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Advice regarding loan
So am posting as giving advice to a friend who is in the following situation. Her husband borrowed several times money from his aunt every time he borrowed at least £10.000 and above over several years. Now he always has promised to pay her back and she has always said no worries she is not in a rush to get the money back.…
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Credit Agreement - What Credit Agreement ???
Hi, hoping someone can offer some advice. We took out a credit agreement about 14 months ago to cover the purchase of some furniture, and agreed to make monthly interest free repayments over 4 years. I noticed after a few months that there wasn't anything being taken from our bank. Dug out the credit agreement and rang the…
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secured loans & charges
Hi I have only just joined so was looking for advice pls. I took out a secured loan of £20,000 for home improvements 7 yrs ago. My monthly payment is £282.00, i got into arrears and now i pay £300.00 a month of which £18.00 a months goes towardsthe arears and have done for 3 yrs now and have not missed a payment to date.…
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Capital One Finance
Took a payday loan with this company, the original loan was £300, i had difficulties in repaying and have since joined a good DMP plan yet this weekend Capital One took over £750 out of my bank, without my consent and against the DMP. I have called them and say they are entitled to take money owed and that due to late…
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"Interest free" loan - early settlement?
I have interest free financing from B&Q (for a new kitchen) - about £6,000 - 60 payments of £100 per month over 5 years. I am interested in saving some money by paying this off early in one lump sum - but B&Q Financial Services (part of the HSBC group) won't offer any discount for doing this. They insist on receiving the…
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Best way of handling this loan?
Hi all, hope you are well. Was just seeking some advice on a loan I currently hold with Tesco. The loan was taken out two years ago for £13000 in total and I'm currently halfway through paying it. However, I currently have £3,500 held in an ISA account which is due to pay interest in May which reduces the amount further.…
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MSE News: Low income consumers pay higher credit costs
This is the discussion thread for the following MSE News Story: "Low income consumers are typically paying £174 a year on extra costs on credit from high street lenders ..." Read the full story: Low income consumers pay higher credit costs
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Loans Help please
I want to repay my credit cards debt off, but have no idea whats the best way to go about it. I've read a few of the articles on here and got a loan rate from moneysupermarket for Zopa 7.9 with 9/10 likeness or the sllightly higher with ratesetter. I owe 8k to halifax one card with a rate of 23.9% And 4k with monthly…
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yes loans- could not find any recent posts
Is it just me who finds their NO FEE message and refund policy slightly puzzling?? Also as a veteran of the finance scene i also find it strange that only last week they required my debit card details to perform a credi check..... Continue to be wary people!
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Car finance help - does it have to be in the registered owner's name?
Morning all. I need your help! Last year, my husband and I bought a car from a Toyota garage. We took their finance deal which basically equates to paying £250 per month for 36 months. The car finance was taken out in my husband's name. Unfortunately my husband and I separated three months ago. He was happy to transfer…
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balance transfers
hi,i cleared of a credit card to do a balance transfer and have done this in the past only to be told that there are no deals available at present,any advice please?:mad:
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Has anyone ever complained about a misselling of a loan
I believe I have been miss-sold
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car loans
Evening All I'm looking for some advice about the best way to finance a car purchase. I've got a bit of a rocky credit past but have sorted my finances out over the past 6-12 months. I've been on equifax today and my credit score is in the 'fair' bracket, about a year ago it was in the 'very poor' so at least it is going…
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Santander Credit Agreement Incorrectly set up
I signed an interest free credit agreement with Santander Cards (through Ernest Jones) last month, however the agreement has been set-up incorrectly over a 3 year term. This is not in-line with the agreement that I signed that stated the payments would be collected over a 4 year term. Does this make the agreement…
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credit ratings?
I may need to apply for a loan in a year or so time for some private dental work. I have no current outstanding credit, but have had credit in the past, and have made the payment dates for at least the past three years - had one month where I forgot to make the minimum payment about three years ago but paid the late fee…
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Ongoing Santander loan problem
Hi all, I'm around 1/2 way back paying off a loan from the above. When I took it out it was set up to be repaid via direct debit. After a few months I got a phone call telling me I was in arrears turns out that they couldn't set up the direct debit due to a well known fault on their system. For months I had to phone up on…
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Shopacheck Data Breach
As per the title, today I received an email from Shopacheck informing me that 2 data backup tapes have gone missing from their IT Dept containing personal financial details of its customers.
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Trying to get loan repaid!
Dear All Here's the situation: elderly father loaned a friend a sum of money some six years ago. The loan was properly documented and signed for. It was interest free for the first year, then a low rate of interest was to kick in. The loan was originally for one year, but was re-negotiated at the end of the year, to…
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Payday loan fraud
My daughter was recently taken in a simple loan fraud whereby she was conned into giving someone her bank card and pin on the promise of some easy cash when in fact the conman took out a payday loan and absconded with the money. Yes it was a very stupid thing to do but young people do stupid things. We have spoken to the…
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Payday loans....
Hello I'm 21, work part time, and since April 2011 have stupidly got myself into debt :( was wondering if anyone could give advice to help me! It first started when I got a capital one progress credit card in April this year and misunderstood the terms. It had a limit of £500 and I thought it was 0% on everything for a…
