-
Loan - Statute Barred?
I recently had a letter from Lowell requesting payments on an 'Egg' loan I had taken out years ago. I sent them a 'prove it' letter and yesterday received back a copy of the loan agreement that I signed for Egg in June 2005. This doesn't prove anything apart from that I took the loan out. I can't remember when the last…
-
Student Loans Company Error = Debt Collection Advice Needed.
Hi, I am BRAND NEW to these forums so I need simple, step - by - step instructions on how to deal with the SLC. I have an original student loan taken out in 1996. I have never earned enough to start repaying it so have deferred it every year. Without fail there has always been a discrepancy with deferring the loan; either…
-
Cheapest £25k loan?
I'm looking for the cheapest personal loan for £25k. I've been offered 6.9%/60months from my bank (Barclays) but wondered whether I should check anywhere else? Any ideas of where to check for people with good credit ratings? I'm not a homeowner.
-
Help needed for a letter to bank
I am currently on a CCCS DMP, one of the larger debts I have is with a bank, they have put a nice (£6000:mad:) lump interest sum on the existing debt, the advisor told me today that I should write a letter of complaint, and ask for the interest to be removed/frozen due to our circumstances and quoting all the things about…
-
Credit ratings
I'm wondering how do you keep your credit rating when shopping around for a loan?. I applied with santander and they set a representative APR but when the agreement came out for me to sign it was a lot higher. I have therefore shopped around and with every loan i apply for my credit score goes down therefore incurring a…
-
Car Loan for Daughter earning 10k who will lend
My daughter is looking to get a car loan for 5k for 4 yrs she lives at home pays 60 month rent no other outgoings wants to get a car loan she is 19 have tried a few places but they say because she is under 21 they cant do it. She wants to try and get a better rate than the finance company so would prefer a loan so she does…
-
Loan rates increase NRAM
I'm moving my mortgage, and leaving an unsecured loan with NRAM and they plan to triple the rate on the mortgage. Anyone successfully challenged this to keep the loan rate lower?
-
Advice needed!
Apologies for the generic subject line, I’m new to the site and just wanted to get some advice from fellow forum members. I’m wondering if you can help. I’ve got myself in a spot of financial bother, and I’m wondering if you can help. I’m 26, earn a decent wage of £30k per year (£1,600 per month after travel expenses and…
-
Car finance
Hi folks First time member, recently joining as i have heard many things about the great advice. My problem is that I have been rejected car finance. Looking to trade my old car at 3.5k and buy a new used car 4.3k. I do still owe 6.8k on the car I am trading however the thing is killing me every month for insurance and…
-
help with an unsecured loan that has gone to debt collectors
I have an unsecurred loan for about £10k which i have had to reduce my payments on due to be ing made redundant and then having lower paid employment than i had initially. they have passed it on to Allied International Credit and i am now getting letters, texts and phone calls off them non stop. I do not want to deal with…
-
Paying off deceased debts.. what order?
My dad died recently, and left a lot of debt. He was married to my mum, and had a joint mortgage with her. He had a few loans in his name, and one in joint names too. My mum has just received a payout from his life insurance, but it wont even cover the mortgage, let alone all the loans too! She also has no job, as his work…
-
Natwest loan agreement
Hi, I'm just looking for a bit of advice. How long are banks required to keep the original of a loan agreement AFTER the loan has been paid off? Or are they able to destroy the copy once the loan has been settled? Thanks in advance for any responses!
-
Blackhorse finance agreement dispute
I have a car on hire purchase at the moment. What i was hoping to do is to cancel the contract and send the car back, this wasn't going to be a problem, i would pay the remainder to the half way point where i can then legally give the car back and have the remaining debt removed. In April i got in touch with blackhorse to…
-
Unable to get a loan
Hi I'm new so I hope this is in the right area. Quick bit of background, I have 2 credit cards, one with 1k (1k limit) and another with 3k (3.5k limit). I have an overdraft that gets cleared ever month. I also have a car on finance. This was bought in 2008 on a 3 year HP agreement. In november i'm required to pay the final…
-
Confused & Feeling Guilty, Advice Appreciated
I have a pretty bad history of wasting money and desperately want to sort it all out. In 2005 i got a loan to pay for a car and pay off my credit card Then in 2008 i let two credit cards build up again and got another loan for £15,000 over 8 yrs at and interest rate of 10.9 to pay off the first loan and the two credit…
-
Santander loan application
Hi All, When in santander on saturday trying to get a loan to transfer over my tsb loan. It was declined and the guy said he would appeal it; I said that would be fine. Just wondered if anyone had an application approved this way and whether it was common practice? Cheers Martin
-
business loan help
me and OH would like to take out a business loan, of £60,000 the chip shop i work in is up for sale, due to the current owner having other business interests 'back home', the shop has a good customer base and the annual turnover is around £83,000 me and OH are both familiar with the trade, I met him while he was manager of…
-
loan or credit card ??
hi i'm looking at buying a vw van and turning it into a campervan I have enough to buy the van but will need £10000 to convert :eek: may spend £5000 more of savings or just loan £10000 any ideas which is best ??? should i do it on a 0% credit card and swap when the rate goes up or should i take a cheap loan out ?? any…
-
Should I repay my student loan?
I have a student loan (£3000) in my bank account from a couple of years ago when I decided to leave university. I've been thinking about giving it back to the SLC because it's gaining interest. If I decide to go to uni at a later date and get a out a new student loan, do the new loans have a higher interest rate, or is it…
-
car loan
hey there.i bought my car new 6 years ago on a fixed term motor loan which i believe is like a personal loan??.i still have money outstanding on this.i want to sell the car to get a run around and pay off some debt but unsure if i can do this on this sort of loan??.if i sell the car will i owe any money i make to the…
