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Welcome Finance loans, do they ever end??
Hi there, Im going to cut this really short but in May 2003 my husband and i bought a car from yes car credit. We were unable to get credit from them so got credit form Welcome finance! grrrr The car itself was a fiat punto costing £3,900 including ridiculous charges that i wont go into. So you would think by now it would…
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Offering to settle loans
After the sale of our house we've a bit of spare cash and we're thinking of settling our car loan, taken out in December 2005 with what was then the AA at a rate of 8%. We thought rather than investing in cash at 2-3% we'd pay off the loan instead. Phoned for a settlement figure and it was higher than I calculated myself…
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Wonga.com
I just saw an ad for wonga.com They're selling loans with an interest rate of 2689% APR! Shouldn't this kind of thing be illegal? It's just targeting desperate and stupid people. Isn't there a government body who can put a stop to companies like this?
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Paying back loan for products I dont have
I've divorced around 18 months ago and I'm still getting collection agencies chasing for payment on credit for products we bought as a couple, but I left these all with her when I left the house. Do I have any standing on passing these agencies and debt over to her as she still has the products in her house? The credit was…
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Egg Loan Direct Debit Problems since December 2009
Hello, I have had a problem with my Egg loan direct debit since December 2009 due to the fact that I re-set up my direct debit with a different bank. I received conformation on the phone and via email from EGG that everything was in place and the direct debit will be taken out each month. I then received a letter…
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Every day loans
I got a loan with these guys because I was desperate. I had no other reason than that. I reluctantly got a loan of 4k. I pay 236 quid a month. for 4 years at 48% Apr. They also charge me between 45 and 49 quid a month insurance which I can't remember taking out if I am honest. However I do have a pretty crap memory and…
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Welcome Finance Terminate HP - WHAT!!!!!
Hi, any help would be much appreciated. i took out a car HP with WF in Dec 07. whilst on maternity leave last year i missed a few payments but they agreed that i could pay an extra £30 pm from sept 2009 to cover this and this would end my contract on the original date - Dec 2011. this was fine for me, and i have not missed…
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HELP!! Loans after splitting up with joint named person
Hi, Please can someone give me some advice on what to do?! I was with my X for over 5yrs, in which time we took out a loan with Natwest, initially it was for approx £6000 but over the years we increased it to clear his car finance. For most of the year before we spilit in Aug 2009 he wasn't working, therefore resulting in…
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Early Settlement of Loan.....
Morning All A few years ago I took out a loan with Welcome Finance (I know, I know, but it seemed like a good idea at the time). Since taking the loan all my payments have been on time and made in full and there's never been any bother at all. However, I've now been made redundant and don't know when I'll be starting a new…
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Loan co and wrong telephone number
Wonder if anyone can help me. Noworries loans keep ringing my house looking for my Ex that has not lived with me for over a year. They have his correct address but he is giving them my landline number. I have text him telling him to stop giving my phone number out but to no avail. Everytime they call I tell them they have…
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19 and I need a loan
I'm currently unemployed (19 years old) although I have been offered my job back in June when vacancies open / work picks up and my Jobseekers allowance will cover the loan payments as I have no other out goings (the monthly payments shouldn't clear £150). I need to borrow £3000 to buy a car but I don't know where to go…
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New loan or suffer with what i've got??
Hi i have a loan with 3yrs left at £340pm also £8k on amex and £2k on mastercard. at moment paying out approx £530 for loan and min payments on cards, Shall i get new loan £20k 10yrs paying about £250pm or stay as is but card balance creeping up due to using now and then petrol and things. with morgage and other pay outs…
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Car finance - dealer not paid instalment
I recently part-exd a car that had finance outstanding on it. The dealer has failed to pay the next instalment - even though he has promised to do so. The finance company are chasing me for the arrears, even though I no longer have the vehicle. Surely the dealer has some liability for paying off the finance - yet the…
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Natwest £1000 Personal Loan
Hi, I took out a £1000 loan from Natwest at the beginning of last month (March 2010) which was to be paid back in 12 monthly installments of £93.33 at 21.3% APR. (Total repayable = £1119.96) I paid the first installment at the end of March. In two weeks I will have the money to pay back the loan in full but I'm not sure if…
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Tesco Loan Application - Advice Needed
Hi, My husband has applied for a Tesco loan for £10,500 paid back over 48 months so that we can consolidate a current loan and credit cards which are currently all in my name. He received an agreement in principle and they asked to see his last bank statement and 3 months wage slips due to him being paid cash rather than…
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Loans for Credit Card Debt Consolidation
Hi, I currently have around £10,000 outstanding on credit cards at present so i have applied for a loan to consolidate the debt. I have done this for three reasons - It will provide light at the end of the tunnel, the interest will be lower and it is easier to manage with one payment per month. Unfortunately my credit…
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Current Active Lenders
There seem to be a lot of posts by people who are asking "what do you think of....?" or "should I pay £xx to get a loan?" Wouldnt it be helpful if there was a list and review of current unsecured near/sub prime lenders in different sectors? This would help people know that they are dealing with the right people. I know…
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Black Horse Finance
Hi All I need a bit of advise. I took out a loan with them in 2004 and missed a few payments in the end they took me to court in 2005 and obtained a CCJ against me, in 2007 I paid the solicitors deailing with the case a settlement figure and my credit file was marked as satisifed job done or so i thought. In December 2009…
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!!!!!!, can't get a loan but can get pretty much anything else
Hey was wondering if somebody on here could possibly tell me how they work out whether to lend to you b/c it seems to me like its a complete luck of the draw type thing. I recently applied to A&L for a £7000 loan, the purpose of this would have been to pay off my car finance (£5000 @ 15.9% APR) and to finance a learning to…
