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Car Finance Help?
Hi recently hopeing to finance a car i have a £1000 deposit but i dont have a very good credit rateing will this affect me? and also can any 1 help with advice? Kind regards:cool:
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Help with welcome finance loan?
Hi, I got loan with welcome finance 7 years ago on my house I owned but now I don't have the property and private rent is there any way I can get out of this loan?
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Secured Loans
Hi Can anyone tell me how I can find out if someone has taken out secured loans against my property. Thanks
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small property loan
hi im new. im tring to find a loan to buy a pair of garages that are for sale on the same street as my parents house. the are up for 30 thousand. im moving back to my parents property at the end of this month from a rented place. so i kind of see them as an investment and a bonus (as its hard to park on the road) im…
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Information from CreditExpert
Hi there A few weeks ago I went to my HSBC branch to apply for a personal loan for £15k. I was refused and told that I had a CCJ against me. This was a complete surprise and I checked my credit report with Experian aka CreditExpert. I found that this was for a store credit card from 2001 that I thought had been paid off…
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Help Please - Welcome Finance Secured Loan Agreement Advice
Hi Folks, I am new to the forum and wanted to ask some advice about secured loans from Welcome Finance. My parents took a loan from Welcome Finance in December 2004 for £8000. The loan term was over ten years at 21.8% and secured on the property. I`m not a financial/legal expert, but there are a number of items on this…
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Credit Law & Early Settlement Fee
Hi all, A friend has advised that the Credit Law recently changed in respect to Early Settlement Fees & that ever since this came into effect, one can not be charged/penalised for settling a loan early. Is this correct? And if so, when did this come into effect (I was told earlier this year -2011). Thanks so much for your…
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Need some advice... (Cygnet Finance)
We got a car from ACF/Cygnet finance in Sept 2009. we have been paying them every month without fail since then. We stupidly cancelled the "warrenty" at the time of the purchase, but was unaware that it covered the GAP insurance. Our car was written off as a total loss last week after i was driven into by a land rover. The…
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default
I took out a loan for an ex partner in 1999 when we split up 2 years after, I defaulted on the loan. The loan was for £7,000. For the past 4 years I have been paying £20 per month. I now owe £6700. I really need to get this paid as it is effecting my credit rating. I am upto date with everything else and have been for a…
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WAGEDAY ADVANCE payday loans-HELP ME!!
Hello, very stupidly as i have come to now relalise i took out a payday loan thinking it was helping me out of a very sticky rent paying situation,and for my daughters 2nd birthday as she didnt get to have a 1st birthday as my nan was dying in hospital. it helped and i got out of trouble with the landlord, then i found i…
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Credit Rating questions?
Not sure if this is in the right place, but I'll give it a go. Got a few questions about my credit rating, I have recently got my credit rated by equifax and creditconfidential.com but both had totally different results. Equifax gave me a very poor 212 however, creditconfidental.com gave me a slightly better 568 Who should…
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Halifax Loan incorrectly passed to Debt Collector
Apologies this is so long - just want to get it off my chest too! Took out loan with Halifax, completed paperwork in March, money went into my account next day (also Halifax), first payment due in June - everything was hunky dory. Completely out of the blue I got a letter last Thursday saying since I had exercised my right…
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Claiming interest on mis-sold loan payments.
Hi. I am currently claiming from my bank for mis-sold PPI. I assume I should claim back the interest I have missed out on over the course of the past 4 years as well. Is there a straightforward way to workout what this interest may amount to? Thanks.
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Catalogfue account cover plus?
ssorry sorry
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Loan Extra Information Advice
Hi, Applied for a loan online with NatWest, they've sent the papers to be signed, but on the back they've requested 3 months bank statements and it says they must be originals. The problem here is I shred my statements as they come in. Does anyone know if they'd accept print outs from my online banking?
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Early repayment advice
Hi, firstly I've had a quick search and look at the stickies but couldn't find anything, if i've missed it I apologise I'm curious as to how early repayments work, have been looking at a small loan to consolidate some credit card debt Now I only need about £3000, however looking around I was looking at 20-30percent apr..…
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MBNA Debt Settlement
Hiya Hope someone may be able to give me some advice. In 2005/2006 i was in a fair bit of debt with credit cards and a loan with MBNA. I went to a debt management company defualted on payments and they arranged to have the interest frozen and pay a reduced rate. After being with them for a while i decided to leave the DMC…
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Loan Repayment Holiday
I have a personal loan with Sainsburys Bank and I have come into some financial difficulties. An ideal solution would be a "repayment holiday" to get a break from my repayments for 2 or 3 months. However, as far as I understand, you can only take a repayment holiday at the start of the loan period. Can anyone let me know…
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Help Needed!
Hi, Can anyone help me with a template I can use to send to a creditor to advise them of financial hardship & requesting to see if I can agree with a payment plan to clear the debt over 6 months? Thanks
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Settled loans and PPI
Hi, In light of the recent news regarding PPI payments oh and I have decided to look at what we may have paid. However, we have loans that have since been paid off, and I cannot find the credit agreement, only letters regarding account numbers etc, how would I go about finding out if we did have PPI on these loans? My…
