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Loan Overpayment before Early Settlement
Hi all, I have a Tesco loan with an o/s balance of £16,563.92 and have been provided with an early settlement fee of £13, 517.45. I have taken a new Nationwide loan out for the £13k and I have the £13,517.45 ready to clear the Tesco loan. My question is; Am I better off to clear the Tesco loan based on the ESF of…
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End of Loan Admin Charges!! Help wanted Please!!
Hi all, I hope someone can help with my problem... My partner is currently near the end of a financial agreement with Santander Consumer Finance and has received a letter stating he has to make his final payment in March and also pay an admin charge of £300!!! After reading a different thread posted last August, a forum…
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Can we borrow 20k?
ok so we want a 40k budget to buy a CASH ONLY not mortgageable property. we have 20k in liquid cash. no other debts at all. mrs = 15.5k income me= self employed with non taxable income (basically might aswell be no income for the record) how can we raise 20k? will we find anyone to loan us this? if not 20k how much you…
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Early settlement figure/Overpayment
A question for all you loan experts out there (apologies if it's been asked already). Just phoned my bank for an early settlement figure which is £3506.30 and includes the 58 days interest as per the CCA. My question is that 58 days interest calculated on the balance owed at today's date or the original sum borrowed? If it…
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FGA Capital default
We wrote to FGA April last year to ask them to accept smaller pro-rata payments as we had a tax credit overpayment and couldn't afford the repayments. They declined this request. We wrote to all of our other creditors at the same time asking for the same - they all agreed. We asked FGA to reconsider, they declined. So we…
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Provident chasing me for a loan Ive never had
I recently recieved a letter from a debt collector called Buchanan Clarke and Wells regarding a provident loan taken out about 18 months ago at my previous address (I was living there at the time). I called them up to explain that I have never taken out a Provident loan and that I have never been in a position where I…
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Experian - Too much expertise
Love this site and its forums, always been inspired and made many changes in my life based on its forums, but never really thought I'd be posting or starting a new thread myself. Today, I was triggered by yet another frustrating experience with Experian the credit Experts. One that made me write and send the following…
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My rate of lending is too high for loan
I've got 4 credit cards with a total of £20K. I know that's heavy and I've been an idiot letting them get so high. They are are cut up and now I want to pay them off. I've applied for 3 loans today between £13-£17K and been rejected on all 3. I have no CCJs and my credit history has been good. I have never defaulted on any…
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Zopa Questions
Hi I have some questions about lending from Zopa. I wish to borrow around £5000. I've taken advantage of Zopa's "soft" search facility and I got a quote from them for 11.1% APR. My questions are thus: is this rate fairly typical for borrowers in the young category (I'm 25)? Or am I seen as a risk? I earn approx £47k per…
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Not paying a loan.
I've recently lost my carers allowance and dd's dla +xtra tax credit. I am paying for a sofa loan from sfc. I literally haven't got the money to pay it. what happens.
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Waiting for decision on Natwest Top up loan
Deleted post due to nasy comments!!!!!! So much for the rules being 'be nice to people' No wonder people are reluctant to ask for help.
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Unsecured Personal Loans - CCJ
Hello Everyone, I am in need of some advice and guidance as to whether anybody is aware of loan providers that are best for people with bad credit history. Around 5 years ago, I lost my employment which was incredibly well-paid as a result of which I fell behind on a number of loans and credit cards and Barclays obtained a…
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Business loan/personal loan?
hi, i have been offered a stake in the company i work for but am finding it very difficult to secure a loan as it is for a business, they say i need to take out a business loan thorugh business account but as i have not bought it yet this is very difficult. Has anyone had any experience of getting loans for this reason or…
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First plus ppi rebate
Hi, I need help with how to go about claiming back mis-sold ppi insurance from first plus. My details are:- Loan started 20th September 2007 Loan amount - £30k Ppi loan - £5,979 Monthly repayments (loan) - £274.05 Monthly repayments (ppi loan) £54.62 Total loan payments - £328.67 for 300 months - 10.5% apr variable A…
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What can the FOS do?
When making a complaint about a company, what can the FOS do? Do they have the power to deem agreements as being not executed properly, and deem them void and unenforceable? I made a complaint in October (which is being investigated currently) and was just wondering what their powers were, so we can see what we may have to…
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ford finance
got to pay £5400 final payment in march was going to pay it off but just looked and i will be better off if i use the money to pay off a c/card debt. will ford finance 1. allow a 12 month loan 2 is it a full loan application? im in same posisition as when i signed up for car but paid about 8k of debt off
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GE Money Home Lending
Hi I took a secured loan out with GE in 2006 for £30500 with the intrest rate of 10.500% my payment are £365.23 a month I ve now recieved a letter from them saying We have recently concluded a review of your account and have found that your monthly instalments have not always changed when the intrest rate on your account…
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Pay Day Loans On A Sunday
Official MSE Insert: If you've arrived from Google, see our Payday Loans guide to check if you really need one. It's also worth reading our Debt Help guide. Back to the original post... Hi im after an urgent payday loan today. I know payday uk do sunday loans but i have an outstanding one with them already. Is there…
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Loans for Benefits
Hi, i am a single mum and am on benefits. I need a car as mine is always breaking. I want a newish car as they are less likely to break and it would save me money in the long run. I was just wondering if there was any company that would give me a loan. I don't have bad credit history either.
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Car Finance from a Dealer
Hey Folks, Was just wondering if anyone knew the likelyhood of getting a car on hire purchase/finance through a dealership? Declared bankrupt Dec 2008 and Discharged Dec 2009 - just recently got a vanquis and full current account so i dont know if that is any indication? I dont really want to go into the showroom and be…
