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Claimed Loan Insurance - Now Saying Overpaid
Ok, so I have a loan with Lloyds. I lost my job so claimed on the loan protection insurance I had. I told them the truth and gave them all the paperwork they needed. This was in November 2010. Now out of the blue I got a letter saying that they have overpaid me by £948.05! I rang them and they said they paid me for a time…
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Loan Query
Hi, I am considering taking out a loan next year to help fund a new car. I'm anticipating needing to borrow around 7.5k but maybe a little more, all depends on how much i can get the car for and how much i get for my existing car etc. I see some banks are offering personal loans for around 7%, my question is, would I be…
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Beneficial finance/HFC Bank
I took a £2000 loan out with beneficial finance 4 years ago after purchasing a camera from a well known high street store. I was given a card with my loan which was great, untill they decided that I could no longer have a card because beneficial finance was folding. my local branch closed and it is now almost impossible to…
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person not a credit score
Hello, I am new here so forgive me if I am repeating something that has already been discussed. I am looking for help/advice or just information I am 42 years old I work full time. I separated from my wife just over a year ago and due to over compensating with my children I now need a loan of £2500 to clear payday loans…
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Return a car through VT
Hi everyone, I know this topic has been covered quite a few times but need some advice over what to do. I have returned my car through the VT scheme, the inspector came out and has indicated that it requires £468.50 worth of repairs mainly body repairs, however the vehicle is 7 years old and has been repaired in the past…
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Loan with Ex in my name but both incomes listed- can i make her pay her share??
I had taken out a consolidation loan with northern rock which was for both myself and a former girlfreind. the application wanted both of our details but only i signed it off. we since split and that left me with paying over 650 a month as we wanted to pay it off within Two years. i struggled for a few months to pay it and…
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Ways to finance extension
I am looking at ways to finance an extension and home improvements. After splitting with an ex and taking sole ownership of the house I only have 20% equity in my property, right on the required amount to get 'decent' mortgage rates. The extension would add more value than it would cost, but I am unsure of the best way to…
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how long to take to get a halifax loan?
Official MSE Insert: If you've arrived from Google, our fully researched Personal Loan guide may be helpful. Back to the original post... hiya, anyone know how long it takes to get a halifax loan when you apply inside the bank? is the money avaiable immediatley or a few days later? thanks
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confused about all this PPI Claims??
Hi all I've had a call from one of the many companies who are getting back money for wrongly sold PPI. I'm not using them as they want £299 up front - no way!!! Anyway i'm a little confused, I told the company i don't think I had PPI with my Loan with Abbey National. The loan was for £20,000 taken in 2006 for 8 years,…
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Zero Percent finance - discount for cash question
Hi all I'm looking to purchase a new sofa suite that is marked in a sale; 3 seater £1899 down to £1299 2 seater £1699 down to £1199 Armchair £1299 down to £899 I'm not a great one for bartering so can I ask how much should I be looking to get off the current ticket price in these times? Secondly when I enquired about a…
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Alliance & Leicester
Just out of interest, I was looking to see what loans would be available if I had a good credit rating (I don't at present). Amongst those recommended were Alliance & Leicester. When I checked the qualifying criteria it said: "Must not have been bankrupt or had a CCJ". My question is, I know CCJ's fall off your credit…
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Overpayments on a loan question
I will be taking a loan out in the next year to pay for a new car. I will have a budget of approx £300 per month for repayments, but am looking to get a loan of an amount and repayment period such that the monthly repayments are between £150 and £200 per month. The idea here is that i then have a safety margin; most of the…
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advice on lenders please - new loan
I am looking to apply for a £5,000 loan but i am unsure of which lender to go with; i had a £15,000 3 year loan with Zopa which I cleared a few months ago, I re-applied instantly for the new loan but this was rejected even though i am in the same financial situation. This was a few months ago & Zopa was the only lender i…
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defaulted on lloyds tsb loan
ok here goes iv come across one of lives little problems a few years ago i took out a £2000 personal loan from lloyds, i was earning around £28,000 a year and managing really well with my finances, lloyds offered me a credit card which i just ran up really quickly, i was called into the bank and took out a further loan to…
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New employer - student loan payments haven't been taken
I've been in my job three months now but student loan payments haven't been taken from my wages. I handed in my P45 when I started there so I'm not sure why not. My question is that when it's all sorted out will I have to repay the missed payments? If so, will this be immediately as a lump sum or spread over the coming…
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Loan with Nationwide
I recently applied for the loan with Nationwide at 6.6% when processed they offered me a rate of 8.7%. As I am a customer of Nationwide I telephoned and asked why this happened. I was told that you needed to pay in a minimum of £750 a month which I do and have done for the last 5 years with them, then I was told I had the…
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Car loan,finance or card
Hi I am trying to get some advice on a possible car purchase. I am hopoing to be starting a new job shortly which is transport specific. Im unsure of what amount of money to spend on a reliable car and have considered getting one on finance as my savings are basically zero (hence the new job) If I were to spend about 3k on…
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Credit Agreement
Took out a finance agreement with G. ..... ..... ......e in November 2008 for the purchase or a vehicle , then it was take over by a company called S........ C....... u. in April 2009. I have made regular paymenyts on this agreement as planned . The agreement is due to finish in Novemebr of this year, the monthly payment…
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logbook loans - help please
Took out a logbook loan in early July 10 against my high value car for £7k. Paid around £6.5k and then my salary decreased by £500 per month. No witnesses for the original loan - did not take keys but took V5. In March 11, offered to restructure my loan to half payments due to financial difficulties. Handed back V5 to tax…
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Hire purchase questions
Hi folks, just a couple of questions.. I'm looking to get hire purchase on a used car from a dealer and have paid off any finance i've already got and am currently waiting for them to clear off my credit report. My score at the minute is 894 and i'm expecting this to go up when the accounts register as settled and closed…
