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Finance on a computer(after 2 years)
alright heres the story 2 years ago i purchased a computer off mesh computers delivery was quick to come set it all up and all that and there was a letter explaining they was out of stock on the game that was meant to come with and it said it would be delivered in a few days thought nothing of it two weeks later it…
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Loans Secured with Bills of Sale
Thought I’d make a post detailing everything I have learnt about Bills of Sale used to secure loans. Hope somebody can make use of it. A Bill of Sale is a piece of archaic legislation (1878) used to secure a loan on goods. In my case I purchased a car using a dealers in house finance and a Bill of Sale was used to secure…
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car credit for poor credit applicants
Could anyone tell me any companies which take on bad credit deals for people with defaults and they report conduct of car loan to eventually improve credit history by repaying them
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Was I mis sold a second mortgage?
About five years ago I came across a local business that had been established for 30 years. It had a great local reputation and was up for sale as the owner wanted to retire. I looked into the business and did a full and concise business plan. Although ALL the banks agreed that the business was a success and a viable…
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Re-paying a Welcome Finance Loan early
Hi, I have a remaining balance of £4K and i am in a position to pay this off. What do i need to know in order to pay this off early?? Thanks
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PPI Claim lloyds TSB
Guys, does any one know how we claim on our PPI with lloyds and if we were to claim ( due to redundancy ) will it effect our other banking items with Lloyds?
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Payday Loan Help Needed
Hello all I have to date avoided letter/emails/SMS/phone calls regarding 10 payday loans I now cannot pay in full or afford the rollovers. I just need a bit of time to sort out what I can and can't pay. So I can at least make contact with them does anyone have a "interim" email/letter template wording I can use saying "I…
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Black Horse HP - final payment amount
I've been on a PCP HP arrangement with Black Horse on our car and back in November I agreed to pay the remaining balance in January. I rang Black Horse to confirm that they would write to me with the final payment advice which they said they would. I've just checked my Nationwide account today and Black Horse have tried to…
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Up front payment
I am trying to get some sort of a loan for a new car and i have just gone on the black horse loan website and filled out the form anyway i have just had a phone call saying i had been accepted and the money would be in my account in 3 - 5 working days but before it could be completed i would have to pay £59 upfront as they…
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HFC - Early Payment
Hello All, Jus contacted HFC about a computer I brought from PC World on a buy now pay later deal (12 months 0%). The deal runs out in Feb (otherwise it shoots up to 29.5% apr!!). HFC run an early settlement fee of £25 if you pay the balance before the due date (not sure why it costs £25), but get this - even if I pay on…
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Question about a Natwest loan
Hi A friend of mine applied for a Natwest loan today (Sunday). She is already an online banking customer and it advertises funds to be available the next working day. She says she has been accepted which I'm assuming means in principle ie passed the credit check? It did say that they would send her documents out for her to…
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Wonga's horrific Customer Services!
I applied for a short term loan from Wonga and successfully got accepted. I was waiting for my funds to come through, nothing came, so almost a week later, i thought I would call to see what the problem was, Eventually, having called the office several times, i found out that i had miss typed the last digit of my sort code…
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Slightly stupid car loan - need to get out
Hello This story concerns someone supposedly intelligent and well educated taking out a stupid car loan. I am now looking to make more sensible arrangements and would be grateful for any advice. In May 2008 I bought a Golf GTi with a downpayment, loan and balloon payment with VW Finance. I was a bit giddy after passing an…
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Help I need a loan but have bad credit history???
Help I need a loan but have a few defaults on record from 2006. Does anyone know of a company that will lend me up £10,000 ???
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Credit Issues Ltd
Hi does anyone know the latest on Credit Issues Ltd I have not heard anything back from them in over 6 months, no replies to e mails, Was it a scam? They said they would refund money if they could not do any thing. Any advise would be great.. Thank you for reading my post.
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Ex partner's debt
My ex partner left our property a year ago., He has recently stopped paying a direct debit payment for a interest free credit agreement with HFC. He thinks I should pay the dd as the furniture is still in our joint property but I have told him to take it as i cannot afford to pay for it, He has defaulted on two payments…
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Santander Consumer Finance
Hi there, I'm starting a new agreement on a new car with Santander Consumer Finance, I've been told there is a £149 initial fee on top of my first payment..? I'm not sure this is normal... Has anyone else had this and confirm its right? Seems a bit steep!!?
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Document and Redemption Fees
Hello, Just reading through my Credit Agreement and noticed that there is a Document Fee of £450 and a Redemption Fee of £150 which has been added to the interest to calculate the Total Charge for Credit. Does anybody have any idea what these are, a google search says that a redemption fee is a penalty for paying off the…
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car loan? wait till default has gone?
i need to invest in a new car asap , my old ones dying , im probably going to get finance , should i wait until the end of february when the only default on my credit history has been removed (6 years) , i took the experian credit score and got 865 with that on there , ive been at current address for a year , FT employment…
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How much does the loan amount effect probability of acceptance?
Hi all, I need a loan for some orthodontic treamtment, the total cost of which is about £3500. I have 2 options, either get a small loan (£1000ish) for the deposit, and then pay the rest in monthly installments over 15 months (an option offered by the dental surgery), or take out a loan for the whole amount. Drawback of…
