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Negotiating reduced payment in full and final settlement?
I took out a loan in 2004 for £5000 with the Halifax. After falling behind on payments, the loan was referred to Blair Oliver and Scott who it seems, from reading other posts, are part of the Halifax. After making a payment of £1000 in 2008, I've been making payments of £70 per month. They have contacted me since to revise…
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Negotiating reduced payment in full and final settlement?
I took out a loan in 2004 for £5000 with the Halifax. After falling behind on payments, the loan was referred to Blair Oliver and Scott who it seems, from reading other posts, are part of the Halifax. After making a payment of £1000 in 2008, I've been making payments of £70 per month. They have contacted me since to revise…
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I've ended up with 2 loans - only need 1
Hi all. I applied for a loan on line with Marks & Spencer as they were offering 7.1% APR. While waiting for this to be approved, I also rang my bank and they approved the loan within 30 mins but at a higher APR. I have since heard back from M&S that the loan is approved but not on the terms offered on their website ie…
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Help needed
Hi first time on here. In need of some advice. I have a £2,100 overdraft, a £2,800 barclaycard and £750 on another credit card. I've applied for a loan with sainsburys, tesco and been declined. I checked my expirien report and there are absolutely no issues. I'm keen to pay off the debt in one monthly payment each month of…
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Being bullied by Mercers- Barclays Debt Collection
Hi there, About 3 years ago I signed up with Red Driving School here in Northern Ireland and took out a loan set up by Red D.S. Through Barclays Partner Finance, which was interest free for the first year. This loan was for £3,645.00 The way it was explained to me by the RED Sales- Rep was :- That you have a full year to…
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Can you have more than one personal loan with the same company?
Hi, sorry if this is a daft question! About 3 years ago my husband and i got an AA loan to consolidate 2 small loans we had. We are now looking at consolidating other debts (credit cards and a few other bits) and again the AA have a reasonable APR (i'm wary of applying for a very low APR in case we get refused, we have…
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Loan for Agency Worker!
Hi all i was after some advice on gettin a loan of around £3500 for a car purchase im 21 and i am working for nestle throught a onsite agency an have been there for nearly 8 months an although it is agency i would say its pretty secure as a lot of people have been working there for 1-3 years through the agency , has any1…
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Equifax credit scoring
At the end of January I was refused an interest free loan by a very well known DIY store. In all my life I have never been refused credit so I was very surprised by this. I immediately decided to check my credit score. First up Experian who scored me as excellent. Then I looked at Equifax who appeared to have two items of…
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Loans 4 You?
Hi, I've looked online for ages for some advice on Loans 4 You, but cant find any reviews or anything for them, just loads of different websites! Basically they are a poor credit broker and I just wondered if they are dodgy? I've applied through them and have received a text from FLM loans saying I've been approved for…
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can anyone advise-mortgage credit check
Hi, I put this in the credit report section but don't seem to be getting any replies so thoguht I'd try here. I haven't posted for ages but have been a long time lurker and have had some great tips so thank you! My situation is this: We applied for a mortgage via Halifax (our bank) after we were told we had been pre…
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Do I need to do anything???
Hi guys I have been having a feud with welcome finance for some time over a ppi claim on 5 old accounts. I have also complained that the default notice & the CCJ that has since come about are not legally enforcable because the legal proceedings were started & finished when a correct default notice was not in place. Today I…
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Car Loans
Hi everyone, I wonder if anyone could help me. I am currently looking for a car as I am moving into another role at my work which doesnt require a Company car that I have had so will be giving it back. Now I have not really got any savings, bad as I know it is I have only recently realised I should start saving as I am…
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Car overdraft and credit card advice
Dear all Im in a little bit of dilema, i`m hoping to borrow £3k for a new car but i still have credit card balance of £1.5k and an overdraft balance of £2k. I can afford to pay £300-350 each month. Im not sure to either get a loan for the full value of £6.5k or transfer my card to another credit card and go for smaller…
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sainsburys loan
Hi all, I am new to this site and would appreciate your help and advice, I have just taken out a loan with sainsbury's for £16,000 I am due to start payments in April, since I took out the loan my financial situation has changed and I would like to finish the loan, I have read my agreement and it says that the total credit…
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car finance or loan
hi all, am looking to buy new car, price is around 28,000 i have 10,000 and need to borrow the other 18000. not sure yet if going to buy from dealer or private seller but if i go to a dealer obviously be offered finance, but is it normally a better deal then taking out a loan myself with a company? cheers
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Loan application if new to a job
Just wondered if anybody could tell me whether it is even worth applying for a loan if you have only been in a job for less than three months? Was at my last job for 14 years but I guess that wouldn't even be relevant to the application.
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How to buy a Car??
Hi All, First time poster, useless with money so looking for some advice on best way to buy a car. The car in question is £19405 on the road, I have a loan out on my current car and £8500 is outstanding, however I think the dealer will only offer me 6.5k or 7k at most for it. I can put £1000 to the cost of the new car.…
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Ex Partner causing me Grief, please help!!! ( Loan )
Hello there, My ex partner took out a loan in his name about 3 years ago, most of it was for his new car, to pay off an existing car, and to consolidate a few bills we both had etc household bills. So its in his name, and hes been making the payments himself since it started/also making them now We split up a year ago, we…
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Beneficial Finance - Dead company?
I have been told that beneficial finance had been closed down by their parent company hsbc. Is this true? and if so is their a legal way i can get out of this loan with what i consider to be a dead company? Im not very knowledgeable on these matters, any help greatly appreciated.:)
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Student Loans Help Needed Please!
Basically, I want to study for a degree in sep 11, however the fee costs £4950, £1660 above the £3290 limit from student finance, does anybody know the best way where I can pay the excess please?
