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Alliance and leicester rip off
I applied online for an alliance and leicester(santander) personnel loan last week and recieved an email within minutes saying id been successful and they would send me the application to sign and return. The loan was the best interest rate i could find online 6.9%. I recieved the documents to sign but they had changed the…
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Overdraft Usage Fee!!!
Hi all, first post. Im unemployed, actually Im incapacitated because of a trapped nerve in my back, I'm also trying to live day to day with depression. Im not talking about the depression everyone gets over money or work. This depression makes me want to destroy myself and has had a good try at succeeding over the years. I…
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Full and Final Settlement - lease agreement
This is regarding a car lease agreement, not a loan, but wasn't sure where else to post it. I sent a cheque "in full and final settlement" for a car lease, and the lease company cashed it. Can they now demand the extra they claim is due? We dispute the extra amount - they say it's for damage repairs, but in our opinion the…
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Payday Loan
I've just took out a quick payday loan to cover emergency expenses, The payment date is set for the 10th june 2011, However i wish to repay it early next week when I'm paid from work. Would paying off a credit agreement early adversely effect my credit rating ? Or will it have the same effect as paying the loan off on time…
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Loan Help
Hi All, I was wondering if anyone can point me in the right direction in sourcing a loan? Unfortunately my credit history was hit by a stupid default after RBS failed to update my address and my overdrawn balance was passed over to a debt collection who tracked me down. Anyway...i'm still at a point where my credit score…
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Default Notice Advice
Hi, I recently recieved a letter from a company called Mackenzie Hall saying that they have purchased a debt from a company called Quick Quid. In the letter it states that Quick Quid have registered a default notice on my credit file. After checking my credit report it says that they (Mackensie Hall) registered the default…
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Monthly finance credit checks
I'm 18 years old and have NEVER taken out any form of direct debit credit before, and now I would like to take a 10-month interest free finance deal out on a musical instrument. Total cost is 10% deposit then 9 monthly payments at 10%. Apparently this finance is specially for 'people aged 18-25, looking to build up…
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Provident fresh start after default
Hi, Trying to sort out my debt (cleared 3 in past few months). I have currently started a fresh start loan with provident which I failed to pay back due to many reasons - mainly my own stupidity- so the loan I am paying back is the dafulted loan. Now on my credit report it states: Provident (default) (same loan) Provident…
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secured loans and a mortgage
Please can anyone help~? i had a mortgage with my ex husband, he left three years ago, and i have been paying the mortgage on my own, but split our first plus loan £125.00 a month each. I want to hand my keys back to my mortgage company (northern rock) as i cannot afford to pay the mortgage pay half the loan and pay a pay…
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CCJ I was never notified about
First post here, so bear with me. I'm not even sure if this is the right forum for this! I recently had a credit report done, and I have found out that I have a CCJ from Canterbury court about some credit card debt (EGG card, to be accurate) I got into about 3 or 4 years ago. The CCJ was issued at the start of 2010, for…
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best reason to specify to get an overdtraft?
Hello everyone need your advice. we are moving home in 2 weeks, private tenants. deposits, agency fees.. in total I need £2,000 we are both in full time employment . the thing is, at the moment we have no savings at all. a family member passed away and everything was spent on flights home, funerals, and so on...my credit…
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Ford Credit help!
Hi and thanks for any help in advance and sorry this is long! My partner brought a car on finance from ford 3 years ago on their options plan with a baloon payment of 3k at the end of the agreement or we could use the car to part exchange for a newer model. My girlfriend has been with ford credit for 6 years and has never…
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Professional Career Development Loans- Tips??
Hi everyone, I am 22 and just about to start the BPTC in Manchester Metropolitan University. I know that Natwest and HSBC offer loans for law students up to £25,000. I wondered if anyone knew of any other loan providers (hopefully with lower interest etc) or of any scholarships or bursaries I could apply for? Or basically…
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Car Finance/Loan with existing debt...??
Hi At the moment I have a company car but my employer is stopping these and from the autumn we will get a car allowance instead (will work out to around £200 a month). I am currently in a lot of debt(!!) but just about managing to pay the minimum payments every month, I have never defaulted and have checked my credit…
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Unsecured loans above £15k
Been having a look around, and it seems like most lenders won't give more than £15,000 as a personal loan unless I secure it on my house. Anyone know if there are some exceptions, that don't charge silly interest rates? Thanks!
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Sallie Mae UK student loan repayment
Hi, I had taken up a loan with a private student loan company Sallie Mae UK in 2007. I know they went bust not long after that and I have not heard from them since. Now some company called Total Credit Financial Services UK Limited has contacted me via email claiming that now they are in charge of the debts and I need to…
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Welcome Finance
Hi. Couple of points; I owe WF £21k after borrowing £26 6 years ago. I have 3 years left and I pay £270 per month. WF have recommended increasing the payments to £500 per month as they say this will save me £8k in interest alone, however, the say they can't put a payment schedule together as it's just an approx saving. I'm…
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Loan to pay stamp duty
Hi there. I am looking for a bit of advice regarding a loan to pay stamp duty. We have had an offer accepted on a house and a few weeks down the line have realised that we need to pay stamp duty. We were told originally by our mortgage broker that we would be exempt but because of a legal technicality are now going to have…
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Vast Difference in Credit Scores
Hi, I am looking for a 5K Loan and done a series of credit scores. Equifax and Callcredit give me a Score within the "Poor Credit" Rating However, Experian have said I have "Excellent" Rating Which credit provider is most reliable and is there any lenders that will use Experian only? Thanks
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Robinson Way harassment
I was wondering if anybody could offer some advise on Robinson Way? I received a letter a few months ago saying that a owed £6.5k from way back in 1999. I have no knowledge of this dept and the address that they claimed I gave for the loan was not a placed I lived until 2005! After a bit of research I downloaded and sent a…
