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WENTWORTH can anyone please help
Back in 2010 they taken £59 out of my account with out permission i wrote for a refund twice but never heard back , then just last week its happened again i went mad on the phone but again they are saying i have to write in to request a refund . I told them that this has happened before and they had me still on file so i…
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Welcome Loans?
Hi, I am considering taking out a loan with Welcome Loans and was wondering if anyone has any info on them, good or bad. They charge an admin fee that's why I am a bit unsure whether they are for real or not. Thanks
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Loan with Capital One... not paid and no interest!
Hi... me and my husband have a loan with Capital One which we have had since 1997. We have not made a payment on it for over 5 years. We get a statement every year and there is never any interest charged, the amount is the same. I have a subscription with credit expert and it is not listed at all on there. I am confused as…
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Secured loan paid off but still showing as a charge against our house
OH made an important discovery the other day. A few years ago we took out a business loan using our house as security. The loan was paid off a couple of years ago but it was only very recently when we were looking to switch bank accounts that we were advised that our Experian file was still showing it as a charge. A couple…
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The M and S Loan con and credit file mark.
SO M and S are advertising an APR 6% representative on loans. As Im in the market for a new Car I thought id apply for a loan with M and S. The rate looks competitive - the MSE site have it listed and we have a very good credit score. Having completed the application on line I then get an email 2 days later from M and S…
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Credit card shuffle or personal loan?
Hi all and thank you in advance for reading/advice. Have current debt of £9000 on 3 different credit cards and am currently more or less only paying off the interest. So I’m looking for a 0% credit card balance transfer or a fixed rate balance transfer. After having approached a couple of CC companies, who have done a…
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Complaint rejected by Welcome Finance
Hi All, I made a complaint recently regarding Welcome Finance but have today received a final response and they are rejecting my complaint. Could anyone advise of what I should do now? My complaint - I made a complaint in November 2006 (letter sent recorded delivery) to the head office in Nottingham. I recieved a written…
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2 satisfied defaults on record... where to get a loan?
Hi, So I have 2 defaults on the credit record from nearly 6 years ago that has made my credit score very low, around 300 if I remember correctly. I satisfied them both over 2 years ago and one of the defaults is due to leave my record in March and the other in November. I recently tried getting a loan from my bank,…
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Car Repossession Advice
Hi All, Some advice/info required from all you knowledgable people. I took a car on HP in October but missed a months worth of payment in December - I had an incident that required me to have an MRI scan and because going through NHS would have taken months I decided to go private so couldn't afford the payment. I sent a…
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Santander Loan been reviewed
Hi,I applied for a loan yesterday and got a e mail today saying, Your application is currently being reviewed and you will be contacted within the next 48 hours by either telephone or post to advise you of the decision. Does anyone know if this is a good or bad sign. Thank you.
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Course ending no £ should I remortgage?
I wonder if anyone can offer any advice. I am about to finish my degree in a few weeks. I owe about £3k to bank and £1k to relative. I have no income but own a house outright. Is it worth remortgaging - if I could or would bank extend overdraft til I find work?:eek:
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Anti-money laundering checks?
not sure what part of the forum this should be posted in, but ive just checked my credit rating on noddle and seen that there has been alot of checks in the searches by Gb group Plc and MEM consumer finance which in brackets both state they're anti money laundering checks. Is this normal? Does everyone have these checks??
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Experian Rep Query
Question for the Experian rep Sir When my ex-husband went into our local BoS to change his address, the clerk erroneously changed all my accounts to his address too. I noticed this on online banking, advised them accordingly, and it was changed back. In the interim however, they have reported this to all 3 CRAs. I raised a…
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Default Loan
Hi, It might be a silly question as I'm sure it'll be as straight forward as getting in touch with the company but I don't know how to start it all... Any way, I have recently got hold of my credit report and I have a loan that I defaulted on. Totally my fault as it was an immature situation where I "forgot" about the loan…
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want to get out of joint buisness loan HOW ???
Hello everyone just joined and looking for advice etc.. my situation is as follows: i have been in building partnership for 9 yrs and registered as a partnership with tax etc. we bank with natwest and have done so from the start, i am now leaving the buisness and we have 20k debt to the bank in a 17500 overdraft and small…
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debt
hi anybody can help iam in debt around 16000 i have 20.000 tied up in a flat wich my brother bought but he does not want to sell it so my money wont be free till then i am going to enter a plan with payplan but if i tell them i have this money what would happen would the bank take it away thanks
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Credit Rating Query
I know it's important to check your credit report, however I was under the impression that the credit score was more or less useless as each individual lender uses their own criteria. I am now wondering if the bank staff know this. I had an appointment to open a new current account and the customer advisor asked me if I…
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Advice about redirecting debt to original owners/recipients
Hi folks, I am writing this on behalf of a friend who really is at the end of is tether so any advice would be really appreciated. In a nutshell, his 'less desirable' sibling and partner who haven't worked a day in their lives, partake in any and every benefit scam and have run up considerable debt in the 14 houses they…
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help with interest free payment finance problem please !
My wife & i have a interest free finance plan and have just been charged an extra fee of £35 for a missed payment ( they changed the direct debit date ) my question is...... This seems awfully high for just a missed payment, is there a capped rate that they are supposed to charge ? thanks in advance :)
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minicredit-payday loans
Hi i hope someone can help, Although i have not had any dealings with minicredit however they took £2.50 out of my account and they wernt the only only in total in one month £180 from companies i have never heard of. All transactions were Visa Purchases so it couldn't be classed as fraud but as a visa dispute. Mini credit…
