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Order of Loan Repayment
I have two loans. One, a standard personal loan. It has an interest rate of 11%. The outstanding balance is £4300. I have two years of repayments left on this loan. The second, an unsecured element of my mortgage. It has an interest rate of 4.8% and an outstanding balance of £19,000. I have about 19 years of repayments on…
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Help with secured loan (welcome finance)
Hi there Could do we a bit of expert advice please, In 2005 myself and my wife took out a secured loan of 20,000 with welcome finance all was fine until 2008 when the interest rate on our property sky rocketed due to the rise in LIBOR rates. Unfortunately we where unable to keep up repayments on our loan and mortgage and…
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refuned broker fee
on here a while back i posted a tail about a company called AK MANEGEMENT [UK] LTD PEACOCK HOUSE NORTH BRIDGE ROAD BERKHAMSTED HERTFORDSHIRE HP4 1EF THANKS to some advise on here, and a few lettters and emails of getting no were fast i contacted the ombududsman, regurding getting my money,:j as stated by many people they…
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Trevor Munn Solicitors
Hey All, I just wanted to know if anyone has had any dealings with Trevor Munn solicitors? I had a Wageday loan which is currently being paid of by my Debt Management Plan. About 2 weeks ago they sent me a letter saying they were preparing to issue a CCJ to me about this. Naturally I rang my Debt Management Plan and they…
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Co-guarantor on a loan, but we think bank has no paperwork!
hello sirs, this is my first post here, I like this site and am just trying to seek information. In 1998 I, along with two colleagues had a limited by guarantee company doing music with community groups. The bank in question said we were eligible for a £4,000 business loan (after 18 months) so we signed. The loan was…
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What will they lend me money for?
Hi, I currently earn around £1500 per month (after tax), i am paying £465 per month for a mortgage and want to borrow £17000 so i can buy the building i have been working from I have been paying £50 per week rent and putting £60 per week into savings. So i know i can afford £110 per week in loan repayments I'm unsure how…
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Santander Car Loan final payment shocker
My son took out a car loan with Santander in 2008 he has received a letter stating his final payment will be in June 2012, but on top of this it states that in order to transfer title of the vehicle from Santander Consumer (UK) plc to you, there is an additional administration charge of £299, as shown in your terms and…
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Overpayments on Loan
Hi All I currently have a small personal loan for £4000 over a 4 year term (started in March 2012). Due to previous bad credit its on a high interest rate so I am looking to pay it off as quickly as possible with overpayments. Due to a good month at work I have this week made overpayments totalling £550 (monthly payment is…
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10yr old Student Loan debt
I'm hoping someone can help me here... I've just recieved a call from the Student Loans company claiming that I owe them over £4,000. I was actually under the belief that I had paid off my loan back in 2002. But she claims that the full amount was never settled. However I've never heard anything from them. Wouldn't the…
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personal loan
Hi I am just about to get a mortgage but I'm also getting a personal loan to do the modernisation on the house, which one do I do first. I am worried about credit checks on my history so I want to get them in the right order. The loan is unsecured as there isn't enough equity in my house to use. Thanks in advance staysafeu
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Litigation loan or legal aid?
Hi My husband and I have just split up after 12 years of being together, two children (2 years old and 4 years old) and we married in 2006. He is paying me v. little and I now have no choice but to go for a divorce. I have been talking with a private lawyer who deals with cases with an international element. We relocated…
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Buying a car - Loan or Credit card?
Hi, I am looking to pay £2000 over 2-3 years and looking to find out the best way to do it. Ideally I could do this with the least Interest possible but over the longest possible time. As my wife is pregnant then many can be paid back on a monthly basis but may be on a smaller, managable amount. Can anybody advise what…
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Cant afford car finance, can i hand car back?
Hi I have a car on finance which ive paid over two years of a 4 year deal. Ive just been made redundant and cant afford the car anymore, it costs me over £500 per month all in! Ive paid over two years worth of payments but because its NOT hire purchase, im not sure i can just hand it back? The company have offered me a…
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Car finance predicament
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Lent money to a friend ... (Advice Needed)
If anyone has any advice on the below, or/and the best way of tackling the situation now, I'd be very grateful. On 30th November lasy year, I lent a friend £300 (cash). She had been taken to County Court for non-payment of rent and 'supposedly' faced being evicted (or so I was led to believe etc). She isn't working and…
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credit rating for personal car leasing
Hi all, Do you have to have a tip top credit rating to be able to lease a car through personal contact hire? I think that you do, because why would anyone trust someone with less than perfect credit with a brand new car, especially when no significant deposit is made. My mates thinks that you dont, as you arnt technically…
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Early Repayment of Loan
Hi, My wife has been paying a loan with Creation since January 2011 with a starting balance of £6,378 on a 60 month term. Although she has been making monthly payments of £136, her credit record seems to indicate the balance has only reduced by around £500! We want to clear the loan through a remortgage in a few months…
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PPI companies CMC's
Trying to reclaim PPI I asked a CMC last week for firstly some advice and what help they could offer, very quickly they were more interested in telling me they charge 30% then VAT then a further 8% for something else, thankfully some of the superstars on this site have really helped me so far to begin doing it myself and…
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Statute barred scotland
My husband had finance on a car 12/13 years ago. He handed the car back under the terms of his finance agreement. The finance company sold the car and still wanted the full finance agreement payment (contrary to his agreement). We lost touch with the finance company ove the years, the last time we heard from them was about…
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Virgin loan help
Hello, I am looking to make a PPI claim however i cannot find out who bought the virgin loan protfolio. i believe they sold it to another company back in 2010. Can anybody help me please? Many thanks
