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How can I find out if I have been paying for Payment Protection Insurance
Hi Folks I had a loan for a period of approx. 5 years which finished about 2 years ago. I think I have even destroyed all the paper work! Is there any way in which I can find out if I was paying a bit extra each month during the loan period for PPI? And if so, can I claim it back. (it's been in the news again recently)…
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Morses Club (What to Expect?)
Hi Everyone. I have found myself in the position where I need to borrow a bit of money. I am in need of some urgent cash and after looking at the 3 main doorstep lenders 'Morses Club' looks like the better of them! (I know how a lot of people feel about this type of loan, but I will be able to afford the repayments every…
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Help please with a Social Fund Loan
I got a letter today from DWP saying that I owed £785 and demanding immeadiate payment. I had no idea what it was about but when I called them they told me that they had given me a social fund loan in 1999. To be honest, I have no recollection of this but it was 1999 that i split with my hubby so i guess i may have had a…
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Welcome Finance Help
Please can someone give me some advise please! We took out a welcome loan about 10 years ago, to pay over 10 years. Missed 4 payments which were staggered over a 18 month period. At the time we were paying £387 per month. Last year got mis sold PPI back, £4K of which some went to payment protection partnership. They then…
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High credit score but refused loan
Hey - I applied to my current loan provider for a new loan to consolidate cc 's and turned me down saying I didnt pass credit check. i signed up to Experian and I have a score of 955 with no negatives....??? I have no idea as to why I was turned down? I have written to the loan company for a further explanation. Can anyone…
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McKenzie Hall
Hi All..new to this but wonder if you can help. I received two letters today from McKenzie Hall addressed to myself at my work address. I only got these as it is myself who deals/distributes the mail in the office. Can they do this ? Thanks.
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loan help for bad credit
i have bad credit as through a divorce a couple of years ago, we had to let a house get repossessed and i had to go bankrupt to pay off the debts from the marriage i have an income of £2000 a month and need to get £18000. any ideas where would lend this sort of money.?
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Car Insurance Loan - Premium Credit
I have obtained a copy of my credit file and although it is a credit agreement via Adrian FLux, Premium Credit supply the monthly loan to pay it. I have paid this for about 2 years to them however there is no mention of it on my credit report. Surley any credit agreement should show on my report ?
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Secured loan advice! :-)
Good morning all, I am looking for some advice on behalf of my mother in law as I think she's about to go crazy lol. Basically the facts are: - secured loan of £25,000 taken out for the daughter to pay off her 'past'... - daughter to make all payments. - daughter in new relationship, chap wants nothing to do with it, and…
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Advice/opinions needed re secured or unsecured loan please!!!
Hi all, I would be very grateful of some opinions/advice re what kind of loan to get,as me & hubby are very confused! We want to borrow £10-15k to do some work to our house & other bits(newer car??)we both work & our outstanding mortgage is just over £43k with 11 yrs left. We both have small individual loans totalling just…
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Unsecured Halifax Personal Loan
Official MSE Insert: If you've arrived from Google, our fully researched Personal Loan guide may be helpful. Back to the original post... I am looking to borrow from Halifax to pay my existing car finance off. My plan is to over pay a substantial amount in the first couple of months (£500-1.5k) as it looks like you have…
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loan how to get a better rate?
Hi All, I took out an unsecured loan of £15000 last year to consolidate and pay off some big debts. The rate of the loan is 14.9% apr. I am due to pay back 512.45 each month for 36 months. I started paying on July last year, and as of 1st March 2012 will have made 9 payments totalling 4612.05. It says on the paperwork that…
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CreditExpert / Loan advice please?
OK, so I got knocked back for a loan application for £9000 today. Tonight I have renewed my credit expert / experian membership and my credit score is still showing as 999. However when I use their loan quote facility which is supposed to be linked to my credit score and show lenders likely to loan me money, the only…
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advice on debt repayment
i'm posting this for a friend who's wife as just died,and he is now opening her letters and finding to his horror that she had a lot of debt,so far it's credit card and store cards.The amount so far is close to £15000.He had no idea about this,he's on a low income and with the funeral costs now as little savings.Is he…
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old studant loans
i have a student loan back from 1995. I don't need to pay them back until my gross income is £2311 i am on job seekers allowance, in order to defer repayments i have to send in bank statements showing my jsa payments. Now i have a joint bank account with my partner. Will they take her wages into account
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Personal loan,please can someone advise me.
Hi I am in a terrible state and not sure were to turn for help. Someone I thought of as a friend gave me some money when she got a lot of money from her husbands pension,I had done a lot for her,work wise,and she offered me some money. I was in a bad place and I excepted,she then loaned me some money after I wrote to ask…
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Irresponsible lenders?
I have recently gone on maternity leave from work. I have been saving but am concerned due to some extra expenditure about whether I can cover the mortgage and my Tesco bank loan until October when i planned to go back to work. I just called Tesco bank to ask if I could take a payment holiday (I have ten months of the loan…
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Cheapest unsecured loan?
With the base rate still at 0.5%, how much can a person with very good credit rating get an unsecured personal loan?
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Loan advice needed?
Hi folks, first post so be easy on me :o Anyway, I'm on the hunt for some advice. basically I need to borrow £9k within the next 30 days to pay my separation agreement. I have just applied with M&S loans and, much to my surprise, was declined. the last time I checked my credit rating (about 3 months ago) my score was 996…
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Don't believe a word Link Financial tell you!
I posted a while back about dealings with a company called Link Financial who were trying to collect on an outstanding loan which wasn't mine. After being continually harrassed on the phone by them, and them calling my parents (and identifying themselves) to try and find me after post was returned to sender since I wasn't…
