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Career Loan - Cancelling
Hi All, My boyfriend was given a loan by a training company to pay for a course, however after only 2 sessions he left because it wasn't what he expected and the instructors were unhelpful. He's been told he still needs to pay the full amount, which is payable over 36 months. I'm writing a letter on his behalf which offers…
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Natwest Settlement figure
I obtained a settlement figure for my loan 2 weeks ago which was £7620.54. I called up today now Natwest say they have no record of that settlement figure and it is now £7655.04. I can track back the date and time of the call that I made, but do the settlement makes have an expory date of less than 2 weeks? Slightly…
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Career Progression - Finance
Hi there Experts, Just a quick question really, this may not seem genuine but I assure you it is.. I am 24 years of age and still live at home with my parents.. I have a full time permanent job at the moment. However I would like to change careers but this needs lots of financial input to get me going. I was just wondering…
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Car finance balloon payment - advice please
I am looking for some advice. I have a car which I brought new on a finance agreement with a balloon payment at the end. My 3 years are almost up and im not sure which way to go. So I understand I cant sell the car whilst on this type of agreement and the amount must be paid in full to financier before I own the car to…
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Car PCP - Hand Back ?
Can anyone confirm if a pcp car can be handed back when half of the amount is repaid ? I've had a look over all the paper work and can't find this info. However was told this when I took out agreement.
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Loan issues - with guarantor issues
I took out a loan last year and required a guarantor on it, which i kindly got from a friend, since this time my husband has left me and i am struggling to cope therefore signed up with the CCCS recognising my issues.... i informed my guarantor that i could not cope with all the presssures, and he also informed me that his…
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Taking control back over PDLs
Finally posting on this forum after reading through everyones experiences with payday loans. I've fallen into the PDL trap like many others but am finally pulling my head out of the sand and trying to face up to what I need to do.! I've been taking out Wonga loans since last summer, gradually taking more and more each…
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Barclays loan please help????
Hi, I am looking for some serious help please...... My mum took out a loan for me for 25,000 4 years ago and it was over 10 years, I have always paid but I have now fell pregnant and carnt afford 337.69 a month for this loan, don't get me wrong I would work 15 hours a day to get it paid but I went to the bank to see if we…
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Paying off a loan early
Hello! Just a quick question as I am not 100% sure what happens when you pay off a loan early. I took a loan out with Halifax in July 2010, had 3 month thing where you don't pay anything off for 3 months a the beginning, the loan was for £3500, and if I let it run its course it will be November 2018 it will be paid off…
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credit score/loan
Hi guys, well i have just received my credit report and my score is FAIR with 820. I need to borrow 5K. i have changed my bank last year therefore they do not give me loan as yet. i have been with HSBC and paying my loan that i have taken out in 2009. i have only 3 year left. on my report it says next my HSBC bank that…
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Bank Loan
Would I be able to get a bank loan with Barclays ? I am 21 work full time about 45 hours a week but my credit isn't that good I am not even able to get a contract phone at the moment :( . How can I fix my creit history I was in about £300 debt with another bank but that's bieng paid back monthly. Sam
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loan company added extra 6 payments on
My loan company have added an extra 6 payments onto my loan as it is coming to an end, the reason they gave me was that the interest has gone up. However they also added extra on to each monthly payment when it did go up. Can they do this??
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Credit Report - How do they work?
Hi guys. Sorry if this is posted in the wrong section. I just went and agreed a deal on a brand spanking new car. Total came to £12000. After telling the guy all my details, he was almost certain that id be accepted for finance. It was through Evans Halshaw with 0% APR. I'm 21 years old and have been working since i was…
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Tesco Application Process Query
Hello, I applied for a loan yesterday with Tesco for a car. £7.5K over 4 years. My credentials are: £27K salary with monthly outgoings of £750 mortgage, £87 Other outgoings and £2100 over two credit cards (Virgin £1K limit and BC £3K limit). At the end of the process it said that Tesco would call me back in a few days to…
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Advice please anyone??!!
Hi i need some advice regarding pdl's please. I currently got into some trouble with payday loans resulting in the constant cycle of deferring them and never reducing them. I am able to pay them at a scrape but the re payment dates are set too close together resulting in me paying some and deferring others. I have another…
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Loan - 5 yrs no contact
Hi, Quick question i had a loan in Ireland which i think i took out in approx 2003, i've not heard from them in 5-6 years. I believe there is a ruling where i could not be brought to court only asked to pay it? TIA
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Long time debt & pension advice
I have a bank debt of approximately £20k which I have been paying off at £10 a month for many years. I planned to continue doing this as there was no way I could pay it off in full, but now I am due to receive a lump sum pension and am wondering what would be the best thing to do. The pension is approximately £30k so I…
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self employed loans any advice appreciated ?
hi,i would like to hear from anyone who is self employed and has recently obtained a personal loan, as at some point during 2012 i would like to obtain a loan for approx £10,000 to £12,000 and basically would like to put myself in the srongest possible position to achieving this,my status is as follows s.employed-renting -…
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Consolidate personal loan into home loan?
Been talking to bank today about consolidating personal loan into one of the two home loans I have with the bank. Was probably misadvised by bank two and a half years ago when I took out the personal loan - the home loans were already in existence and could simply have been extended. Interest on the personal loan is…
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Trying to find out who I had a loan with..
Hi I had a took out finance to buy a car in July 2003 with one of thse companies that sold cars to anyone & I can't remember who the actual finance company the showroom used & I no longer have the paperwork & the loan was paid off in Dec 2006 & I believe this would have had PPI included as I was there for hrs & told the…
