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Graham White Solicitors/Roxburghe Debt Collectors
Hi - I just want to briefly explain my story and then I'd be grateful of any advice or tips etc. Back in May 2009 I pulled into a Staples car park to pick up my daughter from school (it's half way home and she was already waiting), I pulled in, she got in the car and I drove out (took me approximately 10 seconds). Didn't…
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Loan companies listing themselves as credit unions
Hello everyone. I'm a social policy co-ordinator with a local CAB and one of our advisers recently alerted me to a local directory that was listing a number of payday lenders as 'Credit unions'. Obviously this is a bit of a worry as it is potentially misleading to many of our vulnerable clients. I was wondering if anybody…
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Money Shop
Hi All, firstly sorry if I have posted this in the wrong forum. I need advice with regards to the money shop.... I received a tax rebate and was going on holiday so decied to cash the cheque at the money shop. Everything was fine until today, two months have passed since I cashed this cheque and I received a letter from…
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Car Finance - Can I get out?
OK, I hope this is in the right area of the board, big apologies if not. I need some advice, I have just got a second hand Mini One 1.4 Graphite on finance, I did have a Fiat 500 on finance and they have settled the finance by way of me paying 500 pounds (I can't find the pound sign on my keyboard, sorry) and them settling…
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loans on benefits
My son who is not with me has managed in the last 3 days to ge 3 loans of £100 plus at least 1 contract phone to my knowledge ..we are currently not in contact due to reasons not for this board is this usual...he only gets jsa and is already paying back a social fund loaon of £5 a week and fines of the same. How much more…
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Black Horse Finance?
Hi I want to pay off my car loan on finance, I have a good 0% deal with my credit card which is due to end next Feb and have enough funds to cover it but when I called them they (Barclaycard) said I can only use the extended offer (0% until end 2013) to pay off other credit or store cards but they would credit an old…
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2 smaller loans for better rates?
Hi I am looking to buy a new car and have been on the comparison sites looking at loans and have found that (lenders allowing) taking out two £10k loans would work out a lot cheaper than one £20k loan. Is this something that can be done? Thanks in advance Jamie
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Best way to pay off overdraft??
Hi all, I am really hoping that someone can advise me. We are nearly at our overdraft limit of £2500 - not helped by the fact that it is only mid July and that our car goes into the garage for its MOT and service on Monday! :( Should we: a) get a £3000 loan - the best option seems to be Sainsburys & we are Nectar card…
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PPI on mother's loan Please help.
I've gathered enough info to claim but there's one problem. Basically my mother took out a loan of 10k and the interest was around 2k and the ppi was 4k. The loan has been paid off but while she was paying off this loan at the time she suffered a stroke and was given advice by her friend that the bank will pay off her loan…
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Payday Loans Help
Hi forum I would just like to see if anyone can give me advice on how to pay off my loans. I owe about £1200 of PayDay Loans To Date. A loan of £600 is due at the end of the month. I earn about £400-500 a month. I have been looking and applying to several banks online for loans for over 12 months or 24 months for £1000 and…
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Cannot work out my loan figures
I stupidly got a loan a while ago -but only just got a copy of the agreement; but cannot work out the figures - i cannot believe i took this loan - they never explained anything to me or if i had the choice to canel the insurance premium loan £11000.00 ins premium £ 8266.71 5.17%per annum £10376.89 can someone tell me if…
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MacKenzie Hall / Wonga
Repost - posted in wrong place earlier. About this time last year, my son took out a number of payday type loans with several different companies, including Wonga. He finally reached the position where he had no money left, as all his wage was being taken in repayments. He returned home, where I took control of his…
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a bit baffled
had a loan for a kitchen in 1996 with First National Bank plc, ended up with county court judgement, then the account was passed to Asset Link capital. Not had any statements in years, just kept getting warrants every now and then which we paid. We moved house last year after a repossession and informed them and the court…
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Loan ID Fraud?
Bit of a strange one this, relating to Provident Personal & The Cooperative Bank Before going on holiday last month I noticed a debit on my account to Provident Personal for £20 - a name I knew nothing about. Being in a bit of a rush, to pack & whatnot I decided it would wait until I returned home to query it. Possibly…
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Wonga Collection Times
Hi guys just wondering if anyone knows what time of the day Wonga roughly collect payments on a repayment plan, got the money in my account for tomorrow is it like 5am or something? Cheers
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Urgent information need re:Payday express
Hi All, needing some advice. I have a payday loan with payday express, i defered the loan on my last payday. Capital is 520 and interest for the month 130, so a total of 650 on my next payday. today I phoned up (within 14 days of the loan being setup for this month) and paid back 470. what express are saying to me is that…
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Rejected loan application against a mortgage at Alliance and Leicester
Hello, my partner and I have recently had our loan application to Alliance and Leicester refused and we can't really see any reason why they would have done this. They couldn't give me any specific information about why it hadn't gone through, just said it was according to their points system. Neither of us has bad credit,…
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MSE News: A payday loan could cost you a mortgage
"Lender GE Money will not approve a home loan application from a borrower who took out a payday loan in the past 3 months..." Read the full story: A payday loan could cost you a mortgage
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HSBC loan. How much rebate if any if I end early?
Hi all, hoping you guys might know my answer :) Took out a HSBC loan Juky 2011 for £7000. Interest was upfront so applied to balance which was £811.92. So I owed £7811.92. At £216.99 per month over 36 months. Due to end July 2014. I am working hard to pay it all off December 2012 this year. So thats 19 months early I would…
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Going Backwards fast....
Desperate for good advice! My spouse and I have a monthly net income of over £4K, household outgoings including childcare of £3.5K, but have amounted considerable debt, initially through irresponsible spending, then compounded whilst partner wasn't working, of over £45K; 50% loan and number of credit cards, 0% where…
