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Welcome Finance Collections Policy???
Hi All, to my misfortune i took out a loan with Welcome Finance for £17,000 years ago - I still owe about 13,000 on this even though i have paid pack well over £25,000!!! anyway, thats my fault and due to credit rating i cant re-mortgage just now to clear it (maybe next year) However, for some unknown reason my o/time…
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Pension Loan
Hi - I am deeply in credit card debt (£15k) and overdraft (£1k) and need to sort it out. I have house which I rent out which has around £50k in capital. However, I cannot get the tennant out for another 12 months. I have two pension, one from my opted out Serps which has about £35k in it and the other (much larger £160k).…
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Littlewoods Catalogue
I took out a Littlewoods Catalogue many many years ago, long before April 2007. Whilst I don't have a balance on the catalogue itself, I have suffered late payments fees in the past. For arguments sake, I have asked in writing for them to provide me with a true signed copy of my credit agreement, as I don't recall ever…
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Help with Debts Please
Hello Hopefully someone can point me in the right direction please? A little history. I have a property that I can't sell as does my partner. My mum and dad are living in my house (I'm still paying the mortgage) and my Mum is on my partners mortgage to enable him to take his ex of his mortgage. I'm living with my partner…
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Short Term No Interest Payment Loan
Hello all, This is my first post. Can anyone assist me, I am due to retire in September 2012 with a golden handshake of approx £50k. I have just booked a holiday for my family costing £15k. I have paid a deposit of £1200 (via credit card incurring a 2.5% fee). I require a £15 loan to pay for the complete holiday which will…
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Unrecognised loan
Hi Everybody My mother & father who are in their very late 70's recently started looking for help with an attendance allowance for my mother who has difficulty walking. One of the things that was needed were details of savings. My mother has always looked after the money since they married 40+ years ago. She gets a state…
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Leaving army - bank loan for housing rent deposit??
Hi, Any advice would be greatly appreciated. My husband is leaving the army after 16 yrs served, and will get a resettlement grant of around 12,000. We will have to leave our married quarters property and this will probably happen a month or so before this money comes through. We have no savings unfortunately and quite…
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Loan Rejected - Advice needed
Hi, Im just looking for some advice on applying for a loan. Basically, I want to take out a £10,000 loan. I have an excellent credit rating (999) and decent salary but so far I have been rejected from M&S and Tesco have referred me to their underwriters for them to decide whether to give me a loan. Now ive got a feeling…
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Which guarantor loan to get? Advice please
I have several debts that I am looking to consolidate.. I can only do this with guarantor loan due to a default I have from 3 yrs ago has wrecked my credit. My partner will b my guarantor.. My partner however is not a homeowner and is 22.. I see a popular choice is FLM Loans but guarantor has to be homeowner? Are there any…
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Hoe soon does student loan balance catch up with payments?
I have a statement form April showing what my student loan balance was at that point. But my understanding is that there are akways a numberrt of payments that have been deducted from my pay which have yet to be credited to my account. does anyone know roughly ho long it takes for a deduction to be credited? thanks
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Widows disbarred from Budgeting loans
I receive a weekly benefit from the DWP, namely "Widows benefit". I recently attempted to apply for a budgeting loan but was told that my benefit was not one of the qualifying types. Presumably this is because it is not "means tested" or "income based". How are people in my situation supposed to obtain help in such cases??…
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First Plus
I took a loan with First Plus some 8-9 years ago and at the time my income was not high enough for the loan so they made it a joint loan with my wife's name and using her Incapacity benefit as income. I have heard a rumour that you cannot use state benifit for a loan and the therefore the loan may have been mis sold can…
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Yes or No to debt consolidation for credit cards
Hi Folks, I am new to this forum. I found the site through web searching. I would like to seek some of your wisdom. Like most of people in the UK, I am in financially struggling due to excessive debt, mainly from credit cards. I have over the years, cut down drastically on expenditure, but it is still not enough. I just…
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Information
Have anyone got any information on what sort of mortgages or loans UBS Home Mortgages, AG London Branch provide please? Any info would be greatly appreciated. I have tried googling but to little avail.
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Will Credit Union give me a loan?
Hi there, i need a loan from to buy a car, as well as pay for the insurance for my car. I'm 18 years old, and i'm currently in college, no job at the moment. I was just wondering if anyone has dealt with Credit Union before and what would be the chances of getting a loan for 2k, if i deposit 6 - 8 hundred pounds with them?…
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'Notice of Sale' sent to our Address but addressed to wrong name. What do we do?
We received a letter the other day addressed to our address but a name we've never heard of before. It was from 'Mackenzie Hall Debt Purchase Limited' and it was advising us that a balance of X assigned by Quick Quid has assigned all of it's rights to Motormile Finance UK Limited. The problem here, is none of us have ever…
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Tesco say they paid money in my account but did not.
Hi Can anyone tell me where I stand? I have a tesco loan. They say they put money in my Halifax bank account in error and have given me 7 days to pay it back. I checked my account and no payment was made. Apparently I have to send them my Halifax statement to prove this. But, does this mean they have no way of checking the…
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Loan Affordability calculations
Hello everyone being a normal chap and potentially banging my head against the bank wall I have dropped by for a bit of advice. Basically I have under £13k of debt £4k of which is what remains of my student loan. New year and all that so I wanted to consolidate all but the student loan and get a new car to polish at the…
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Loan for a Car
Hello, Newbie here. Just wondering if I can get some advice on the best loan deals in order to buy a car? I need to borrow between £20,000 and £23,000 to buy a car. My local Ford dealer is willing to finance the purchase for me, at an APR of 9% over three years, with a final baloon payment of just over £7,000. However, I'm…
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Tackle £4k loan - Virgin Money Transfer or find cheaper loan
Hi, My friend has around £3.3k remaining on a £4k loan at a pretty hefty 24.9% APR, plus around £1k on an overdraft. The payments to the loan are £100 a month. They would like to try and reduce the cost of the loan if possible, not least because at the same time they are saving up for a wedding in just over a year. There…
