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Default accounts
Hi, I'm not sure if this is the right board, I tried to post about this last week but for some reason it never got online. I just wondered if someone could help explain to me what a 'Default account' is? I understand that if you have a loan/cc and you miss over 8 payments that it goes into default and this massively…
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rebates
can any body give some advise about loan rebates,have a doorstep loan would like to know if by law i am entitled to a rebate if i clear the loan early
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Moneyshop & CRAs
I was wondering if anyone could tell me. I had to take out a payday loan yesterday as an emergency. But the moneyshop did a credit search on me which has been recorded with Experian. Will the moneyshop also report the account conduct to them aswell? Many thanks.
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Loan companies going bust and repoening
My Brother took out a loan about 5 years ago with a loan company and after two monthly repayments they went bust. This company has now reopened under a different name and is trying to reclaim the outstanding balance plus interest. Is this in order or is there a statute of limitations on this? Thanks for your help.
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Missed Payment Secured Loan First Plus
Hi all, Bit of advice needed please. Last month I had to cancel DD for secured loan as I needed to get car repaired. ( I had no other option)..I contacted FP to tell them I had done this and agreed to pay at the end of month with my debit card. I did this. I then tried to set up DD again with my bank but they told me i…
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My chances of being approved?
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Savvi (Hitachi) ?
Anybody have any recent experience with a loan from Savvi? Just wondereing what sort of rates were actually offered and which CRA they searched? Thanks.
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welcome finance
We have a secured loan with welcome finance and we have heard they have gone bust, does anyone know if this is true? If they have gone bust do we continue with our repayments or not? If we don't continue with our repayments how will this affect our credit file as the loan we took with welcome finance was never reported to…
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loan or to remortgage
I am thinking of getting a new kitchen installed for £6000 , should I take out a loan or remortgage to get the money to pay for it ? what is best ? Help on this would be appreciated :T:T:T:T:T:T:T:T:T:A
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Loan help :)
Hi all I'm after some advice and personal opinions. I took out at 3K loan last year to do some courses I needed to do for a new job, it paid off and I got the job. I took it out over 7 years to get the lowest monthly payments as i was taking a risk as I wasnt guaranted the job. I pay £78 a month. Now ive got the job and…
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secured loan if not working
My mum is after a secured loan on her property of £14000. She has a £250,000 house where the mortgage is paid in full. She doesnt not work. Would she get a secured loan do you think?
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Loan validity advice
I kindly ask for your thoughts on this matter..... In 2008 we found ourselves in a debt crisis. Our income fell short of ouroutgoings on credit cards and store cards. Our mortgage was up to date and we had no other secured loans. I responded to a web site that offered free debt advice and debt solutions. After a telephone…
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Is PPI void if debt recovery get involved
Hi all, Heres one for you... i have 2 loans that i got back in 2004/2005 that i unfortunately missed payments on. Both loans ended up going to debt recovery agents and i have been paying them back with a reduced payment plan for a few years now. I had insurance on both loans that covered me for redundancy and i was made…
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Help needed please
While looking through some papers I found a credit agreement for a loan from the Alliance and Leicester Personal Finance Ltd. dated 1998. I have never had a loan from them or dealt with them so does anyone know if they were ever connected to a High Street bank.Thankyou
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Loans between friends? Ever statute barred?
Hi , Long time lurker but have read some very helpful posts so thought I would see if anyone can shed some light on a problem for me? I lent a family member of my now ex partner £8000 6 almost 7 years ago. No payment has ever been made, there is no promissory note, no acknowledgement of the debt , although I can prove it…
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payday loans on credit report help, multiple entries!
Hi All, I'm applying shortly for a personal loan and if it weren't for having a history of using PDL's I'd be confident about getting approved. However, I've checked my report on Experian and it's much worse than I thought companies have reported my payday loan as settled as much as 3 times! I know this because the dates…
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When is consolidating a 'good' idea?
I understand the general feeling on the board advises against consolidation but wondering when or if consolidation ever is a good idea? In my case foe example I'm only managing minmum payments on my CC's but they're on 0% at the moment. When the deal ends in a few months is this a good call to look for an unsecured loan…
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Loan advice - Partner with adverse rating
Has anybody had a load approved fairly recently at a good rate where they have what would appear to be a good credit rating but someone who is financially linked to them has a unsettled default? Having applied to my bank, Nationwide, and been declined despite the soft search offering me the lowest 6.3% rate it would appear…
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Wonga
Hi Bad time at the moment as in process of splitting from wife and trying to sort out somewhere to live where my kids can visit so please be kind as i really dont need judgement. Stupidly, for the last 18 months, out of desperation, I have been getting loans from Wonga which is now at 1000 this month. As of yesterday we…
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RBS !!!! up
It seems that RBS are at it again. I have a loan (£428 a month re-payment). They took off the payment yesterday and they took another £428 off today. Just off the phone to them. A known fault which they say will be rectified by 8.00 this morning. :rotfl:
