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Paying back a Lloyds TSB loan early.
Hi, I have had a loan with Lloyds tsb for a while now and will be in a position to clear it in a few months due to some extra income. my question is do I save it all up and pay it in one installment (settlement figure way) or make overpayments to bring the balance down and the settle on a smaller amount - so incurring a…
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yes loans
Yes Loans, do not even go there, i wish i had checked yes loans scam which i later found, it is a scam, yes loans do not lend money ,they are a broker and take £70 pounds for a 5 min phone call, my bank is c urrently investigating them under the fraud act, you think your giving them permission to check your credentials…
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Student loans and being married
Hello, My mum is thinking about getting a degree next year but is unsure about the paying it back part. As she is a teaching assistant, her wage isn't more than £10,000 (ish) and so would not have to pay it back. But, she is married to my dad and together they earn more than the £21,000 threshold. They have a joint bank…
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Investigate missold PPI on defaulted loan?
Hi there, I'm new to forums so hopefully I'll get this right ... I've had many consolidation loans / credit cards over the years, and have no idea how much I have been charged for insurance whilst using them. I can't put my hands on paperwork for any of them so following Martin's advice, I've obtained a credit report and…
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Searches for Statute Barred Debts
Hi, I was wondering if anyone can assist me with my matter. I have not long moved back into the UK and have obtained copies of my Credit file from Each of the Agencies. I have 1 default on each report to Capquest formerly FTC for £1322 which will become statute barred 9th September 2011 however it's listed 4 times on my…
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MKRR 2nd letter asking for money.
The first letter I got was to say that shop direct finance company limited limited have sold the debt to to MKDP LLP. Since I've not record of owing any one from this company any money and even got 2 credit reports both saying the same things. There is northing on there saying I ever owed money to Shop Direct Finance…
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Is it my address?
First of all apologies if this is in the wrong forum. My wonderful bf wants to buy me a new sofa so we took a trip to DFS at the weekend and I saw the one I wanted so he went to proceed with the purchase. However, the salesman said that they would not beable to deliver to my address if my bf purchased through his address…
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Family getting loan application calls - but we have not applied!
Hi, I am new here and hoping this is the correct place to post this. In the past two months two people living in the same household have had both a written letter and recently a phone call about our 'application for a loan' from two differant major banks. The thing is, we have not been applying for loans and this has never…
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Credit Check
Just a quick question, as I'm really quite clueless. I did a credit check last year in September and it was showing as the high end of fair. I had nothing major but there was a few late payments (a couple from when my bank decided to cancel all my DD's and try and put them on someone elses account) and a couple where there…
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Better loan to pay off Egg loan
I have about 18 months left to pay off my Egg loan. I'm paying 27% intrest on it (best I could get at the time). the current balance is around £800. Is there any way I can get a credit card/better loan for about £1500 to pay off the balance & have a little left over? I'm completely thick when it comes to this type of thing…
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equifax credit report is it updated daily
I purchased a credit report online for 1mth will it just show information up to the date i requested it or would it be updated if a credit check was done. Thankyou
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FirstPlus Loan Miss-Sell 'Flexible Loan'
Hi, 1st post so please be gentle. I was wondering your thoughts on the following:- Took out a loan with FirstPlus in October 2006 - we are currently reclaiming the PPI Miss-sell. When we 1st enquired about having a loan we only wanted £15000. The sales person sold the loan as flexible 'increase the monthly DD when we…
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Welcome finance
HIYA IM A NEWBEE..BUT BEEN ON WRONG SITE..JUST LIKE ME TO GET IT WRONG ....in 2003..i took alone out with welcome finance..for a 1000 pounds ..i was paying insurecane on top of this as well i finshed work in jan 2004....i told them about this and heard nothing back from them..ive now recived aletter from..HFO..sevices..…
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Excellent Credit Rating but refused loan- why?
Hi, I recently checked my credit rating with Experian and it came back as excellent, the best you can get Consequently, i decided to take small loan topay off my overdraft as Im currently paying £31 a month just to have it. I felt this was a sensible and responsible approach. however, the bank who i went with (who I…
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Welcome visiting my in laws - very wrong but what to do?
I had a loan with Welcome Finance, recently payed off :) but during the time I had the loan I missed a payment date, which I understand I shouldn't have done. I had recently moved into my Fiancees house and so I believe Welcome may have found this out or found out the town I had moved to and a Welcome Finance…
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MSE News: Government wants more time on payday loan cost cap
This is the discussion thread for the following MSE News Story: "BIS today announced it will carry out further research into the high cost credit industry before deciding on a cost cap ..." Read the full story: Government wants more time on payday loan cost cap
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Default - I don't understand
Hope somebody can help me with this as I am very angry and frustrated. When i last checked my credit reports with Experian in May this year, there were two blemishes showing being: CCJ with Barclays which was registered on 7 October 2005 and therefore due to be removed on 7 October 2011. 1 default with Welcome Finance with…
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Bad credit loan - REAL ones.
Hi, As many of you know as soon as you call about a bad credit loan youre bombarded with tons of "debt help" cold calls I dont have debt problems, i just have a black mark £80 ccj from when i moved home and I thought my mobile phone contract had finished (it still had a month left) Anyway... Can anyone advise which are…
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University Fees/Student Loans
I am currently studying a full-time degree at Newcastle University. Due to certain unforseen circumstances I am now left with one more year of my degree to complete, and no way of funding it. I have been recommended to apply for a Professional Studies Loan, but I don't think this will be successful. I am struggling with…
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Just a quickie
I have posted something similar on the credit rating thread at the top and I apologise for sneaking onto the main board with this but I am hoping that this may be read by more people able to give me a bit of advice. Having recently sorted my life out I purchased my online credit report from experian. I was horrified to see…
