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Getting Money back from Friend
Hi All, I am in need of some advice, before you all say "what an idiot" please dont as i already been told this by everyone i know. Long story short i gave my barber of 15 years, someone i knew, £2250 for 5 tv's, he told me he gets samsung tvs from holland through his best friend who is a regional manager for samsung, i…
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Rebuilding Advice
New to the forum, been reading for a few months and decided to take the posting plunge. My case is a classic modern day student, money thrown at them to do what they like for the first time in their life. Irresponsible spending, and no real funds to pay back. Fast forward a few years and your left in a mess. Modern day,…
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CCJ should never have been obtained am i entitled to refund
Hi Guys, I have just won a long running battle with Welcome Finance. They have finally had the CCJ they obtained without grounds discharged after 4 years. They took me to court on the back of a satisfied notice of default, after all this time they finally upheld my complaint that I should never have been taken to the…
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PPI Mis-Sold
Sorry if this is in the wrong place, Just curious if anyone can offer any advice. I took out a loan with my bank Lloyds TSB in 2007, it was a £1,500 paid over 18 months. I was only 18 at the time , Looking back on it im shocked they gave it me and whilst I was there offered me a mortgage and a credit card too. Anyhow im…
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Loan completed but........
My partner finished paying an agreement with a finance company and recieved a letter stating they had recieved my final payment and account is closed. He recieved a letter this morning after a month stating that there was still money owing on the account from an error in 2007 (yes 4 yrs ago). He checked when paying the…
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Student Loan and my credit rating
Hello I recently moved to the States where I am living as a co dependent and earning no money. My student loan deferment period ran out when I was overseas and I forgot to renew it. The deferment ran out in January and it's now July. Even though I haven't been earning, I'm afraid to contact student loans because in the…
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Loan Settlement Figure seems high
Hi I am looking to settle a loan early with Barclays, took out loan in April 08 for 5000.00 over 60 months, monthly payments are 139.69, so have made about 38 payments. Barclays have given me a settlement figure of 2935.85, which seems high? Could anyone tell me how they work this out? Hope I have put this in the right…
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Quickquid
I took out a loan with quickquid months ago, I sent them an email within the cooling of period to say that I wanted to cancell the loan but they did't it ask'd me to phone them. I did not see anything in the agreement that I had to phonne them to cancell. I put a block on my debit card and defaulted. They phonned up and I…
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Taking out a loan to pay of card debts, (then doing it again)
Hi folks, looking for some advice. At the moment I have 5 credit cards and I am only paying the minimum monthly payment on each of them. The cards are in my name, and the debt totalls about £12,000. This was accumulated paying off debts for my fiancee a couple of years ago that she was being chased for. She has no…
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Santander Mess Up. I need help!
Hi, I recently got a loan from Santander of £8,000 to purchase my new car. All was well - expect it didn't come through, then they said forms were lost etc then couple of days later the money hit my account. In the meantime, I had wrote them a letter to say cancel it - as I wasn't prepared to wait around. When sending this…
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Handing back viehicle on HP over 50% of payments
Hi, I have a Motorbike on finance with Black Horse, purchase price ~£6000. Once I get to 50% of the payments in a years time, it is my understanding that I can hand the bike over to them and the contract is simply ended, and that this doesn't count as a default. This tempts me just because it means I can have a new bike in…
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Loan to 0% Card help please
Hi We have a £3,800 loan with RBS. We're trying to make life a little cheaper. Does anyone know if we can just take out one of these 0% credit cards for 20months, pay the transfer fee for the £3,800 and close the RBS loan? We'd still obviously treat the credit card like a loan, but just without the interest RBS is…
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Getting a loan?
Hi, Me and my partner are looking to get a loan between £2000 - £2500, in order to get a newer car and do a few personal bits. The problem we are facing is none of us have ever had a loan or credit so our scores are not bad however nothing exists to be able to get one from our banks? Where would be the best place to go in…
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complex situation,help needed?
my friend bought a house 8 years ago purely with his money,after his parents gave him their house(which was paid up,and he remortgaged),his girlfriend and HER 2 kids moved in with him,but he put her name on the mortgage.They lived there for 9 months,sold up,made £15k on it,and bought a property £35k more expensive,still as…
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Moorgate - Egg Loans
Hi All, Does anybody know whether Moorgate (due to take over all Egg loans on Monday 11th July) will allow early settlement/paying off loan balance in one lump sum over the phone by debit card? It's very annoying. . .they are not taking calls regarding Egg accounts until Monday, yet Egg know very little about the transfer…
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Credit Searches - Are they really considered?
I am new to MSE as a poster, but have read threads for many years to build my knowledge of credit etc. One thing that does intrigue me is how much importance do lenders really place on searches that are left on your credit reports? I say this as a couple of days ago I was accepted by Nationwide for both a credit card with…
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Two Companies chasing same debt
I had a loan with Blue motor finance, the car was repossessed about 18 months ago by a company called Red2Black. Set up an agreement with Red2Black to pay what was outstanding. Have been paying them monthly since, NOW Blue motor finance are trying to get me to pay them now aswell sending me letters with charges for not…
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Quick question on direct debit
I have taken a loan of 4000 ish to pay back by direct debit to pay 400 pounds every month for 12 months, and the term states that there will be an admin charge of 20 pounds if the "Direct Debit is returned unpaid". I have an overdraft facility of 350 pounds on my direct debit account. Will the admin charge be levied when…
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Has anyone tried Wonga?
I just tried to register on there and it said I had to fill in all my details before so they could do a credit check. I filled them all in and pressed submit and it said that I couldn't access the next page because it was restricted. Has anyone else tried to sign up to wonga and received a message saying its been…
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Loan Mistake
Hi, I would appreciate some advice on how to settle a compensation offer provided by Sainsbury's loans. Background.... I had taken out a 7 yr loan with Sainsbury's approx 3.5 yrs ago. No missed payments or problems during this period. Last month i applied for a second (new) Sainsbury's loan to pay off some credit cards…
