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Blooming Finance
Has anyone heard of this company, if you have could you let me know what your experiende was of them. Mine has not been good and i would like to know if anyone else has had the same problems
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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…
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Can I refinance my current Loan
Hi All, Now I get offer to refinance my mortgage loan. Currently I'm having a 20 year mortgage with 8% interest rate. Right now 12 years completed, and one bank is offering me an refinance for that loan with 7.25% interest rate, Is it worth to go for refinance or continue the same. Thanks in advance
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Unsecured loan - joint debt
Hello there Myself and my ex partner took an unsecured loan out for £30k in July 2007 when we bought a house. We split up shortly afterwards (!) and the debt still exists. I made an agreement with Northern Rock via the County Court to pay £20 pcm off the debt, which I have kept to. Sadly, my ex has not been maintaining his…
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Mileage penalty on a HP Car
I took HP out on a car in Jan 2009. The contract states that I will have to pay 6p for every mile I travel over 10000 in a 12 month period. I have kept up with all the payments. I would like to hand the car back but the finance company says that I can not do this until 50% of the total finance is paid. This will not be…
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Need advice on overdraft I can't pay off please
The gist of the story is that I was a student and had a £2500 overdraft with the Bank of Scotland, I have now finished uni and they have changed my student account to a graduate account and are charging me £1 per day for the privilege of having the overdraft. The problem is that I can only afford to pay in £31 a month to…
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Help! Outstanding overdraft (Legal action imminent)
Hi guys. This is my first time posting here so I am not really sure if you can help me or not, it would be greatly appreciated if you could however, as I am in quite the panic. OK, so here's my situation: In January of last year I opened a student account with HSBC in Liverpool when I was a student there to take advantage…
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720% APR - Is this the most expensive loan ever?
Hi All, I have have a credit builder account, which basically means that I pay £4.95 per month and the payments gets recorded on my credit history file. Recently I received an email from the company advising me that I had pre-qualified for an iAdvance loan of up to £100. However, I couldn't believe my eyes when I saw at…
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How long does experian take to get up to date?
I recently applied for a loan through online banking and was turned down. I couldnt figure out why so I got my Experian report. I found that I had two small amounts owing and that the experian didnt have my up to date address. I have now changed my address with experian, they have up to date electoral roll info and I have…
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Payday loans I cannot afford
Hi all Have been in a complete panic for months, rolling loans and borrowing more just to stay afloat and have finally realised that I have reached my limit and just cannot afford to pay anymore. Came across so much info on this site last night and suddenly realised that there are other option, so thank you all that have…
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Loan from family/loan insurance
Hello ! I’m new to the forums, so I hope someone can help please. (I was going to post in the section about cheap/alternative forms of loan insurance/PPI (payment protection insurance), but most posts seemed to be about cancelling/reclaiming it.) Apologies if someone has already covered this subject, or if I’m posting in…
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CCJ Advice
Hi there Last July I was offered a personal loan by my bank HSBC for £15k. As it happened I didn't need it and let HSBC know. Yes, I know...a bad move! Last week I met with a financial advisor in my branch and applied for a personal loan again. I was told it had been declined because I had a CCJ against me and an unpaid…
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Need a small loan, but need to spread the payments more than 1 month.
Here's the details: We've booked a vacation for this summer. We had some unexpected expenses which through our saving for our hotel(s) off so might fall just short of what we need before we leave the end of June. I currently take home about £690 or so after childcare vouchers are taken out (I work for the NHS--30.5 hours…
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Txtloan
I need some serious advice folks - I had gone belly up with a payday loan company, and have had a payment plan setup to repay my balance. The repayment structure is for every 28 days, and its £20.00. Today they took the payment a day late, and took the full balance of £350.74. This is surely a fraudulent transaction? I…
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Loan accepted in principle
Hi everyone I could do with some advice on this. I am an existing loan customer with Tesco. I noticed that they are offering top up loans to existing customers. I called them to apply. I gave all details and the lady put me on hold to do a credit check. About 5 minutes later she came back and told me that she was delighted…
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Car loan when already in HP loan
Hi, Basically I've had an HP agreement with Welcome Car finance for the past 2 years. I got a car from them as I had just finished uni with not the best credit record. Anyways I'm wanting to get a new car now as I want something a bit better than what I have. So I am wanting to terminate the HP agreement as I've paid back…
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Car Finance
Hi, I have previously had a lot of credit problems which are now under control, are there any companies that will accept me for car finance? I'm 26, work full time, earn just under £16,000 per year and I'm a tenant. Any suggestions of which companies to approach would be great
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Where to get a loan
I'm in need of a loan 2900 to be exact over 2/3 years, 1000 is to pay off rent and the other is for furniture and few other things for a new house im moving into, anyway I need a loan, have been looking at loans as fun as that is, picked out few with the help of MSE :) Anyway I was declined for one tried another decined, I…
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Setlement figure for loan
Hello I would appreciate anyone who can give me advice. Very new to this so bear with me .... Three years ago, we took out a loan for 7,500.00 pounds with a PPI of 1,324.65 pounds. Which is a total of 8,824.65 pounds. total amount including interest on that loan is 9,132.30 pounds which includes the interest of 1,632.30…
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Unfair Pay Claim
I am a male employee employed in a Finance Office, I found out that a female colleague was paid £6K more than me. We have similiar roles in terms of responsibility. I qualified as an Accountant two years ago, my colleague does not have any qualifications. Do you feel I would have a case for an Unfair pay claim?
