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Experian rating? Where from?
Can you get this if you sign up for a free trial of experian?
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PCP car finance - something doesn't add up?
Hi there, I'm hoping I posted this in the right forum, so here goes; I've just negotiated a deal on a car, and have been given a quotation for a PCP as follows; Purchase price of the car = £15995 Part ex. (used as deposit) = £5200 GFV of new car = £6494 This gives an outstanding finance balance = £4301 The PCP term is for…
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Santander loan came back 1 year later?
Hi my wife had a loan with Santander,she was left some money so she did the right thing and paid off any debts before spending. She went in to the local Abbey branch and asked for the settlement figure and paid off the loan there and then £1973.36. about 6 months later she had a letter from them saying that she owed then…
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Early Settlement: Santander Wordings
Folks, I'm trying to get my head around the wording differences between the loan contract terms advised by Santander on its web site and those in the actual contract. On the web site it states: "We will determine your settlement date and any rebate of interest to which you are entitled in accordance with the Consumer…
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Payday Loans :(
Hi, First of all, apologies for posting again about something that has been asked many times but I really need some help. I started off with one payday loan but after 'borrowing from Peter to pay back Paul' i have now ended up with 6 :( Wonga, Quickquid, Early padyday loans, 1monthloan, Cashgenie and Payday Express. I…
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full and final advice please
Thanks to your advice and the kind lady at the finance company, they have accepted my offer of a full and final payment on some dodgy car finance my dd had defaulted on. This was agreed over the phone, and the company has sent me an email confirming all this to take to my bank so they will pay over the money (see below).…
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2 queries from a newbie
Hi all, A few years ago I got myself into a world of debt. I am really pleased to say that although I'm not debt free yet, I will be at the end of this year! I have got really into budgeting and trying to 'get everything straight'. My main ambition is to finish 2010 debt free, then by the end of 2012, have a deposit for a…
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Logbook Loans - Reclaming Money?
Hello, In the past I took out a total of three loans with Logbook Loans. I had major financial problems but looking back in hindsight these loans only compounded them. I destroyed all my documentation when I eventually paid them all off, I think I did this at the time as a symbol that I was free from their shackles! I am…
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NatWest Loans Procedure
Hi everyone, Sorry, this is going to be a bit long-winded but I was hoping somebody would be able to offer me some advice on a recent experience with Natwest. I recently applied for a consolidation loan with Natwest. I have been a customer there for over 10 years and have had a previous loan with them, on which I never…
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Poor Credit Rating - my options?!
I found out a few months ago that my wife had built up large debts on credit and store cards and on her current account overdraft to the tune of over £10k. I tried to both getting a loan and borrowing some more money on our mortgage but was refused and was advised to get a credit report. I found that my credit rating was…
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Debts but no estate to settle with.....
My Dad passed away suddenly last summer leaving a fair amount of debt and no estate. All the banks and creditors quashed the debts except the HSBC who have been hounding my mum for months. Now she has received a nasty letter from MCS (which I gather is HSBC?). The debt with the HSBC was a business account for which my Dad…
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loan to a friend help..
i wasnt sure where to post this.. i know this is all a bit vague but basically long story short.. ive lent a considerable sum of money to a friend and it turns out she was using her mums bank account all along.. her mum wants to get the fraud squad in for her using the account because she owes her mum money.. im trying to…
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loan cancellation/ cooling off period
hi my girlfriend has taken a rip off loan for 4500 from loyds paying 164 per month over 48 mths, while the othe banks offer similar payments over 36 months. she will pay over 7500 in total as oppossed to around 5200. can she cancel now over the phone or is there a cooling off period? also what is the best way to go about…
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Got turned down for a loan by.....
Everyday Loans!, I thought it would be difficult to be turned down by them :eek:.. Though when I did apply online as soon I clicked "Apply" a message appeared straight away " Unfortunately we are unable to offer you a loan so this is to confirm that we will pass your details to a company that we believe may be able to help…
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Loan Settlement Figure
Simply, my question is can a company get its loan settlement calculation figure incorrect? Situation is this - unsecured loan, taken out in December 2006 for a 6 year repayment. Monthly payment is £441.14, APR is 8.0%. Only slight twist is that the loan didn't need to be repaid for the first two months. All payments upto…
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Finacial Plus, CAN WE STOP THEM,
HI to everyone who has had dealing with this company, thats if you can call it a company. I have had no end of problems with this company like many who have posted on this forum. Taking money without authority. having that mad sounding un- inteligent scottish woman scream down the phone, so many phone calls form people…
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Questions about buy now pay next april
hi everyone, hope this is the right place to post this sorry if its not! i want to buy a computer from littlewoods and they have a "pay nothing for a year" offer but im confused if i pay of the £1100 before the year is up i dont pay the apr i assume but what if i pay off for example £1000? is the apr just added for the…
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0% Dental Finance
My son wants to apply for dental finance for some orthodontic treatment. However, he is a student and not in employment. He does have some credit cards and his credit report is all clear. Is there any chance he might be accepted for this finance or is it unlikely? He recently applied for finance with Apple and got…
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where can i get a loan??
I am a home owner with a decent credit rating [per creditexperian my credit scoring is 832] but I have been unable to secure a personal loan..i have a black mark due to a kitchen loan in 2005 that was defaulted on..but has since been settled]. I am only looking to borrow approx £3k but my bank [Santander] has refused. I…
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need help finding a loan
Hi can anyone give me some advice please? I took out a loan of 6k for a course last year and was given a 1 years interest free period. The loan will need to be paid back by 20th July and so far I have raised 3k and do not want to pay the rest of it monthly with an astronomical interest rate. So I need a loan of 3k soon so…
