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Ford Options Cash Plan Loophole
Hello all, not sure if I should be posting here or under the motoring section. I've just put down a £200 deposit on a Ford Focus (second hand 2010 plate) from a Polar Ford dealer with the balance to pay on Saturday when I go to collect the car. Now, I've already got a great price because I am a cash buyer but last night,…
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is our way of living ok?
don't worry, i don't want to.
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Welscum Finance Secured Loan Query
I hope someone could give me some advice, I took out a secured loan in June 2007 for £15,985 (it coincided with purchasing my first flat, and was used to clear any other loans and to install a kitchen etc.) I was doing a PPI query with Welscum and asked for a full statement, which I received today. (I've not got any PPI on…
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Credit Rating Dispute
Edit: being resolved elsewhere.
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Black Horse Loan details
Hi all, I closed my loan with Black Horse in 2007 and disposed of all the documentation that related to it. I contacted them today to get hold of copies as I would like to persue a PPI claim, however, they have told me that they don't have my details and that I need documentation to back up my loan agreement. Do you know…
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My Bank Loan ended in April 2005 with PPI. Is it worth me logging a claim?
With the latest ruling on the PPI im thinking i might as well put my case forward and see what happens. I know as it was over 6 years ago so my chances are reduced, however although i have no written proof i remember the details quite vividly. I applied for a loan with HBOS for £5000 for my first car. When i applied the…
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Bank loan or credit card application ??
Recently I was approached by Barclaycard offering a guaranteed Barclaycard Platinum card, I accepted it.... I need to purchase a second hand car... my question is this.... reserving the Barclaycard for a balance transfer which I will sort out shortly... is my best move to apply for a Creditcard with a super balance…
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Card PPI mis-sold...but in 2003: Too late?
Hi, I believe i was mis-sold credit card PPI from Citi Cards/Associates in 2003, am i correct in thinking that it is far too late to claim?
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Mis-sold secure loan
Hi I am new to this forum and I am after some advise. I have spoken to the CAB and they were not very helpful. In October 2006 I purchased a 1 bed flat in a good area, (I was getting divorced from my wife and had a 97% mortgage to loan value on the flat only put £5,000 deposit down) Anyway in Jan 2007 I let my then…
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Lending stream
Lending Stream wrongly debited money from my wife's bank account. We have never had any relationship with any payday loan company - let alone Lending Stream. LS have confirmed that the loan was taken out in a different name/address - either with fraudulent card details ... or simple error - and the bank has agreed to…
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Cahoot/Santander Flexi-Loan - statement error
Hi For those who had a Cahoot Flexi-Loan, now administered by Santander there is an error on my three page May statement. Although the back page shows the correct balance after the direct debit and interest listing the front page has ignored the payment, meaning that the balance has actually gone up. The minimum payment is…
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Attention all Provident Customers
YOUR CREDIT RATING COULD BE IN FREE FALL. YOU MAY BE ENTITLED IN HAVING YOUR LOAN WRITTEN OFF. You may or may not be aware of the recent changes that Provident have made to your agents commission. These circumstances may well result in an adverse credit rating for you. Lots of agents are leaving due to the unfair manner in…
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£5k Loan Over Two Years (Poor Credit)
Afternoon to all, hope you're all good. :) Thought I would sign up to the forums and become an 'official member', after a couple of initial visits, browsing through the site / posts etc. Seems like a top place to pick up valuable and useful info with a lot of knowledge about. :) A bit about my situation, although it seems…
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Car Loan agreement, consumer advice say it may not be enforcable?
Please can some savvy people give us some advice? We recently bought 2 second hand cars, traded in ours, and we have had numerous problems with mine (a 57 zafira). Reviews on the internet say this company is terrible lots of people saying the same as me, gosh I wish i'd checked before we got rid of both our cars. (we…
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electoral roll not on credit report
i'm thinking of extending my A&L loan from £900 to £5000. I've been living in my new home over 1yr and got on the electoral roll a few months back. Before applying for the loan i checked my credit report but it shows i'm not on the electoral roll at my new address. Which i am cause i voted last week!!! Now i'm scared to…
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Joint unsecured loan - to apply or not to apply
Hi - am very new here but can't find decent advice anywhere. My husband and I are looking to restructure our debt to make moving to a larger house (slightly larger mortgage) more affordable and move some credit cards on to stuctured repayment. Our bank (HSBC) turned us down for the loan though. Info as follows: - want to…
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Can't get credit :-(
Hey guys.... Really hoping for some help, feel like I don't know where to turn at the minute I've got myself into the position recently of relying on payday loans. I took one out in February to help with some extra expenditure, paid it back on payday, then got half way through the month and found myself short again... this…
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Not accepted for the same loan as last month?! Help
Hmm, can someone help me with my issue please? I'm currently looking at buying a 2nd hand car and selling mine. Although i dont have the specific car in mind i am willing to pay between £9k & £11K for the car. I am not sure whether to trade mine in or whether to sell privately... i'm telling you this because until i pick…
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Help with recommending a loan lender
can any of you help with recommending a loan lender - need a personal loan of 10k - credit rating not excellent as few late payments husband just got accepted with lombard for business loan but we have decided we dont want that loan as its basically hpi can anyone recommend a lender who can be good at accepting people like…
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Please Help
Please help me as I work long hours and don't have time to visit the Citizens advice bureau. My father divorced over a year ago and temporarily lived at my house for a few months.Whilst living here he took out a loan with Alliance and Leicester now known as Santander.As he didn't have an active bank account I set up the…
