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Student Loan? - check you are not overpaying
Keep an eye on your student loan. I am receiving a £7000 refund (no interest of course!):j
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Santander personal loan early repayment charges
Hi I am hoping to settle my loan early with Santander but I only have 7 months left. From the settlement figure they have give me today it would cost me 1 months payment to settle early. So should I just let the loan run for the next 7 months? Any advice would be appreciated Thanks
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Car Finance, about to sign on the dotted line.
Just about to sign on the dotted line for Car Finance with a local dealership, but I was emailed by them a short time ago and have become a tad stumped. The first set of figures below are I how i've worked out my repayments. Yet the car dealership sent me the summary below; If you work out the deal over 36 a month period…
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Extending a new loan
Hi guys, I have just been approved for £6k loan for home improvements but I have just realised more needs done than expected. Does anyone know how banks work in increasing and extending a new loan. I was looking to increase to around 10k plus increasing the loan period. Does anyone know if this would work or would the bank…
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Myloans and Loansdirect took money from my account...help!
Hi guys, I have had two company's take money from my bank account without my permission for admin fees for processing a loan application that I never applied for. I went down to my Bank who put me through to the "fraud team" who fobbed off with some story of how I need to deal with it myself, the only useful thing they did…
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SGE LOANS - Prepare to be scammed
I know how hard it is to get finance, I have 2 loans and a car on HP. While never missing a payment this pushes my ability to get more credit into difficulty. I fully understand this, and shopped around to see what was out there. After a week I opted for SGE Loans because their APR seemed lowish and repayment affordable.…
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How long to wait before applying for loan?
We're currently in the process of applying for 2 mortgages (1 residential and 1 buy-to-let). We are also hoping to take out a loan for about £10,000 over 1 year to enable us to do some renovations and repairs on the new house quickly. Is it ok to apply for a loan as soon as the mortgages have been approved or should we…
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no statements being provided
Hi, wondering if anyone can advise please: My OH and I had a rather large business loan. When the business closed we took the loan on personally as it was secured against the house. As would could personally only pay about two thirds of the supposed monthly payment we tried to make an agreement with the bank. We had to…
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Who supplies finance for SCS sofas
Hello, I was just wondering which finance company supplies the finance for SCS sofas? I can't find who it is on their website. I know its hitachi for DFS.... I am thinking of applying for credit for a chair, but was just wondering who it will be with first.
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Welcome car finance
Hi Wanted to find out a little info on where I stand with a hp agreement with welcome we had a 4 year agreement we paid nearly 3 years then had a change of circumstances and could no longe afford it so we missed a payment and told welcome they have to take the car as we can no longer afford it but this was in September…
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Overpayments on a tesco loan
Long time lurker her, just after a little advice really. I want to make some overpayments to my tesco loan, because i quite frankly want to get rid of the last debt i have. we got this setup in mid 2009 and were originally told we could NOT make overpayments. This story has now changed, and after checking the website,…
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Thoughts on Zopa?
What are your thoughts on Zopa the peer-to-peer lending company (and similar companies)? Do you see any positives and negatives? The big negative I see is that if you miss a payment by even just one day that is a 22.5% fine of the amount you missed which could rack up quite a bit. Contrasted to the fixed £12 fine a lot of…
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8 months of Loan Hell!
Hello everyone, I have had quite an experience with my loan over the last 8 months. I am hoping that it is nearly sorted out now. I am interested to find out it if the Loan company have broken any laws because they were very keen to offer me £300 "as a gesture of good will" to resolve my complaint. If anyone knows the law…
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Santander Debt Sold on - Help Please
Hi everyone, I have browsed these forums for a few years and have gained a lot of helpful advice along the way. I was in a pretty bad debt situation 5 years ago and entered in to a DMP with the CCCS (thanks to reading this forum). I am now out of my DMP and making regular payments to my remaining credators, all at the…
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Issues with First Plus and solicitors after moving home
Back in the early part of this year me and the family decided we needed a bigger house. It was our first house to house move (prev 1st time buyers), so we really didnt know too much of what we were doing. We got ourself a solicitor, filled out all the forms, got the mortgage increased and everything went nice and smooth. 4…
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Declined £320 credit
Hi All, Just thought I would let you all know my amusement that after applying for 6 months interest free finance in Tesco for an Ipad I wan declined. The next week I was approved for a £10k loan.....go figure???
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Cancelling Equifax
Has anyone had trouble cancelling with them? I signed up for a free trial last month and had it on reminder to cancel it this week, so I rang up and the girl was pretty rude and I had to give all these reasons why I wanted to cancel. I told her it didn't contain as much as free reports like Noodle or a £2 statutory report…
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HP Finance Vs Personal Loan
Hi, I recently I bought a new car using HP finance but because I didn't have much of a deposit, the apr was way over the odds. Basically I took out the HP for £6995 over 5 years, but if I pay the whole term this will end up as £11,750. I was wondering if taking out a personal loan to pay this off would be a good idea as I…
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Paying off loan early?
Hey guys, Just a quick question; I took out a loan with Nemo Personal Finance a few years back. I now have 12 months left until its paid off, but would rather just pay it off early and save myself a little interest and take a monthly outgoing out of the equation. However, when contacting them, they are looking to charge me…
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paying back student loan
dont know if this is the right place to post this so will also put it in the students section, but not sure if thats the right place either! i am being made redundant at the end of the month and have just received my last pay slip. i am also 31 weeks pregnant so have received my smp in my pay packet, along with pay for…
