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Yep - Welcome Car Finance Again (sorry!!)
Hi all First post, so please be gentle! I have been reading the comments regarding WFS for some time now as I have Car finance with them which started in Feb 2008. Anyway, I had to call them a couple of weeks ago regarding changing my bank details, and was asked whether I would consider settling in full. Following reading…
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Personal Loan for Student
I'm looking to get a loan but I know it's near impossible to get one that isn't solely with Wonga.com as I am a student although with my State Loans I earn a total of around £13k/year -- so slightly more than minimum wage. However, the problem is before I was a student I had some debts and my last loan paid the rest of…
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Would this be beneficial?
My ex and I broke up recently and I agreed to take on the credit card payments in exchange for not paying maintenance (until they are paid off of course), however the interest rates on the credit cards are leaving me no better off as I can only afford to pay the minimums and even then its leaving me on the breadline. It…
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which credit agency do tesco use.
sorry if this is posted elsewhere but can anyone tell me who tesco loans use as a credit reference agency please.:D
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Welcome Finance Loan!!!!
Hey folks, just joined the forums to get a bit of advice if possible. I've been paying a welcome finance loan for a year now and have just received my first yearly statement which has shocked me into doing all I can to now get rid of it. I'm paying £15K at 22.2% APR over 180 months at £290 per month!!! It's horrific!!…
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Fluent Money
How do I delete a thread????
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How long for a decision?
I applied for a loan with Co-Operative 8 days ago and was told I should have a decision within 5 working days. 7 days ago I received an update email telling me they would do their best to give me their decision within a few days and would email me if they needed any more information from me. Is it normal for things to drag…
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Personal Loan for House Deposit
Hi there, Me and my wife are looking to move house to a bigger house as we have a baby on the way. :-) We currently live in a house worth around £125k and would move to a house worth circa £225k - £230k. In order to move we would need a minimum 10% deposit but don't have enough equity in our house to go for that - due to…
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Fixed Sum Loan Agreement number trace?
Hi, I have an existing loan with a UK bank (Clysdale) I took this out in 2007 and previous to this I had a same fixed loan with them. I am trying to trace the previous loan agreement number as I have lost the paper work for it. I have the current but not the last. As I want to reclaim the payment protection. The bank told…
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Student Loan and Annual Bonus
Morning all, Normally I pay £90 per month to the Student Loan Company, based on my earnings over £15k. This month I have been paid an annual bonus which has resulted in my student loan deduction increasing to £333. Next month, this will drop back down to my standard amount. Is there some way I can claim back the…
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CapQuest - Argos Loan
Hi, My partner bought an xbox 360 on finance from Argos about 3 years ago, and was paying it off by direct debit until she changed banks and forgot to get it set up again. She has recently moved and CapQuest have sent a letter requesting £326 instantly before they pass it to theirs solicitors. My partner just rung the…
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outstanding finance on car bought by ex
Hi there, i've been struggling to find any advice regarding my problem so thought i'd try here...hope its ok! I am wanting to sell my car that was bought by my ex husband about 3 years ago. I am selling it privately for £7500. Last week I was contacted by a prospective buyer and found out that there is outstanding finance…
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Student Loan repayment on a bonus and extra tax!
Hi all! i did write on here a few months back and the replies were really helpful! but i have recently found out my bonus from work is going to be a little more than i expected and i was wondering if anyone could work out how much i'll actually walk away with after all the normal deductions! i get paid 25k per year and pay…
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LloydsTSB Loan & Current Account
Good morning. Does anybody know if I need to have a LloydsTSB current account to pay my LloydsTSB loan from? I was thinking of opening an account with Alliance & Leicester but just wanted to make sure first (I'd phone Lloyds but they take so long to answer!). Ta
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Reclaiming admin fees from loan companies
I paid a £70 administration fee for my partner, when he was applying for a loan, with YES LOANS. The polite, young man who processed our application for us over the phone positively assured us that we could easily reclaim this money if we changed our minds/was unsuccessful with the loan. We then decided we did not want the…
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Voluntary termination of a tractor
Hi all, sorry if this is a bit of a specialist area, but does anyone know would a tractor HP agreement work the same as car HP, ie you pay over 50% of the finance and can hand the vehicle back? Having no ends of problems with it, and thus want shot of it without ending up with a liability. Thanks in advance
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Self employed loans
Hi I've been self employed for 1 year and before this I was a student for 6 years. I work in a group business so someone else pays the bills, mortgage etc and I take a percentage of what I earn. so, I have found a premises and we've said yes to the contract etc. I have some money from family but ideally want my own money…
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Loan advice
Be kind please :) My partner has always looked after our Finances and I always assumed he was managing them well. We took out a secured loan against the property in both our names at this address with Welcome Finance. Our first home was a mortgage in my partners name, we sold the house to pay off debts and "live life" I…
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3rd party debt management companies
Hello all! I need help. Basically i took a loan with halifax. I haven't even started repaying it then my circumstances changed and now i can't afford £200/month, so i offered them to pay £40/month. I have sent them my budget/expenditure form. But they keep pressuring me to seek advice with 3rd party debt companies. Like…
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loan co want their money
Mother in law bought a car recently with aid of a loan from santander, the car was not ready on time and the apr and pay back rates were bad to say the least, she then cancelled the credit with santander and went through her bank. Now today she gets a letter from santander saying you owe us your first payment etc etc, she…
