-
Alphera car loan
Hi I have a return of goods hearing later this week. I have applied for time to pay and requested payments to be restructured. This is the timeline of events and i was wanting to check if Alphera had followed correct procedures. I had repeatedly requested to restructure the arrears of £950.00 (2 months payments) by…
-
HELP! Will full and final settlement affect credit rating? No previous defaults etc?
Hi All, I'm a newbie so please bare with me!:) I stupidly signed for a HP agreement for my now ex partner....BIG lesson learned! The original amount was £25,000 over 3 years with a ballon payment of £10,000. Blind and in love my ex said this would be cleared in a year! however we are 3 years on and the settlement figure is…
-
1st Credit loan - Is it enforceable?
Hi, I have 2 outstanding accounts with 1st Credit which I am trying to get a settlement figure for. Does anyone have any advice to get the best deal? Also, it has come to my attention that I have been paying 1st Credit for the last 3 years and I don't recall every seeing any signed paperwork. Can anyone help out on where I…
-
Help
OK before anyone gives me a row I have been an idiot. So far in debt this month no money to live off so done the stupid thing and applied for loans not realising at the time they where brokers so far I have lost nearly £100 and no loan. I could cry does anyone know if I can get my money back off these folk who haven't done…
-
Why doesnt't my Professional Studies Loan show up on my Credit File?
The title says it all really.... I have signed up to Checkmyfile (which searches Equifax and Credicheck) and Noddle and both don't show it.... Its a massive loan of £22,000 - can anyone shed any light on this? Thanks PP xx
-
My girlfriends student loan
My girlfriend took out a student loan in 1998 and the current amount she owes is about £7500. we understand that she won't have to pay it back until she starts work but she's a stay at home mum and we have no current plans for her to go out and work but she might in a few years. we tried to look into if/when the debt might…
-
Link Financial alleged debt?
I've received several letters now from the above mentioned company. When I received the first one I assumed it was a scam as I'd never heard of them and it didn't make sense. They're talking about an alleged debt, in my name, that I've never heard of. The company they allege to have 'purchased' the debt from is a company…
-
Loan causing problems with inheritance
Hi there I'm new to this, so apologies for cross-posting, this is a copy of a thread I just put in mortgages as I'm desperate to get some answers. I'm in a bit of a strange situation and am hoping someone can shed some light on it. My Gran died in October, leaving her house to my Mum and Uncle. Unfortunately, there is a…
-
help required please
:mad:hi everyone just relying this story for a friend of mine,there are loads of stories on here about web pages/sites misleading info, promising not to take fees etc. well sorry to dissapoint but this is another one of those full of promise and within 5 days wham 79.00 gone a bit like harry potter. well the person…
-
now an xpat but still have loan in uk
hello everyone my name is paul and i am a uk citizen now living in china but i still have a loan from tesco in the uk before i left the uk i contacted tesco about the loan asking to speak to someone about freezing or changing the agreement as i wish to be amicable and repay the loan as i had agreed when i took it out 2…
-
Mis-Sold Loan? Please help
Hi folks My sister in law needs some help, regarding a bank loan, and I’m hoping that you can offer her some advice. In June 2008 her young son (18) took out a £3000 car loan with RBS. The interest rate was 25% (ouch!) as he had only been working for a couple of years and had a short history with the bank. In October 2008…
-
Credit Rating
Hello I have been paying off debts now for a few years and things are getting better. I earn a decent wage, am on electoral role, have had my job for 2 years. My debts total around £8k but I do switch my credit cards. I haven't taken on any 'new' debt in about 3 years. My credit rating according to Noddle is 1/5. Why is…
-
Welcome
I took out a loan with "Welcome" a few years ago, part way into the loan i lost my work but for some reason they said the PPI couldn't cover it therefore i fell into arrears. I arranged a reduced payment agreement, started paying it and didn't hear anything more. 4 years later and my balance is still more than the loan,…
-
Quickquid payday loan- haven't taken payment
I borrowed £600 from quickquid earlier this month was due to pay it off on payday which was Friday just gone. I originally deferred my loan so I'd be paying the interest this pay day of £140 and the loan amount plus interest next month so £740 next month. Then because I got the money together, I decided I wanted to pay off…
-
hsbc loan
I got a loan from hsbc in 2006 which I have now found out was front loaded interest - I put the loan with a debt management company who i have just found out dont have a consumer credit licence,back to the loan- i have asked HSBC for a copy of the loan agreement and they advise me they can't send it - I have asked for it…
-
2 months 2 days still no money
well its been 2 months 2 days (november 28 2011) since we had a letter from Lloyds Tsb saying we got some money coming back from thwm but as yet nothing...anyone else had the same trouble and how long for...John
-
Bad Credit Loan
Hi all, I'm just after a little advice if you'd all be so kind. I'm looking for a loan but due to being a fool when i was younger i have a really bad credit rating. All my bad debts that i'd accrued are paid off and have been for approx. 6 years. I only have a Capital One credit card with a £300 limit which i use to credit…
-
Graduate Loans?
I know nothing about financial services and loans so I am hoping for a bit of advice. Basically I left university last year after completing a BSc and then an MSc so my credit card and current account overdraft tell the sorry tale. My combined credit card and overdraft liabilities is about £5k and the combined service…
-
settlement fee should i get a loan to pay?
Hi all I have a 2007 mini cooper 37k on the clock and my finance deal is coming to an end in March, they have given me a settlement fee of £4500, I started paying for the car 3 years ago for a purchase price of £13000 at roughly £240 a month. I basically have 3 options from mini: 1) pay off the settlement fee and keep the…
-
GE Money Secured Loan
Hi would anyone know if you can claim back late payment fees for this company or type of loan? As I've been in and out of work over the years they keep ramping up late payment fees and interest and are not interested in helping me. ??
