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Cant get a Loan
Hi all, i currently have 3 credit cards all in debit, adding up to £6,000, i also have a person loan that has a remending £2,000 which i pay back every month via direct debit, i currently hold 2 current account both with overdrafts or £500 and £700. I have tried to get a loan to clear all balances and get a car however i…
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Financial fool needs educating!
does anyone know if its possible to find out what RBS interest rates would have been on a £3000 personal loan over 3 year period ....IN 1996. would help to know for evidence on PPI reclaim I'm trying to put together.Any communication on my stupidity gratefully recieved as men in white coats will be coming to take me away…
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Yes loans offer without application!!
Hi i dont know if anyone else has had this happen to them but today we recieved a loan offer from Yes loans saying we had applied for it! we have not approached them in any way yet they had our bank account details, address, work info, home and mobile phone numbers. Some of the details were incorrect e.g. dependants it…
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HP Car Finance ended by Voluntary Termination at 50% stage marked in default
Hi Just signed up to check my credit files ahead of a mortgage application and noticed something a little worrying I had a car on finance which reached the 50% stage this summer, so I informed them I wanted to end the agreement via voluntary termination as was my right after having paid back half the amount. They agreed,…
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Egg Loan Mistake on repayments -Help
Hi I have an existing Egg loan, on which I have not missed a repayment for the six years that it has been running. When I received my last statement from Egg the amount owed did not match the amount that would be paid by the last payment date. So, being proactive I thought it would be a good idea to query this. The result…
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Moving abroad
My husband and I have a loan of around 15k in the UK..we have moved to the US and will be here for the next few years. Could/should we stop paying our monthly loan repayments? Will the bank track us down here?
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Ending a car loan early
My mate has a car loan with Black horse over 5 years but is struggling to pay it. He wants to sell it but is not sure if this is allowed. He has had the loan for about 18 months. There is roughly 4,000 left to pay. Any ideas or suggestions?
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Trying to get a small loan, frustrating!
Im trying to get a small loan of around 1500, i've had bad credit in the past, with one default which appears on equifax but not experian.......? at the moment i have a car loan(£13,000), credit card, (£180 balance) car insurance, mobile phone listed as debts and have not missed a payment yet have approached my bank and…
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Home equity loan
Hi there, Does anyone know how these work. My mum released some equity from her home but has no idea now how much interest will be added by the time she is 'no longer with us' and the loan has to be paid back? Could you give me an easy example if possible say if she borrowed £20,000. thanks for any help:T
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Line Of Credit
I have some equity in property which I would like to release in order for me to develop another. Can anyone advise me how/where to start looking and possible best choices? Thanks zx12a1
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Turned down for a big loan - can you help?
Hi there, We basically have £20,000 worth of debt on credit cards. We also have 2 other loans that end this year. We've not missed any payments. We applied for a £20,000 loan from Alliance & Leicester and we got rejected. The loan is needed to pay off all the credit cards and this would reduce our monthly payments…
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Student Loan - how can I avoid paying it back?
Hi all, Long time lurker, new poster here. I have a question regarding paying back my student loan. I am currently paying back my SL and it comes out of my earnings along with tax, NI, pension etc, so I have never really noticed it. However, I am soon due to receive a large amount of backpay from a previous job (about…
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car loan for a different purpose!
Can I avail a car loan and use it for another purpose? I do have a car but I'm in need of money to settle some of my debts overseas? Do lenders check in any form about this? what do we need to provide as docs when applying for car loans? Any advice appreciated..
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Recommend a secured loan company with not a good credit history?
I'm looking to consolidate some debts. Already have a secured loan with GE Home Finance for £2,000 which I'm looking to consolidate. Can anyone recommend a loan company with not such a good credit history? Thanks
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Contact Welcome?
I have a car loan with Welcome via Carcraft. Its almost halfway through, so as per the agreement I want to hand the car back and end the agreement. I can't find any contact details for them. Their website is blank. Are they in recievership? The customer service at Carcraft said they were, if so who are the recievers? I'm…
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Welcome Finance - please help
Hi Everybody I have a secured loan with Welcome Finance which I took out in November 2008, for £5500 initially. The current balance is £4470. I have never been late on any payments. I understand they are currently looking to collect in as much cash as possible and are winding up their lending arm. Does anyone know how I…
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PPI claim Advice please
Hello Please could anyone offer me some advice regarding a ppi claim on my aa loan. I took out a loan with the AA loans in Aug 2004 for 5700.00 for 11.2% apr with 72 monthly payments at 157.57. The aa credit care was 2497.05 which with the loan equals 8197.05 and the charge for credit is 3147.99 which is a total payment of…
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In a mess with a Halifax loan- Help
Hi All. 1st time poster.. Just a question, hope someone can give me some advice. I have a loan from the Halifax (original amount borrowed £7500) which I have a balance of £5918.00 still to pay, the APR on my Halifax loan is 8.9% but I have realised to my horror that despite making around 38 payments of £150.93 totalling…
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Trying to find a better loan or what?
I am paying off a Formal loan of £40.000. At £687.00 per month over 7yrs at 11.1% apr with Lloyds bank. A year has gone bye and I want to pay off 10.000 and bring it down to 24.000 Personal loan. I applied to Lloyds for a new personal loan but they said the interest rate on the new loan would be 15% then knocked them down…
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Urgent - Help needed?
Dear People, I need some help urgently…….Last year was a hell of a one for me, I went bankrupt in March 2009 after a string of unemployment and some very hasty and bad decisions. Luckily the bad times are behind me and I have started the new year on a flyer, I have managed to sort out all my direct debits and I am very…
