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Help with MBNA, been charged for late payment but i pay by DD?
I just received a letter from MBNA telling me I have incurred a £25 late payment fee but I wasn't late on payment. I pay by DD every month and due to the bank holiday weekend at the end of April my payment was taken on the 3rd of May and usually its the 30th. There was money in my account to cover the payment so I wouldn't…
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Some advise please?
Hi can someone tell me where I'm going wrong? Recently my car started playing up, so I started looking into buying a new one, and getting a loan to pay for a nice car that won't fall to bits all the time. I have applied for a few but they all decline me for a £7300 over 4 years loan? I've checked my credit score on…
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Santander taking extra direct debit?
Hi folks Im looking for advice please. I have a loan with Santander, my payments are on 28th of month and were made at end of April as normal. On 19th May, they took an additional payment direct from my bank of £174 without warning. It caused me to miss a payment for something else and incur charges. I spoke with Santander…
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Loan Advice
Hello there, I am currently in the market for a loan, but before going off and risking a no which will go on my credit report I wanted advice. I am looking for a loan of £5000, this is to pay off a large chunk of my credit card which has a balance of £6900 and a limit of £7000. Although 'debt consolidation' is not ideal it…
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Advice Needed Please
Hi, I've recently bought my first house at the beginning of the year. I am managing the monthly payments and bills okay so far. The main problem I have now though is that the finance for the car I got three years ago is due to run out in approximately a month and I owe a 'final lump sum payment' of £3,500. I do not…
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MSE News: Small loan rates at 11-year peak
This is the discussion thread for the following MSE News Story: "Moneyfacts blames the hike on the increased risk of people defaulting on loans, as household finances remain stretched ..." Read the full story: Small loan rates at 11-year peak
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Loan Help
Hi Im looking for a debt consolodation loan of around £2500 - £3000 but the trouble is i need the loan to pay my debt but building up this debt over the years has resulted in me having bad credit which means getting one loan to pay the others off seems so hard to do as i get turned down for having bad credit. is there any…
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Santander Loan Overpayments
Hi All, Maybe someone can help to save me phoning Santander. I recently took out a loan with them to replace an out one at a higher rate. when my credit card is paid off in a few months i plan on making some massive overpayments on my loan to reduce the term. Can i do this through my internet banking or do i have to phone…
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Helppp :-(
Student grant repayments Hi, last year i had to leave college mid year due to mental health issues. the student loans paid me my grant for that year still, and now they are asking for it back £2000. they were sending letter after letter and so by the time i called them ( i had moved house so didnt get the letters untill…
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Can any one explain why im have trouble with loans
Hi, Been lookin at a few loans recently. Although I don't have the very best credit score I believe I have a fairly good one. That's besides the point at the moment. I have tried to apply for ONE loan with sainsburys in which I was turned down. So I have tried to do a search on loans suited to me(doesn't do a credit…
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Dumfounded by the banks
I recently applied for a loan to pay off credit and store cards. I went with the bank I have an account with (A&L). The advertised rate was 6.9%, my credit rating, according to experian, is excellent. So why would the bank come back and accept my application at the rate of 12.9% APR - a full 6% above the indicative rate. I…
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Barclays loan. Lost job. Advice needed.
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credit rating score
Hi all just had a look at my credit score on credit expert experian and got excellant but with equifax i got good. they both hold the same information but sore me differently. think its a bit unfair as i have just went for a morgage and got turned down on my credit score. the bank checked my score with equifax. think the…
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GMAC finance help - urgent
I took out finance with GMAC for a Vauxhall Corsa in April 2009. Everything was fine, but then ran into some difficulties and couldnt pay. Due to anxiety/depression issues I hid my head in the sand until they threatened to re-posess the car. At that point I managed to borrow some money from my gran to pay off the arrears.…
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Citroen Finance Deposit
Hi, I have recently put a £250.00 deposit towards the car on a Demo Citroen DS3 which cannot be collected until 28/06 as it is registered as a demo. Since then my job situation has changed and I can no longer afford the car and want to get a refund on my £250.00 Is there anyway that I can do this? Or is there legislation…
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early repayment charge? quick question
hi im looking to take out a loan for aprox £2000 the repayments over 5 years would amount to roughly £3500. i plan to pay the loan off in several months after selling a car. i will incur a early repayment fee on the standard interest rate of 58 days. what i want to know is will this be ontop of the £3500 or will i only…
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Car finance - alternatives
I'm looking to purchase a new car at a price of £35k and looking to finance over 4 years but I'm having real troubles with the car financing. They are charging APRs on PCP and HP of 11%-13%, effectively forcing me to pay 20%+ on top of the new car price. I appreciate that the value is outside the normal £25k max of…
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Cahoot Loan
I'm in a mess with Cahoot who are now owned by Santander. I have a flexible loan which works like a credit card, where the minimum payment reduces slightly each month as the loan is paid off. I took out a loan in my name for my husband, so he sends me the monthly payment each month as the direct debit comes from my…
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Re bad credit loan help ?
I have made the mistake of trying to get a loan through one of the doggy loan brokers , and have excepted i have been a idiot . Question is do any of these people ever give out loans ? my situations is as follows discharged bankrupt in 2007 ( made in 2006 ) will be off my credit file next year , have one current ccj self…
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recouping money from x
I have been made by te courts to pay my x husbands bankrupcy as I had the house after the divorce. 5 years on he is remarried with a goog job house and assets. Can I get him to pay some of the £55 k back which I have been paying as a additional mortgage on my fathers home.
