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Non Regulated loan signed after 6th April 2008
Hi all. First post, so I'll keep it brief. I hope someone can help with even the briefest answer. I was mis-sold a car loan for over £25,000 that my broker set up with Lombard as a variable interest, balanced payments loan. Lombard subsequently changed the agreement to a fixed rate, non regulated (by CCA) loan, and have…
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Why are people so negative about consolidation loans?
I have just been reading a few posts about these and so many people say they are the bad thing to do because you end up paying more, yet in my case i would save a fortune. Am i right in thinking that when you go on sites to get a quote and you pick the amount you want to borrow and then the months you want to spread it…
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Borrow Money From My Employer
Looking at the Inland Revenue site I saw that it is possible to borrow up to 5K a year from your employer without it effecting your tax code. What documentation is needed to make such a transaction watertight? i.e. my employer needs reassurance that they will recover the money should I leave the company. Cheers CF
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Does this sound right? Carcraft finance problem
Hi I wondered if any of you could shed some light on this problem. My wife's friend bought a car from Carcraft last year on their finance. The car price was £4,700. Three months down the line, just 12 weeks, my wife's friend discovered she had cancer, and would have to give up work, hence rendering her unable to meet the…
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Declaring salary when applying for a loan
Hi, I am planning to apply for a loan next month and was wondering if loan companies/banks only accept your base salary when considering your eligibility for a loan? I have recently started doing on call in my job which will provide me with at least an extra £100 per month (but will more likely be £200 with overtime).…
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Paying off Halifax Personal Loan... bit by bit
Hi all, Does anyone know if you can pay "a little extra" every month to a Halifax personal loan through Halifax internet banking? The Halifax website says you can pay more than the monthly repayments, which will shorten the loan term, but the only method it provides is cheque. Tried setting up the loan as a 'create new…
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getting my finanace back on track
I have come on here in the hope that some people could offer me advice. i am currently in a debt management proramme to pay off a loan and a credit card bill i raked up when i turned 18. i am paying £200 a month with £35 of this going to the debt management company. i have no vehicle and have just found out that my…
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Logbook loans ..result
Ok..Heres some news for those who have been a third party in a logbook loans saga. I'm not sure if this will be of help to some of you guys but it's some good news of sorts. I bought a car from a car trader on November 16th 2008. We had all the history and the log book etc. All seemed very well with the car. On the 3rd of…
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interest on interest
i am looking for advice i am on a debt management plan,but my natwest loan payments agreed by them are not reducing the loan because of the interest charged on the interest
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Interest Applied after Default
Hi I have an account with Cahoot which was defaulted in 2008. My credit file shows the default. I am now paying more than the contractual payments and have done, for almost 2 years. Now cahoot has transferred to santander I have received a statement. I notice on the statement that I am being charged interest of 15%. Since…
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Car Finance
Hi All, I don't know if this is the correct section to post this, apologies if it is not. I've been helping my parents go through their finances and I found out that my father had taken out a car finance so that my brother-in-law could get a car, this was paid without fail but in 2007 my mother had taken out car finance so…
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Loan Settlement
Just hoping someone can help, i ve had aloan with HSBC for 7 years and i just wanna get rid. Loan amount £7690 Term 57 months Paying£180 per month Remaining £3400 APR 13.3% I ve asked for an early settlement figure but they cant work one out because of un applied interest is this true ? Asked them to add it on, to date…
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6 month unsecured loan
Does anyone have an idea who may offer a 6 month unsecured loan? I need £2000 quick but can afford approx £400 per month to repay it. Yes I could save but need £2000 in next 4 weeks. Alternatively if the minimum loan term is 12 months, is anyone aware/ had experience of a product that has no early repayment penalty?
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secured loans help
i have two secured loand on my house, i lost y job a year ago and have had another job for about 5 month however my salary has halved and i am reallystruggling to make ends meet,there is not enough equity in my house to release any money. any advice would be greatfully appreciated. jo
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Tesco Finance address???
Hi I want to send something to Tesco finance recorded delivery but I can only find a PO Box address - does anyone have an address where there will be someone there to receive the letter? Thanks in advance.
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have i done the right thing?
Hi after months of getting myself in debt i have sunk deeper into depression and have now defaulted on 2 loans and an overdraft. i havent slept properly for ages and feel so sick. i have contacted cccs this morning and agreed a DMP, have i done the right thing? i was told to make token payments this month, i get paid…
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loan settlement figure help.
hi all. I took out a secured £3000 loan with welcome finance (a big mistake) 3 years ago to help with our wedding costs, the loan was about £120 a month for 3 years. About a year into it i lost my job and fell into arrears aswell with other things, think i missed about 4 payments. I got working again and started to make…
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Credit Agreement Never signed
Hi there, i had a loan last week for £1000 from Yes Loans and i never signed a credit agreement i recieved the money and most of it is spent now but i just realised i never signed an angreement or any type of contract i just agreed terms and conditions on their website what does that mean?
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Santander Cowboys - DFS Account
I’m having a problem with my Santander credit agreement from when I bought my sofa from DFS. Bear with me as this is a long story and I may start waffling. If anyone else had had any similar experiences with these cowboys any advice would be much appreciated. I bought the sofa in April 2009 and had no issues with any of…
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Student Loans
Guys, I have used the template posted on this site to obtain further details from HSL. They contacted me ages ago and stated I have a loan from them. I wanted to clarify that I have and wanted to see the proof. I havent had anything back from them but I have had a call from someone from the company called Field Call…
