way) Can i do anything against the loan company as i dont think they…
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Electoral Roll
I recently received a letter from my local council to say that I would be on the electoral roll as at February 1st. How long will it take to show up on my credit file? When I last checked my Experian score it was 792 (fair) . Would being on the roll push my score into the ' good ' category? I am waiting because I want to…
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quick question
Me and my DH have a joint bank account (HSBC we no longer use this though) Without me knowing my DH got a management loan out in 2008 and i was just wandering if this is normal to beable to do this without the joint person being notified or agreeing? I am unable to remove myself from the account due to the loan obviously…
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Bank Loan
Can anyone advise me on this. My Mum who is a pensioner at 76years of age took out a loan 3 years ago for £5,000.00 her only income is a state pension of £139.40 pw. Last year the Bank allowed her to up her loan to £7,000.00. My Mum now has sleepless nights worrying how she can afford £186.09 per month payment. Will she be…
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worst period of my life!
Hi, Over the past week or so I have been desperately looking for a loan of 3-4K from any lender I can. I have applied to sainsburys and alliance, Zopa and leicester but have been refused by all. I was happy when I got a loan approved from Quick Decision Loans, but after reading some of the posts on this forum, I guess its…
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Loan paid off - got statement - is it correct?
this is a long story but i will try make it brief.. in Aug05 my ex partner & I took out a secured loan against our house for total value of £35,900, Dec 05 my ex partner died very unexpectedly. I called the loan company - sent the death cert etc. I eventually sold the house & then had to pay off the entire loan in July06,…
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help bad loan
me and my husband took loan out with ge money in sep 2007 for 28,000 for home improvements.got a statement today and out of the £350per month paid to them they are taking £315-325 per month in interest.i asked for settlement figure and they want £38,000 when we have already paid them £10,000 to date any body any ideas:(
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Early settlement of a loan
Can I take out a personal loan of £14,000 (for home improvements) over a period of 10 years (to keep my monthly payments down) and within one year pay the outstanding loan balance off using the money I make from the sale of the house? I know that I'll incur the early settlement charge of two months interest but does anyone…
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MSE News: Beware loan email from 'Martin Lewis'
This is the discussion thread for the following MSE News Story: "Emails purporting to be sent by Martin Lewis saying you've been 'pre-approved' for a loan are doing the rounds and should be deleted ..." Read the full story: Beware loan email from 'Martin Lewis'
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Referral decision
Hi I applied to the co-operative bank for a unsecured loan and they said the decision had come back as a referral and they couldn't give me an answer for 3 days. I have seen my credit file and all my accounts are all paid up to date so I'm not sure why they couldn't get an instant decision. Could anyone tell me what a…
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a couple of applications, but so many calls!
Hello (newbie here!) I applied for a loan before Christmas. I did a couple of applications online. We have kind of put the whole thing on the back burner for a while because of personal problems but I have had so many calls from all sorts of different companies saying they have had my details passed on. I have fobbed most…
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Zopa lending
I am considering investing some money via Zopa. Any comments based on personal lending using this method would be gratefully received.
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Carcraft sold me an unvalid guarantee
Hi all...I'm new on here. But basically, I bought a car on finance from Carcraft in Feb 2009. Whilst getting bombarded by a sales rep, he told me that the car came with a full service history....when I signed the paperwork for the car the sales rep advised me of an optional guarantee called an NAC which covers the car for…
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Need to find a loan with bad credit/loan sharks
Ok, so this is my current situation. I was employed full time up until summertime 2009 and took the step to go self employed in September 2010. At the time I did not have enough cash (yes I know this was stupid!!) However my mum's boyfriend who has a very successful business of his own offered to loan me some money (2000…
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Car Finance (HP)
Hey, Im looking into buying my next car, I've been interested in buying a 2006 or 2007 Ford Focus zetec, I've come across one i like at £6995, The only real way i could afford this is via a hire purchase agreement, Im looking at putting down a £500 deposit, Then paying the sum off over 42 months, This comes to around £198…
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Volvo Black Horse & Voluntary Terminate?
I was hoping some one will be able to clarify some thing for me. I bought a new Volvo on an agreement that gives me the right to Voluntary Terminate once I have paid 50%. The guaranteed future value was based on specific annual mileage. My question is this, if I exercise my right to VT the agreement once I have paid the…
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Hardship Agreement with Bank
I am on ESA, unable to work due to a long term illness. I get a small amount in benefits each month and most of my rent paid for me. I have a loan with my bank, its standing at 13k at the mo, £325 per month. Last year when I became ill the bank brought payments down to 150 per month but then we re-looked at my outgoings…
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HSBC Loan advice
Hi all, Please help with some advice on a loan i took out. march 2009 i took out 9.5k from hsbc @ 8.9% (graduate apr). Been paying it every month and now feel like a top of of about 2k would be nice to have about. Whats the best way to go about this? Also, is it best to phone or go into the branch?! Any advice much…
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RE-Mortgage application witness signature & guarantor??
Also posted here A good friend of mine has applied for a £30k remortgage. I know his position and know he can comfortably afford his repayments (friend for years and work together). He has requested I sign his application as a WITNESS to his signature. The form he has presented is mostly pre-completed by the mortgage…
