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Black Horse urgent advice needed !!!!!!
Hi any advice would be very helpful. My wife and I took out a loan with black horse for finance on a car back in 2003. We began having difficulties paying after a year and eventually had to give the car back on black horses advice. Furthermore after the sale of the car the remaining balance was £2500/. However since the…
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Help Needed!
Hi, Hope someone can help me in case i'm missing the obvious.... I took the girlfriend to see about getting a price on a brace today and was quoted £1700. The offer finance through Hitachi, so I applied and was refused. Came home and checked my credit score and report: - I'm sat on 912 as a score, so sit mid-way in the…
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Barclayloan
Hi We've got a Barclayloan, taken out c 2yrs ago at a rate of 6.9% but is clearly quoted as a variable rate. Since then interest rates have dropped & yet we've heard nothing from them about any change in the interest rate. Are they required to drop the rate (even by an n'th of a percent) or contact us to let us know that…
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HELP refused loan
Hello I need some help I stupidly have got myself in debt with payday loans (stupid i know). I have checked both my credit files with experian and equifax and both are showing ok. I applied for a loan with Zopa and was refused and now dont know what to do. I have a good job earn around £1400 after tax a month. However if I…
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Consolidation Loans
I'am looking at consolidation loans and a couple of people have mentioned Norton Finance. I was wondering if anyone has used them or can recommend a company? I'am not liking HSBC at the moment they seem to be very demanding and not very helpful regarding my loan. Thanks
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When do student loan repayments show up?
Hi, Does anybody know how long it takes for student loan repayments to show up?? Say I pay £200 per month - is that physically taken off my balance, or is it only done at the end of the year? You can see what I'm getting at...... if the interest is done on a daily basis but repayments aren't factored in until the end,…
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Having trouble finding loan with repayment break
My friend is is wanting to get an unsecured loan of around £12,000 but she wants to be able to take a payment break of a few months at the start. Just wondering if anyone knows of a place that are offering a deal like this? Payment breaks used to be quite common but I can't seem to find one now.
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Incorrect default date on credit report
Hi, I am looking for some advice, i defaulted on a loan in 2002 and after recently checking my credit report i have noticed that the default date they have is 2008. Is there anyway i can have this corrected and what would be the best way to go about this?
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Should I repay my student Loan
Hi, I'd be really grateful for any advice on this as my parents, partner, friends ect all have their own differing opinions based on not much. This is my situation: I went to university 2001-2005, I'm from Scotland but I went to england so got an english size loan to cover tuition fees. I can't find the last statement, I…
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Barclays Partner Finance - Oh Dear !!
Time to name and shame I think. Simple question I thought, can you tell me what the penalty amount would be if I settled a finance deal early? The Salesman said there was no penalty - the pre contract said there was, (but to be honest I would have needed a degree in mathematics to try and work it out) - who do I believe?.…
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How to get a Loan
Hi I'm only 19 years old but am earning about £1350 a month after tax, i have about £200 going out for car insuarnce and rent a month and so am left with about £1150 as my own money to spend, the only problem is everywhere i ring up is refusing me loans. I have enquired at my bank to borrow £4,00 and pay back £120 a month…
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Wentworth Finance
Ive been sent a letter stating that ive been accepted for a loan but they are asking for a brokers fee to process it.... does this mean that ive def got the lan or am i being led down the garden path??? i ask as i cant afford to just give money away!....... Any responeses would be gratefully welcome ty
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Vehicle leasing agreement...advice needed please!!
Hopefully this is the correct forum for this!! I'm currently in correspondence with a solicitors that are acting for a vehicle leasing company with whom I had a car but fell behind with payments. This is as a result of being made redundant last year and the usual spiral of no job; lots of bills! I have acknowledged that…
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Loans and credit cards
Good Morning All, I have a loan with Lloyds TSB which is over 5 years at a cost of £232.00 per month, the loan was for £11,000.00. I've paid 26 monthly payments without missing a single month, leaving nearly 3 years of the loan left to pay. Last month my circumstances changed and I am now living on my own, which means only…
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Will a credit card effect loan?
Hi, I recently applied for a credit card, my first one. Will this affect my chances of getting a loan in the next few weeks, because its an extra search on my credit file?
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missold secured loan
Hi just enquiring about some advice on a secured loan with welcome finance,in feb 2007 i lent 17,350 i currently owe 15,500 and pay 370 a month for the next 7 years, a company called Delete uk contacted me regarding been mi-sold this loan they said it could be legally enforceable if it did not comply with the consumer…
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Car Termination Right on HP Agreement Advice Please.
Hi to all , 1st time virgin poster here , Basically I am seeking advice on the Car Finance I have with Black Horse probably a case of confirming what I already think is correct but any advice would be muchly appreciated , I am self employed and currently have a Vauxhall Astra which I need to change to get a Commercial…
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Warning - misleading loan information
Hello, This is my first time posting and the reason for it is that I wanted to warn you of a misleading loan rate practice which has lost me a few valuable days. The rate advertised by this company for a loan of £7,500 was a fantastic 7.8%, which I saw here on Monday. I have just had a car accident which led to my car…
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Need Advice please - loan refusal
I check my credit report with Experian regulary and recently i was refused finance for a new car, unsure of why, I downloaded my report and have discovered that the Car garage have applied for finance to 5 diffrent lenders - this has obviously had a massive negative impact on my credit status. I signed a credit agreement…
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can't get credit
Hi, I'm wondering if anyone can help me. Im new here. Anyways, I graduated 2 years ago, and I just can't shift my graduate overdraft. I'm not in well paid employment and want to do another course to improve my job prospects. I've been to the bank to request a loan which got refused and I have also tried to get one of those…
