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Unsecured loans... Yes Loans and The Credit People
Hi, Im trying to get a loan to pay my Mother off as she lent me some cash and now needs it back. I have a poor credit history so was looking at The Creidt people and Yes loans but have since read reviews that they are a total scam!! Who can I turn to? I want 25K but know I don't stand a chance of this amount unsecured....…
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northern rock
I took a loan out with northern rock in 2004, a couple of years later I was ill and off work and tried to claim off my PPI. I was told I couldnt claim anything and therefore I fell into arrears. the loan is now in the hands of 1St credit, the original loan was for£7500 now 1St credit are claiming £15000. I have requested…
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Loan Vs Credit Card
I am looking to borrow £6500 to put towards the purchase of a car. Originally i was going to get a loan, but what is stopping me from getting a 0% credit card, paying into it monthly and then transferring the remaining budget to another 0% card when the offer expires? Kind regards, Bob
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Advice needed please?
My partner has a £10,000 loan with Nationwide which was due to finish in August this year,he had never defaulted and the bank always took out the money at the end of the month once my o/h was paid,during last year the bank decided to try and take money out a few days before he got paid(even though they knew the money…
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Credit Rating Not Good Enough?
Hello, I want to get out of debt before it gets worse but the banks don't see it that way! I'm looking for some advice... I have a small amount of credit card debt (3,500 between 3 cards) with varying minimum payments, the largest of which is £63 p/m, smallest is £17 p/m. At the beginning of the year I set up repayments…
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12 Months of hell with Welcome Finance VT request. Help me!!
I've been living with complaint/dispute with Welcome Finance for over 12 months now. And the latest developments have got me completely lost. I just don't know what to do now. I'll try and put a brief history of what's happened here. There is a lot more info, but I think these are the crib notes. Hire Purchase agreement…
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hire purchase
Hi all! Im new to the forum so im sorry if ive posted this in the wrong place! My partner was medically discharged from the army and has bi polar and post traumatic stress disorder. Three years ago on one of his bi polar highs he arranged finance with a company that deals with bad credit for a motorbike costing £7000.00!!…
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Account defaulted - zero notification - credit report black mark...
Short Version: Natwest student account defaulted - without any notification after being told my account would be open as 0% overdraft until August 2010. Natwest failed to change my address + gave no information about me having to use the account when I visited in August 2009. Below is full version, Thanks Background info:…
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Welcome Finance
Hello, I stupidly took a loan out with Welcome Finance a few years ago when I got in a little trouble, Ive recently been successful in claiming back a Miss-sold PPI, Ive had a cheque from them and my payments went down also, I had to pay the 1st new payment over the phone as they had not set the Direct Debit up in time but…
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HELP with Welcome Finance needed please
Hi all, I'm hoping someone can help. I got a car on hp from welcome car finance in May 2007. On the agreement it says, the value of the goods was £6,500.00. I also took out gap insurance at a cost of £300. With the interest on top, this came to £12,431.04. the term was for 48 months with monthly payments of £256.38. In…
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Unfair Bad Credit Left
Hello, in December 2009 i entered a contract with o2. when i signed the contract i was told i could cancel it within the 1st 2 weeks. After 3 days of having the phone i recieved a bill from o2 for £60 (3 times more than the line rental) so i took the phone back to the shop and cancelled my contract as i wasnt willing to…
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Welcome Finance (choke ) Loan Term
Hi Everyone Not sure if there's anything I can do about this as mainly down to my own naivety. However...here goes. In 2004, my now husband and I took out a £15,000 secured loan with Welcome Finance over the phone. We were advised that the payments would be made over 60 months, told the amount etc. It was agreed and the…
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welcome finance
i have the misfortune of having a welcome finance secured loan and i wanted to see if anyone has any views on a few things that happened when i took the loan out. i was told they didnt need to get consent from my first charge mortgage and only needed to confirm i was not in arrears with my payments so they got me on the…
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Which debt to tackle first?
Deleted as posted in wrong area.
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Secured loan - rate negotiation??
I am in a situation where I am unable to continue to pay secured loan due to financial difficulty. Existing secured loan is being charged at 10% and runs for further 25 years. I have notified Picture Loans that I will not be able to continue to pay the set repayments and am seeking reduced payment agreement - which they…
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Lloyds TSB loan
Hello, can anyone help me i have two loans with Lloyds TSB that i have requested a quotation to pay the loans off early which i have now received but i have been asked to pay an Early Settlement Fee on both of these loans. I thought that they can't charge me for paying the loans off early, am i wrong or right.
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Enforcing HP Agreements
Hello, my partner is unable to keep up with an HP agreement (in his name only) on a caravan. The agreement was taken out in Dec 06 for 7 years through Capital Bank. We've always paid the monthly instalment of £500 but now find ourselves unable to pay this amount and are concerned about them repossessing the caravan,…
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FLM Loans
Hi all, My son got a loan from this company without me knowing. He has put me down as the guarantor but I only found out as he missed a payment and it came off my account. Should they not have contacted me asking if I would be the guarantor or should I have not received mail/email from them? Thanks
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help with old debts
hi does anyone have any advise i have been paying my debts via the cccs for 6 yrs know. Today i have spoken to a finance advisor that recommended that i go on to an iva i have roughly 30K worth of debt pay cccs 180 per month which works out to debt free in 15yrs. the iva worksout to be 170 per month and debt free in 5yrs…
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Debt between family member
In 2005 My husbands sister gave him £13k to help pay of his ex wife. He couldnt get the money together himself. At first he didnt want to borrow the money off his sister but she insisted. She told him he could pay her back whenever he could get the money together. Because she remortgaged to lend him the money he agreed…