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Payday Loan - Reclaiming Charges
Hi, I was just wondering whether anyone had ever tried to reclaim unfair charges or interest rates on payday loans? I know that there are so many different things you can claim for know that I wondered if this was possible. Even if no one has tried does anyone have any tips or even a sample letter that I could send off?…
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Txt Loan WONT ACCEPT REPAYMENT
I'm in a dilema, I refused to pay the £25 admin charge on my account. I lost my bank card christmas eve, the loan was due christmas day, I went to my bank to draw out some cash for the following 3 days festivities and they wouldnt give me more than £100 unless I cancelled my bank card, so I did it, not thinking. They…
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HSBC loans again...
I recently applied to HSBC for a loan for £13k to refinance my existing borrowing. I have never missed a payment to a creditor, no CCJ's, HSBC customer for 15+ years, electoral roll, £27k PA etc - probably 'average' credit rating. I've applied as I'm in the middle of a 4 year pay freeze and have little chance of…
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Help!
given up now
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Car Loan
Hi I wonder if someone can help me? I am due for my current loan for my car to be finished in April 2012 when it is my intention to pay it off. I have been contacted during December 2011 by the sales man who asked if i would be interested in getting a new car from them. I said i wasnt and told him my intention to pay off…
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Credit score - pls help
Hi there I would appreciate some advice about my credit score. The current score is 489! As you know this is very poor. I have not been great but I have not defaulted on anything. Mortgage – up to date I have 29 records in ‘my account information’. 22 of which are settled in full and always up to date with payments. Here’s…
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need advice on a loan / credit card situation
hi everyone - I hope you can help! I took out a graduate loan with my bank of £5000 at a low rate (about 5.8 I think) 2 years ago and I've been DD-ing it for the arranged £102 a month. It's worked out so that I have borrowed £6164.42 in total and I am just paying that off with £102 a month for 5 years. So the interest was…
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HSBC Bank loans
Hi I recently applied for a loan of £15000 from HSBC at 6.3% apr have spent some time speaking to the sales person I was told that after credit score on me the rate was 9.9% I told them to explain why and they could not. I callup my credit score on callcredit for £2 so I could see what the the problem was and it had that I…
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Barclayloan - Overpayments?
I have recently taken out a Barclayloan for the shortest term allowed (5 years) for £25,000 at a decent rate of 8.7%. I wanted to take it over a shorter term to pay off quicker but they wouldnt allow me to do this. Does anyone know if it is possible to keep the extra (say £200 per month) and pay it off the loan every 6…
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New Student loans
I am going to university this year I get a bursary for my tuition fees so will only be taking out a student loan for maintenance which works out to be roughly £1700 a year. I don't really need this money as I have savings from working for 2 years but I have seen lots of things saying take a student loan it's the best type…
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Overdraft + credit rating
If I go into my overdraft, does this affect my credit rating? Essentially my dad is extremely ill so my mum and I are sorting out taking over his finances, and I didn't realise they had got themselves into a bit of a mess with their accounts. They had a big credit card bill coming in, so I agreed to lend them the money to…
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Loans if you die?
Hi, if I die are unsecured loans the I have outstanding payable by my estate? If so, What if there is not enough in the estate? Will my wife have to pay it back? They're in my name only.
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Legal interest rate
Hi. Does anyone know what the maximum interest rate that can be charged on a 36 mth loan with a licenced lender. The loan amount is £3000 (poor credit file)
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Move to Germany...Bridging loans
Hello. I'm new here I am looking for any advice. A relative is looking to sell a freehold here in the UK and move to Germany. We have been in contact with Sparkasse Bank about a property. At some stage we will be visiting to discuss financing etc. Has anyone here had any experience of bridging loans in Germany? Are they…
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anyone used approved-loans
just had a text from them saying i have been approved. checked there website, should they not be covered by the FSA THANKS:T
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Minicredit help!
Hi all, I'm absolutely desperate for some help with these people! (Loosely termed). I was out of funds over xmas and in my stupidity I took out a £150 loan with them. To cut a long story short I moved banks in January and what with one thing and another I missed the due date 25th January 2012. I suddenly realised I had…
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I want to have my Loan + Credit Card in One Monthly Payment. Advice Needed
Hi firstly thanks for taking the time to read this. Right basically I have a £10,000 loan with Halifax which im paying £250 a month to pay off over 48months, then I have my Barclaycard Creditcard that I have -£6500 with im currently paying £139 a month. So im paying about £389 a month, Ideally I want to get this monthly…
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HSBC loan interest refund
Hi everyone. I have just finished repayment with for my personal loan at HSBC and part of the deal was that they will refund 10% of the interest paid. I tried to contact them but they couldn't give me a date. Has anyone got the refund from them before? When do they process the refund? Thanks in advance!
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Wonga taking money in random amounts..
Hi everyone, I thought it was about time I joined here seeing as I spend so much time getting great advice here lurking in the shadows! Now I know, I know...payday loans are a big bad idea but it was Christmas and I was desperate and I could actually afford to pay it back.....until since getting the loan my fridge freezer…
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PPI on car finance
Hi Guys/Girls I have recently bought a new car which i pick up on friday, financed by the dealers finance package. I want to take out PPI out on it seperately, is it as easy as approaching an independent insurer and providing them with the relevent details of the finance arrangement? Thanks
