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Still Paying Flexible Loan After 9 Years
Hi, I feel bad having just registered but really need advice as I am feeling at a loss and trapped. 9 years ago I took a flexible loan at 7.9% for 3000 which I increased to 5000 a year later to pay off my credit cards. This was with internet bank Cahoot who are run by Abbey National and now Santander. They applied payment…
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Disheartened by my student loan :(
Just manage to find my login details for the SLC website. haven't checked it for years Turns out I currently owe £25,839.18. And it says that is with all the interest calculated up until 31/03/2010. God only knows how much it actually is right now :( Whats the point....................
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Welcome car hp...default letter.. srick or twist? Please help
Hi everyone, I was sacked from my job in nov 2010 and I am about to become self employed soon so I will have an income. Thought I could get another employed job, but this job climate is anything but the land of hope and glory. I have £4500 left on my 12k (total amount payable) hp car. Of course I love my car but I am not…
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Santander giving me a loan to get rid of card?
Evening all, I went into branch the other day at Santander to sort a payment out on my, Santander, credit card. After explaining to her I'd frozen the card and was just paying it off the lady behind the counter said I might be better off with a short term loan with them just to pay it off and might save some money on…
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Alliance & Leicester "Further Borrowing
hi Was looking at the most cost effective means of borrowing some money to buy a new car. The best personal loans rates appear to be around 7.5% APR. I looked at further secured borrowing with my current mortgage provided - Alliance & Leicester. They have a rate at 4.99% APR (4.49 plus bank of England base rate). This…
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Paragon Fianance
Hi There, Really looking for some advice: I was recently divorced in September 2010. My ex partner and i have a secured loan with Paragon Finance and the outstanding amount is approx £25000. The monthly payment is £257. The loan was secured on the property that my ex wife still has. At the moment i am paying the full…
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Final year PhD student - do I have any options?
Hi, I am a final year PhD student (Neuroscience). I worked full time for 3 years and studied part time, during this period I saved in various accounts. Once my employment contract ended I switched to full time study and lived from the savings (This was the plan from the start, it was always just going to be a three year…
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Welcome Finance
Hi there.. A while ago there was mention that people had had issues with the "cowboys" known as welcome loans and had had the remainder of their loans written off due to information missing from their initial loan aggrement. I am currently paying a loan which I took out in 2006 with Welcome and although I have found out…
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Help Required - Putting a Charge on Someone's House
Hi Can anyone please help me ? I'm not 100% clear as to the process for putting a charge on someone's house. If someone owes me money (the loan is clearly documented) - can I put a charge on their house directly ie. going to the land registry ? or do I have to go to court and get judgement before I am able to apply for a…
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Car on HP what next?
Hello everyone, not sure if this is posted in the correct area but here goes.... My situation is that i am a self employed painter and last year i was out of work for 3 months due to 2 factors, 1 was the lack of work and 2 was because i was off work due to an illness that effects the areas of work i carry out which in turn…
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anxious about a career development loan
After many years of hesitating and procrastinating, I've grasped the nettle and have committed to a Master's degree, starting at the end of the month. I've counted my pennies, considered other funding and it looks like the best thing is to apply for a career development loan, so I've done so with the Co-op and am hoping to…
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FLM Help.....
Me and my partner are in a bit of a sticky situation with flm,last year we took a 3000pound loan with them, and agree to pay 108 back every month, so far we have never been late with a payment, last month my partner was made redundent, therefore we have struggled to pay decembers payment which was due on the 30th, so its 9…
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Not Declared on Council Tax
Hi, I'm hoping someone can help me. On March 18th 2010 I moved back in with my mother after walking out on a relationship but have just found out that she has not declared me with the Council Tax bods. I also found out that my ex never declared me either and has been receiving the single person discount for the last 3…
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Tesco loan advice please
Hello, hope someone can help. A family member has applied for £5k Tesco loan and has had a letter and an application pack sent with loan agreement to sign. The letter says that family member has been approved for a loan at a rate of 10%....then further down it says it wants a months worth of bank statements and to sign the…
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''Joint' loan with my name but his date of birth
I have been in a debt management program for the past 5 years, the last debt I have left on it is a Welcome finance loan I took out with my now ex husband in 2005 for £6000ish (the loan now stands at £3000). When I left him and sorted out all my/our debts, the company told me that at some point his name had been taken off…
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Black Horse Loan Settlement Advice
Hi - first post so please be gentle! I have a car loan / lease agreement with Black Horse. During the bad weather in December I had a crash and the car was written off by the insurer. Direct Line (the insurance co.) where supposed to pay BH the agreed value (which by the way I had to spend over an hour on the phone with…
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Interest on late payment
Hi, I have just received a letter from my vet requesting payment for an item they hadn't told us there was a cost for on the day. It's not an issue as I think my husband misunderstood - however at the bottom of the letter there was a note indicating that after 30 days an interest charge of 1.5% per month would be applied.…
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Mis sold Black Horse Loan?
Hi, I took out a personal loan from Black Horse for £3500 to consolidate my debts. I was told they would only give me a loan if I paid off my credit card debts as part of the agreement so I agreed. They deposited £1800 into my bank and said they had paid both my credit cards. I checked with my credit cards and they had not…
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HPI 15 day cool off period - what are the options
Hello, I bought a 6 month old car yesterday and have a dilemma with the finance. The dealer and I negotiated for a while and reduced the price of the car and extras to a total of £9700 including tradein which I would finance with repayments of around £242. I was quite happy with this, and the dealer gave me a written sheet…
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Welcome Finance Defaults help
Took out a loan back in oct 2008 for £2000 and defaulted in may 2009 due to losing my job. After moving around alot stay with friend family etc. Finally got sorted with a secured job only 30 hrs a week though. Now i want to get this problem sorted. I've tried to find the orginal loan docs, but must have been misplaced when…
