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The credit people
JU Dear Mr XXXXXXXX Consumer Credit Act 1974 (the Act) Thank you for copying us into your email of 28 January 2010 concerning the problems you have been experiencing with a trader. Under the Consumer Credit Act 1974 (“the Act”), if a business wishes to be involved in activities relating to consumer credit or hire,…
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Good idea or bad idea?
We have lived in our mortgaged 1930s house for 7 yrs,we both work full time our joint income is more than £3000 pcm, although where our money goes ? we are always over drawn, I have an Isa with £6000, and joint rainy day savings of £2000. Eventually we will need a new roof and our front windows are going rotten. To replace…
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Junk email loan offer from 'Martin Lewis'!
Apparantly I have been pre-approved for a loan by 'Martin Lewis'! Obviously this is spam that I will not be following up (I have no need for a loan thank you). I wondered if anyone else had seen anything like this recently?
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Whch loan would be good to pay off a credit card and buy stuff
Whch loan would be good to pay off a credit card four grand and bank overdraft and also to buy some flooring and carpets and washing machine/microwave? Then pay back as quick as can do? Thanks
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Car HP finance terminated by provider
My daughter is in a terrible financial mess - see this thread http://forums.moneysavingexpert.com/showthread.html?t=2259305 Her HP loan provider wrote to her on 19th January saying: We refer to our Default Notice and regret that you have not paid the amount of the total outstanding arrears as detailed below. In the…
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Old debt following me round
Have just had a letter through chasing a loan i defaulted on many years ago. The loan was initially taken out roughly 14 years ago, defaulted on probably within a year of that, 2 at the most. The company is called 1st Credit. As i understand it, debt over 6 years old cannot be legally reclaimed unless i admit…
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Loan settled. Now saying they made mistake.
Hi there, I recently took out a loan from a company called moneyway, they specialise in loans for musical instruments. After some mistakes that they made in December with dd's, i asked them to send me proof that i have settled my loan. I have a letter from them saying 'thank you, we are satisfied that your loan has now…
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Get car back or pass on finance?
Hi guys, Not sure if this is the right place but here goes. Last year my sister took out finance on a car for her then partner, the log book (ownership of the car) was transferred to his name and they would both pay the monthly repayments. Since then they have both split up yet are still on talking terms, he no longer pays…
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Need Urgent help and advice on a Welcome Finance Loan
Hi Guys, I hope you would be able to help and advice on th issue, which will be much appreciated. Here it goes, sorry it is quite long: I have taking out a loan with welcome finance in 2006 for £ 2000 for 3 years at a monthly payment of £155.95 with payment insurance. I was due to finish the loan in nov 2009. During the…
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which loan would be good for a car ?
hi, thought id post on here as im looking for a loan to buy a car with but which one would you guys recomend??? im looking to borrow £3000 and put some cash with it to buy a car for approx £5000. this should buy me something of resonable quality, age, mileage and be mechanically sound. im looking for a vw passat tdi. good…
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Car loan, want to cancel before it becomes active
Hi, I went into a car showroom last week and rather impulsively decided to buy a new used car. I've been thinking about it for months. Anyway, after thinking about it over the weekend, I'm having serious doubts. Mainly because the car will cost considerably more in tax, insurance, fuel and a monthly loan. I knew all of…
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Getting a secured loan on part ownership
I have just bought a house. Its a part ownership. Its not a brand new house and want some money to consolidate my existing loans and give me a bit to do the house up. Are there any loans where you can borrow againast the part of the house I have mortgaged for?(secured loan) Any help is appreciated
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Loan in my and my ex gf's name
I have a loan that was taken out as part of a Mortgage (125% jobbie with Northern Rock). I need to get her name removed from the loan as we are no longer together, and I pay the loan anyway. Is this possible? Thanks
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48hr Finance.
has anyone here come across them before? good or bad comments welcome. Thanks in advance.
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Help me please
I have two problems. First i have a loan with Welcome finance and was told when i missed a payment i could add it on to the end of the agreement and it would not be a problem, since then they have added loads of intrest on to this and i have to pay a higher amount of money to try and bring the debt down it is due to finish…
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Hunters list
What is a hunters credit blacklist?
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Can I transfer my current car finance to another car
Hi ya I have finance of my 09 hyundai I20 8 months old under the scrappage scheme and (guess what i'm going to ask) and want to take advantage of the ugrade offer to the 10 plate. Will i be able to transfer my current finance on 09 car to the 10 car and pay the £599 cash. I really want the new car and there are no t&C…
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CDL is not enough
Hello everyone I am starting my Masters in London in September, and looking at my costings, the £10G max loan offered by CDL banks do not seem to cover the entirety of the course and my needs.:eek: i costed at 12 months whereas the course is 18 months, and budgeted living costs that came short of £10G, excluding personal…
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Loan from Credit Union
Am in debt to the tune of £10800 to various creditors, being managed via a DMP with the CCCS, repayments of 191pcm. This is OK, have applied for a 10k loan with the Credit Union from work, with a view to settling my debts. The loan repayments will, if successful, come out of my salary, which makes it easier for me to…
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Joint loan question
Hi I wonder if anyone knows what to do about this? I got a loan with an ex about 6 years ago , we were not married and got it in joint names. A year later we split up and the loan was passed to a debt recovery place and we both paid an amount seperatly. Every year they woudl write to me and tell me what the balance is...at…
