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loan repayments
I have a loan that requires me to pay 175 a month. Due to my circumstances changing, this will be too much for me to pay. Would I be within my rights be able to cancel the direct debit and offer to make smaller payments? I have done this once before. I only need to do it for a few months so I can get my budgeting sorted…
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YES Loans Arrrgh!!!!
I'm Having serious problems getting my 69.50 brokerage fee back from yes loans, and from what i can gather i'm not alone. Their Consumer Credit license was granted in 2009 it was done so with restrictions one of which was that all refunds are given within the 30 day period stated in their terms and conditions. I'm now on…
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Can our bank discuss my credit report with my husband? Advice needed
My husband recently applied for a loan to consolidate my husbands credit cards and was turned down, we have a joint account. The bank had called me to ask if it was ok to proceed as they need my permission to credit search me for a joint account, so I said thats fine. We were declined, when my husband asked why, they said…
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car finance transfer
My sister-in-law took out the finance for her son-in-law for his new car in March as he is only 26. The car salesman said the car finance agreement and the insured's name had to be the same person. She is 55 and so she has the insurance (and the previous car's insurance) in her name and he is the named driver - although he…
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Bank Loans Vs 0% Credit cards which is best??
Hi guys, im quite new to the site but need some info to make the best decision? My car recently got broken into (its an old car not much security) and now i feel the car is no longer safe to leave in the car park by my house. I want to but a new car but unfortunatly do not have the funds to pick one off the fore court, so…
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Credit history & pre-credit checked Loan.
Hi, I have a few questions, but my main question is about how to get a copy of my credit history (which I have done before) without them then notifying my debters that I have done so. 1. credit history ie last time I paid equifax to send me a copy of my credit history (about 3 years ago), I then started getting letters in…
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innterrest on motor debt
i bought a camper van 2005 £ 25,000 payed off £ 7,000 over next3years. credit cr unch happend hours cut at work spoke to finnace company were very nice and reduced payments for 6months . strugling asked for advice from fcompany surjested they would sell it and id only have to pay a small settlerment. they sold it for me…
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what about this scenario please
What do you guys reckon of this scenario........... In process of buying a house . Mortgage offer in place. With a LTV of 60% I need a personal loan to remodernise the house as it needs it badly . I need to apply for this before I except the mortgage because I dont want the house If I cant modernise it The house needs…
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Need a loan but don't want to damage my credit score
Hi I hope someone on this board can help me. I need to buy a new (used)car asap. Problem I have is that our money is spread out all over the place & it will take me a week or so to get it all together. My question is if I applied for a loan of 7k & then repaid in full before the 14 day cancellation time is up, would my…
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Need advice on getting rid of new car.
Ok here is the situation. I live in CA, before deployment I was forced to buy a new car because the banks would only loan me for new. My old pontiac was upside down. I could only trade it in for $1,000 and I owed $5,000 on it. My new car was $23,000. After almost a year I find myself spending more money than I should with…
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PCP car finance - Handing car back
When car was purchased from my dealer the sales rep told me after 3 years I had the option to hand the car back and as long as I had not done extra miles than agreed, the agreement would end and no more payments would be taken ect. In Feb my 3 years will be up and I'm thinking about handing it back to them to get something…
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natwest loan, confused and help needed
hi, i have a question for any professional accountant or anyone in the know who can help me. ill try and be basic with the reasoning but as up front as i can about the numbers side of things. basically i got a loan for a car in 2004, i borrowed £6203, then in 2005 i got anothe loan with blackhorse finance a further £2000…
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Completed IVA and some questions
Hi all, I completed my 5 year IVA last month and it feels great! I was curious to see what state my credit file was in so I went to Experian and found out there. A little confused to say the least when i saw my score at over 900 and 'well above average'. How is that possible when I can't even get a credit card or loan?
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sofa finance question
hi i got £1,500 finance out on a sofa in january now the direct debit comes out my partners account but its in my name do u think it would be ok to transfer the the name over to her name and would it then get taken of my credit report ?
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Voluntary Termination of Car Finance
Hi, I know this has been covered before, but my circumstances are slightly different to previous posts on his topic. I got a brand new car on finance 8 months ago, but want to terminate the agreement. The finance is for 2 years and I have obtained a voluntary termination quote from citroen for £3687. Having looked at…
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Reinstate loan payments
Hello, was wondering if anyone can help me ? My mother in law 'trusted' my wifes sister to keep her bank card etc and ensure her finances were in order as she felt she could no longer do so?? anyway in turn the daughter took all the money out of her account every payday each month(once a month last working day) turns out…
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Cahoot flexi loan / Santander REFUND WOW
Hi I'm new to all this but was so excited about a letter from Santander this morning offering me £4866.96 back. I too noticed recently that when they took over the Cahoot loan they increased the interest rate to 21.94% from about 8%. So thought i would write a letter to get the ball rolling etc...:) how I felt this was…
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advice please on direct legal and collections
Hi could anybody please help, I have a problem with Direct Legal and collections, regarding a loan I defaulted on. This only happened because I got ill and the ppi I had with the loan with black horse did not pay out even though it should have. I explained this all to Dlc that I believed I was missold the ppi and the…
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advise please or rather just confirmation
Ok, hubby has been looking for a loan. I specifically told him NOT to pay any fee's Guess what, he has gone and paid £60 today :mad::mad::mad: to Best 4 Loans who say they are sending him paperwork for a loan at £105 per month over three years, think it is for £3000. I am so so mad at him as I warned him not to pay... has…
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What lenders use Equifax?
Hello, ive been looking for a lender who uses equifax to credit score, ive searched google and found a few topics about this but they are years old and mostly are on this forum anyhow, so i thought id ask if anyone had experiance of this and could post any lender who uses ONLY equifax and not experian. Thanks in advance…
