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Barclays sent me someone else's loan agreement form
I applied for a Career Development Loan at the beginning of August. First, Barclays messed up by entering my phone number wron gon their system so I could never pass security and they wouldn't tell me anything about my application, just kept telling me they'd try to sort out the problem in 5-7 days. A month later, they…
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F & F payment offer?
Hi, My husband has a buisness loan of £12,200 which has 57 months left to run. We are thinking of selling 2 business assets which will hopefully accrue around 7k. Would it be worth asking the bank to settle in full as we are having difficulty paying our outgoings, even though, as yet we havent defaulted on payments? Also…
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Moving home - will it affect loan application?
My OH will be applying for a loan in around 6 months time we have moved from parents home into our own rented house. OH has lived with parents for 22yrs as we were on the electoral roll there, and have now moved home, would it affect the outcome of the loan at all? tried to find some information about this but didnt come…
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wentworth / cashoo scammers; getting refunds
In a moment of despair earlier this year looking for loans, I ended up giving my debit card details to the above companies. They both took 'membership fees' of £67.70 and £69. I think one of them might have made the charge clear, but one of them certainly hid it in small print. Anyways as soon as I realised that it was all…
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Sainsbury's loan con
Can anyone advise me? Has anyone else been tricked into payment holidays? 12 months ago I took out a 5 year loan with Sainsbury's. Recently I got my first years statement only to find I had made 9 payments but been charged 12 months interest. I rang Sainsbury's to ask what was going on and was there a mistake. Sainsbury's…
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I'm sort of homeless. Need money NOW.
I'm aware that this may be an unusual thread for this forum, but it seemed more appropriate here. I'm 24 and i'm at the end of finishing university. I had to move back home with my parents in the meantime. I'm no longer a full-time student, because I only have one module left to complete, so I do qualify for JSA as I am…
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Hire agreement mis-sold under CCA with 45% Interest
I have been mis-sold a Commercial Lease Finance deal at 45% interest under the Consumer Credit Act. I have no breakdown of how the final figure was calculated. They have not deducted the initial deposit from the overall figure which was financed. They have told me it is non-cancelable. They have told me that I am…
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Problems with PD Loans
Hello all I am new here but have been a reader for some time now. I am really just looking for some advice for my partner, she has currently got out around £2k worth of payday loans out and things seem to have got out of control. She has tried to get a loan to cover the amount as she would have £400 free every month to…
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Lloyds TSB Graduate Loan Help!
Hi, I hope you are all well, I just have a query I wondered if anyone could help me with. Me and my partner have recently graduated and taken on full time jobs, we both bank with lloyds and decided to look into taking out a graduate loan with them of 1500. It's not much but we just needed a bit of dollar to tide us over…
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Need a loan with bad credit rating
Hello, I guess this question comes up alot. well bit of background information im 19 when i was 18 decided to get payday loans... (biggest mistake of my life) now I am out of that for about 6 months.. Im looking to get a loan for roughly 3000 pound as i would like to buy a car and put some away for insurance. I've applied…
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MSE News: Wonga responds to US debt comparison jibes
This is the discussion thread for the following MSE News Story: "Martin wrote a blog this week, Borrowing £100 at Wonga's APR costs more than the US national debt after 7 years. We invited Wonga to have its say, so here is the lender's communications director John Moorwood with his response. ..." Read the full story: Wonga…
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Career Development Loan Repayment
I have taken out a career development loan for £10,000. I am due to start repayments at the end of November at £877 per month over 13 months. I have completed my masters course and am due to start work in Australia in approximately 4 weeks. With the move over to Australia I would like to stave off my repayments until…
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PPI (Financial Services Compensation Scheme)
Some advice needed here. Yesterday I received a letter from the Financial Services Compensation Scheme advising that I may be entitled to claim compensation for a loan I took out several years ago which had PPI included. There is a lengthy form to fill out and a section to fill in asking for bank details for which the…
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How to ask the Bank to reduce my loan
Hi Everyone I feel I need to tackle a debt problem before it goes to far and if anyone could give me some advice I would really appreciate it. A change in my circumstances mean I am now struggling to pay back a loan, house and feed myself. My wages are all gone each month by rent, utility bills and food (no I dont eat a…
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How to stop financial institutions contacting you at work?
Hello All, I am currently trying to raise the funds to commence my bankrupsy (which has been kept away from knowledge of my work so far) but in the mean time I am getting multiple calls to my work number, which is communual and not ok for personal calls and I have asked them to stop but they say they cannot remove my work…
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loan when working part time and a student !!
this is asked on behalf of my friends daughter... the daughter works part time and is also a full time student, she is 19. she has a catalogue (which payments are up to date and she owes £40). she would like to apply for a loan, does any where know where she may get one from ? she as applied for a capital one credit card…
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Tesco Loan overpayments - query
Good morning all Just wondered if any of you have had the same problem as I have had when making an overpayment to reduce the term of your (tesco) loan? I rang up to make an over payment of £3750.00 and I was told that an "illustration" shows that if I made £3750.00 it would see my last full payment of £347.59 be taken on…
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Can I ask for a loan application to be withdrawn?
I completed a form on autotrader to see how much a £7k loan would cost me. Within minutes I was contacted by Aspire Loans. I thought they were giving me an estimate of how much their loan would cost but it was actually a loan application. (It was successful by the way but since looking into them and their rates there is no…
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My student loan
Hi everyone, this is my first post on the forum. I'm currently repaying a student loan. I have just being on the student loan website, and the figure for the current balance is £18,249.65 This is as of 30th April 2011. Since then I haven't paid anything based on my wages, but I manually have repaid £9.65 a week, every…
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Mis sold loan - do I have a case?
I bought a kitchen recently and was persuaded by the sale woman that I would get a better deal if I took some of the kitchen on a loan. I checked at the time that it was not front-loaded and she categorically confirmed that it was not and even worked out how many months I could have the loan for and still be better off. I…
