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Barclays Defaulted Overdraft w/o Notice
Hi, I wonder if anyone can tell me if I have a genuine gripe, please. I recently received a letter from Barclays telling me that a business overdraft I had with them has been handed over to Debt Managers, which I am now in the process of paying off. As my business failed, I found it nigh on impossible to make any inroads…
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Advice needed please :)
Hi there im new to the site and wanted some advice after applying for a loan of £5000 for a car and also to pay the insurance and tax on it for the year it got rejected so i thought that was a little strange so i joined experian for my credit report and there is NOTHING on there apart from my two banks which are in…
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Help need - clarification of what "agreed in principle" means
Hi There, after a recent split with my girlfriend and spending the last 4 years wrecking my credit i have decided the best thing to do is a clean break and sort my finances out. not my credit is very poor so i have tried a few different loan companies. eventually the Ulster Bank have written back to me with letter and…
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Cahoot direct debit stopped
My cahoot loan direct debit has been coming out of my bank on the 26th of each month for the lasy 4 years, yet the 26th of march payment hasn't left my account yet? Checked and the dd is set up for the new santander so everything iis correct my end. ANy clues on this and whta, if anything i should do? Has it happened to…
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Barclayloan overpayments allowed?
I'm looking at taking out a personal loan with Barclays. I've received the paperwork, but it doesn't mention that the loan allows overpayments. Does this mean that they won't be accepted? What is Barclays' usual policy on this - I saw some really old threads where people have successfully made overpayments by doing so from…
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Expat-no personal loans-help!
Hi My first post after someone said I should post my question here. Has anybody got any ideas on how I can get a personal loan to consolidate all my debt. I hope I dont start ranting and going on for too long...sorry upfront if it comes across like this. Problem is banks will not give me a personal loan, because I have no…
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Defaults
Hi everyone not sure if i am on the right site here,maybe some one would share any info... i have a number of defaults which reach the six year mark next year, i have not been able to pay any money of the balances. this year through sheer hard work,(and thank god for lots of overtime) i have started to set up repayment…
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PPI and savings question
My girlfriend and I have taken a loan with Lloyds and with it have taken their ppi. Also with Lloyds we have savings in the account the loan comes out of. Now if i were to be made redundant, would Lloyds take money from this account before the ppi kicks in or would they pay straight away? Thanks
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Repaying my Student Loan
I heard a rumour once a long time ago that if you have a job in government or the civil service or even something that is government funded that your loan gets terminated after a certain time. Can anyone tell me if this is true?
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Secured Loan query
Unfortunately I have a secured loan from a few years ago due to getting myself into serious debt and not getting good advice, the loan was with Firstplus. A couple of years ago I went to change my mortgage to the Woolwich and Firstplus refused to sign to stay as the second lender so I ended up taking my banks advice and…
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No payment taken in 5 months - can I cancel?
To explain the situation briefly, I took out insurance at the end of November and my first Direct Debit was due to come off in December. No payment was ever taken. (Sent a credit agreement from Premium Credit to sign with a credit limit of £1.5k so I presume this is a loan agreement?) Phoned in January and told payment…
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Consolidation Loan question...
Hi, I have about 5 different credit cards and was looking to get a consolidation loan to pay them all off (12,000) over 60 months and as a result end up with a lower monthly payment to start to clear my debt. As part of the process I want a company that will pay my card issuers directly and in the process close all the…
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My partner and I gave split?
Hello my first post To give you a little background. I was in a relationship (with a fool) for 5 years during that time we took out a secured loan for £17,000 (against our house) he has never paid anything towards this. The mortgage is still in both our names, again he has never contributed to the payments. The balance of…
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Loan secured against home
My daughter jointly owns a mortgaged house, but she has split up with her partner and now lives in rented accommodation. Her ex-partner may seek to secure a business loan against their jointly owned house, where he still lives. Would the mortgage provider require acceptance from my daughter for the house to be security for…
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Finding a consolidation loan...?!
Hi, this is my first post (and hopefully a step towards managing my unsecured debts!) - so apologies if I am about to go on and on a little.... I really need some advice on obtaining a debt-consolidation loan. I am about £18k in debt, through loans, an overdraft and credit cards. I am working full-time and am able to meet…
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Best short term loans?
I am after a short term loan for a maximum of 6 months. I will be in a position to pay this off at the end of that period but require £20.000 at the present time. Does anyone know the cheapest way of going about this please?
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Abbey Loan - no signed credit agreement and missold PPI
Hi everyone! - I don't know if anyone can help me or give me any advice. I was 19 when I took out a loan with Abbey (and quite naive). I have recently been told that the advice they gave me about PPI was a method of misselling - I had an average credit rating back then (I was only 19) and my loan application had to go to…
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Credit rating of 985 but can't get a loan!
Hi, After having some historic credit problems which I've worked very hard to improve over the last few years, the final adverse entry on my file (an old settled default - £316) dropped off of my credit report last week after 6 years. I recently ordered my rating from Experian and it was 985, so assumed I would now get the…
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How do i find them all?
I recently put a thread on about finding my partners gambling problem and all the loans his taken out to fund them. I ve spoken to the national debt line:money: who have been fanatasic and would highly recommend them to anyone. They are sending me the paperwork to contact all the loan people to deal with it. The only…
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Please help
I'm normally fairly good with my money. I had taken out a loan 2 years ago to attend my sister's wedding (in Florida - rather unexpected expense, hence the loan, and I also took the opportunity of paying off my credit cards with the money) which is paid off in 7 months (at £200 per month). Since then, I kept my credit…
