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Bank taken arrears from life insurance
Hi My mother in law passed away two weeks ago. We claimed the life insurance which was paid into her joint account with my father in law - they had since spilt up and this account was closed unbeknown to my brother inlaw when completing the form. (They had got back together before she died). The bank automatically paid it…
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Secured loan - mortgage?
Just wondered if anyone could give me some advice. please. I went into Santander today and the girls behind the counter were doing hard sells on everything from life insurance to mortgages! I have ended up making an appointment to see a mortgage adviser next week for an offer of a 5 year fixed term mortgage at 2.99%. At…
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Employer not providing settlement figure
I took a loan out in 2010 through my employer, and now wish to settle it. I have emailed three times asking for a settlement figure, and while I have received an email stating my request has been received, three months later I have not got a settlement figure, despite two further emails chasing a figure. I have called but…
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loans for over 60,s
Hi all my parents are both retired ok government pensions and state pensions and my mum gets disability allowance too, they need a loan for 5k to pay for medical treatment, they would really rather have a loan than suffer any longer - not ideal I know but hey.... Is there any retired lenders that anyone can recommend?…
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Credit Union
Hiya, I had an account with a credit union some years ago. I moved before the account was closed. I'm not sure if the branch is there anymore. Who would be the best people to contact? Thank you.
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This is ridiculous, The Student Loans Company
I graduated from uni in 2009. In December 2009 I paid the loan off in full and they sent me a letter confirming this. In March - June 2011 they send me letters saying they are going to send me money, I call them saying I don't want any money, they respond saying that was a clerical error, please ignore. Now they're saying…
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Non working son able to borrow from Pay Day, please help
can anyone advise me about a problem we've got with our 23yr old son, who's taken out 2 Pay Day loans without our knowledge. He's taken a loan out for £420 in April, after he'd been sacked from his job Feb 20th and another one for £120 which we think he took out to help pay his 1st loan. Both of these loans were given to…
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Wild Goose Chase
I applied for a zopa loan, got declined, but in the email they suggested completing an application with freedom finance, I did so who said Aspire Money can help, aspire money called me and took some details, they said they had found a lender for me and passed me through to their acceptance team who then passed me to the…
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Loan of £10k over 12 years - are 0% Credit cards the way to go?
Hi all - looking for some advice. I want to borrow £10k over 12 years (or less) for a car/home improvements. If I did this using multiple 0% Credit cards in sequence using the typical figures below (including transfer fees at 3%) I'd only have to pay £100pcm over 110 months (calculated on a spreadsheet using the parameters…
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Building Society at fault?
Hi. I recently advised my b/s (Nationwide) that i was experiencing financial difficulty and requested their advice. Their advice was to take out a personal loan to replace 3 credit cards and wipe 3 account overdrafts. I was told my affordability was OK and would get a decent % rate if approved. When sent to their head…
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Welcome Finance in the wrong?
Hi, I have a current loan with Welcome Finance and still owe about £5,000. This morning they rang up and asked me if I could take out another loan with a different company to pay them off. Surely this is illegal? If not then its morally wrong. Or maybe they're just going bust, Any ideas on how to handle the situation?…
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Welcome Finance Loan Agreement
My partner took out a HP agreement back in 2008 with Welcome Finance (yes, i know, we've regretted it ever since) We've managed to successfully re claim the PPI as it was mis sold based on my partners medical history which was a relief, however i have noticed some discrepancies on the Credit agreement that i dont know…
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Selling up home and new life (advice on loan please)
Hi everyone, New to MSE so kindly bear with me. I will just bullet point my current situation and maybe someone can advise. Be most appreciated. 1. I have been a single parent to my 14 yr old son for 2 years. I'm 38 solid job. 2. I own 75% of my own home (Moat own 25%) this is not part buy/part rent, just a straight 25%…
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Tesco Loan Agreed
@mods: Please delete this thread - thanks
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Letter help to secured loan company
Hi all I hope someone can help I have been advised by an "X" financial advisor that I could get out of my 25 year secured loan by asking the lender for a settlement figure not including the interest, then send a cheque to the value of the capital less £1, then the outstanding balance the following month will be £1 plus…
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A delicate situation ...
Good day folks! I came across a rather delicate situation and wondered how best to tackle it. A friend of mine (who has been a friend for over 20 years) said to me that they were unable to get a loan due to poor credit history etc. They asked me if I could either obtain a loan on their behalf or find some way to obtain the…
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Turned down on loan for "unknown" reason
Hi, Could anyone help. I recently applied for a loan with nationwide and was offered a very good APR of 6.9%. When I confirmed I wanted to take the loan, the representative from nationwide said it had been declined and the code was "unknown". He said that if I represented a high risk then I should have been offered the…
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Car Loan
Was just after a bit of advice...I've gotten a credit report from Equifax & my credit score is showing up as 454 (about average) with one missed payment on an old orange phone bill back in 2011 (their fault). I was just declined a loan from Sainsburys & obviously don't want to apply for any further loans unless i am…
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Managed loan
I have a 'managed loan' with HSBC. I took out the loan 9 years ago to consolidate a credit card, overdraft and a previous smaller loan. I have a further 4 left to pay. The payments are £79/month and I think the original amount was for £5000 a I no longer have any paperwork relating to the loan and a few weeks ago requested…
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Missing Payment - Consequences?
Hi, May I seek some advise for a friend of mine since I have limited knowledge to help him. He has a mortgage and personal loan account. He lost job in sept11, then went overseas and found work – which is not paying much but he managed to use his savings and kept on paying both mortgage and personal loan until now (jul12).…
