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Bad Lending, Loan
Hi can somebody advise what I can do here please, I had a loan from RBS of £2500 for the start up of a business idea i had, i made an appointment with the bank manager, went and saw him with no business plan or anything to show how the business would work and i got the loan this was just at the begining of the recession a…
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Voluntary termination of car finance with Santander
Hi I am looking to VT my car. I have checked the paperwork and I am almost at the half way point, or will be after the next monthly payment. The car is three years old and has a few minor scratches, which I am sure I can probably sort myself with a little bit of polishing! I just have a few questions about the process. - I…
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PPI Compensation with Welcome Finance
Wondering if anyone can help me, long story short I took out loan with Welcome finance a number of years ago, couldn't keep up repayments, went to debt management and they have paid them on my behalf ever since, recently enquired if i had PPI on this loan and low and behold yes i did, made my complaint to Welcome they have…
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Secured loan advice (is it the best option?) - £10k required
Dear Forum, Firstly here are the vital stats! - Aged 30 - Salary £38k per year, net £2k per month due to pension (I am an emergency services worker with larger than normal pension contributions) - Credit history is poor, I have 3 defaults, which are all now shown as satisifed or partially satisfied (within the last year)…
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Help!
My MIL has a credit card that we owe 16000 on. We pay the monthly repayments but obviously it's going to take forever to pay off. She wants to get a loan to pay it off and then we can pay the loan repayments monthly. The only drawback is that she's a pensioner and 75 years old. She owns her house and has no mortgage on it…
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Creation Consumer Finance LTD Direct Debit
I've just gone onto my online banking to clear out old direct debit instructions for things we don't have anymore (Sky TV, etc) and saw that there was a Direct Debit in place for Creation Consumer Finance LTD. The direct debit has a date of 00/00/0000 and has never taken a payment out but I'm worried that they may do in…
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Vehicle finance in different name to registered keeper
Hi All, Sorry if this is not the correct area for this - I'm about to purchase a vehicle on Finance (3 years). The finance will be in my name but the registered keeper will be a relative. Is it even possible to do this? Advice appreciated.
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loan help
hey i currently have 2 payday loans which are costing alot to maintain every month. I am looking for a loan to pay off both of these pdl but i have a bad credit rating. Can anyone suggest any loans companies which are suitable for people with poor credit.
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Help needed
I have an overdraft of £700, credit card bill of £500 and a outstanding lloyds bank loan of 2400 which will be finished in 16 months. I'm struggling to clear my overdraft and credit card this month so I asked about a loan for £4000 over 3 years and was shocked to find I would have a total debt to repay of £5600! Is there…
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Santander APR on authorised overdraft of £12.01
Just for the hell of it, can anyone calculate the APR on an agreed O/D of £12.01 that lasts for the full year? Santander currently charge £1/day, capped for 20/days a month, though we all know that that is never going to go down and it's probably just a matter of time before it's either £1.50/day or uncapped. They have a…
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Secured loan with no previous mortgage?
Official MoneySavingExpert.com insert For full info on secured loans, see the main website's Secured Loans guide. Back to the original post... Hello All, First post by me and I'm afraid its a question as opposed to an answer/solution for anyone, I do hope that this is ok?! I am currently in the market for a secured loan…
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lowest settlement figure from BCT?
Hi, I have been really ill over the last year with mental illness. I have fallen behind with my payments for a car loan i got for 5 years in Jan 2006. I have now retruned to work but still have mortgage arrears etc. I rang BCT to ask for a settlement figure as my Dad offered to looan me some money to clear it- i thought it…
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Bankruptcy over paying it off
When my marriage split up, my ex went bankrupt for £70K and I paid my share of debts of £25K with much hardship and it took 6 years. How I regret not going bankrupt! Just checked out getting a loan of only £3k to see how my credit is and find I can only get loan for 12.6% interest. Fill in the ex's details, he can get 6.4%…
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Do I get a loan?
Hi all, We'd be really interested in your feedback. We bought a house one year ago that needed a lot of work. It's in an expensive area. We've been very sensible and have used the £400 we can save each month to do the house up gradually. We've nearly finished and have managed to add £35,000 of value to the house having…
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which address for sar letter welcome finance
hiya, does anyone know where i send the sar request letter to welcome finance? head office or just the office that my accounts are with? thanks
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Do you always get offered an overdraft?
I am pretty new to the UK and I therefore have no credit check here yet. Will I get offered an overdraft no matter what bank I go to? How much do they usually offer you, 100? And is it possible to get more than that considering they have no credit check to go after? I know overdraft isn't an ideal solution but it would be…
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Swift Advances Excessive charges Reclaim !!
Hi All, Help and advice needed please. Just recieved back my SAR from them, heres a little background info. In April 2005 i took out a Secured loan via Loanmakers with Swift Advances for £11642.25 over 60 Months at a rate of £261.99 per month which totals £15719.40. During the loan term especially in 2008 i fell into…
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Being chased by ex employer for repayment of study fees
Hi, In August last year I left my previous employer (accountancy practice) but did not complete my qualification. The terms of my contract stated I would have to repay if I did not complete which is for £1689. Their policy is for them to deduct this from my final pay packet; however in this instance they did not do this as…
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Help needed
Hi, i do not know if this is the right place to post this, so sorry if it is. I took a pay day loan out a while ago and fell behind on my payments. They took £850.00 out of my account last month and i agreed to pay £50.00 a month till the debt was cleared. I phoned up a couple of days before i was due to pay the £50 to…
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Maximising Chances of Getting Loan
Hello there folks, I am trying to borrow £8k but am getting very mixed messages about my and my partners credit rating. Presently I have a loan with Lloyds TSB -- this is where I would get my loan. We had a touch of a wobble with the current accounts at Christmas with regard to bank charges but have kept our noses clean…
