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Help needed credit file worsened by hsbc but is wrong!
Hi Im having a bit of trouble with hsbc i had 2 flexi loan accounts and lost my job so paid them by taking money out after paying it so i made a call to hsbc explained situation. The lady i spoke to said she can give me a 3 month payment break but interest will resume then to visit a branch to discuss a budgeting loan to…
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How can I survive this please?
Please, please could somebody give me some advice as I really don't know what to do. I have a good job - not the highest paid but regular and secure. I am a single mum and live as much as I can within my means. I am lucky enough (or so I believed) not to have a credit card. I have an overdraft and a loan. I have never…
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End of loan admin fee - Advice wanted
Hi All, My partner has a car loan ending very soon. Looking through the paperwork I noticed the last payment included an admin fee. The normal monthly payments are £96.45 and the admin fee is £275, making the final payment a whopping £371.45. We wrote saying that we couldnt afford that amount and offered to pay the admin…
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Anyone know were I could get a small loan from?
Bank offers minimum of £1,000 which can be paid back over 5 years but I only need about £500 I don't know if I can get a credit card because. Although I have a job now (possibly 2 after my interveiw) One of my jobs is agency so various hours, and other hasn't started yet. I am looking to borrow around £500 by november 1st
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hitachi loan
I am currently on a debt management plan where all my creditors have excepted about from Hitachi!! Hitachi are being very awkward sending me many letters demanding payment and charging me for sending letters, even if they call me. I took the loan out last May for 9,200 at an apr of 16.9%. As have defaulted and they have…
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student loan amounts, in despair.
My son is about to begin his 2nd year of study at uni in scotland, where he has lived since 1997. last month i made a work-related home move from scotland to the south of england, therefore necessarily changing my son's circumstances from 'residing with parents' to 'living away from home'. Two days ago we found out that…
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Loan on payment arrangement
Hi, Just wondered if someone could explain something to me please :) I have a loan that got put onto a payment plan as I could'nt afford the monthly payments at the time. Since this happened, when I look at the balance of my loan, it is going down by what I pay each month. However there is a note to say the balance shown…
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payday loans question
Ok, before you all start I know! But, needs must, and I had one of these with wonga, and then used someone elses credit card (with their permission to pay it off) I then took another loan 6 months later, and wonga took the money from this account instead of mine. The other person had also cancelled their credit card with…
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Foriegn Loan issues now UK Resident
that would be Foreign Loan too! We are in the process of trying to sort out the hubby's student loans mostly so he can continue on his career path. It's a mini nightmare. I have no paperwork to go on. We are only at the surface of the problem at the minute, so my first question is: Are the loans subject to UK financial…
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Quick question on early repayment
My bank manager told me 4 years ago when I took out my loan that if I wanted to settle early wit no penalty I could simply pay off all except one months payment. The system would then take the last one as normal without realising it was settled early. Does anyone know if this was true and is still possible now?
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Loan & Finance Limited
They are offering a loan however want first months payment by UK cash voucher before they release loan. Has anyone dealt with this company or heard of making first payment by voucher?
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Please help with my loan calculations
Hello there, I took out a loan with a local Building Society in February 2009. The initial loan was for £11,300 and the terms were 48 monthly payments of £288.72 which equals a total repayment of £13,858.56. Since then I have paid 31 regular installments and also an overpayment of £800 a couple of months ago. So I have…
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Santander - Charging to change DD date
Hi all Wondered if anyone could help Just rang Santander to change the date my direct debit comes out for car finance and they said that they will charge me £25 for the privilege. WHAT!!:mad: Are they allowed to do this and is there a way I can get round it. I'm not amused at being told I have to pay them to press a button…
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Payday Loans Trap
Hi, Over 6 months ago during a lean time i took out a £200 loan, like an idiot, from one of these Payday companies. I have now paid back nearly £500 in deferral charges and still owe them £260. I appreciate that i shouldn't have gotten into this situation, but other than defaulting completely and waiting for a debt…
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Rockwell Debt Collection & Tessera Portfolio problem
Hi, I was looking for some advice on a couple of letters I've received from Tessera Portfolio Management & Rockwell Debt Collection. I had a letter a couple of days ago from Pace Forward stating that they were trying to contact me, but using my maiden name & to contact them to verify whether I was at this address. I…
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Need some advice on loans
I currently have 2 overdrafts with BOS ..obviously im encurring the daily charge of £1 so getting £30/£31 a month charges when all i can afford to pay is £50 each OD so really im not managing to pay back really anything and BOS don't really seem to want to help. I also have a credit card of £300 as well i am looking at RBS…
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Student Loan (old style) help please.
I took out student loans in 96 & 97 These were the old style 'mortgage type' loans. I live and studied in Scotland. I didnt make any repayments to these loans, and the past few years I'd for some reason told myself not to worry about them as they will be statute barred anyway. About 18 months ago, out of the blue,…
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Bank gave me wrong details and I've lost money through fees
I live in New Zealand and had a car loan with alliance and leicester. After asking to pay the remainder of the loan off, I was told the wrong bank details for the transfer twice! This resulted in a GBP105 loss due to banking fees and exchange rate changes. I have requested that these fees be paid back to me as the debt is…
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home owners loan
I'm looking to borrow about 20K to consolidate all my debts into one monthly repayment. I'd like to keep the monthly payment low as possible (under £250) for that I need a long term loan -over 5 years. The interest rate is quite high for that - 12%. I'm a home owner (mortgaged) and so thinking of getting a home owners…
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I need some advise on what to do
I'm considering taking a loan or using credit cards to help finance my university fees over the next two years - but i'm unsure what to do as my situation is a bit crazy First of all I work full time, but I have no savings left, and my uni course is going to be part-time day release for the next two years. From next March…
