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Does anyone have a payday companies loan agreement copy and their t&c's
Hi, does anyone have any payday loan companies loan agreements and T&C's that you get when you sign up for a payday loan? I want to collate as many as possible and find differences (mistakes) to see if their are any major payday loans companies out their with UNENFORCEABLE agreements. Then make people aware of these :j:j:j
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Creation finance
Hi I have read a lot of negative comments in relation to Creation Finance mainly for interest free or store agreements. Has any one any feedback on fixed term/interest loans with them please? thank you
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Car loan advice needed
Hello, this is my first ever post. Wondered if someone could give me a bit of advice as I’m thinking myself round in circles at the moment. My car is getting on a bit and has reached the point where everything is starting to fail. I’ve spent far too much on it over the last 9 months and am now at the point where I’m…
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Loan for car- mortgage impacts
Hello I am a young professional hoping to borrow around 10K to buy a car. I was planning on getting a loan rather than finance through a dealer but was wondering what the impact would be on mortgage applications. I would hope to be in a position to buy a house in the next 5 years. Has anyone got any advice of their…
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Loan help
Hello this is my first post here, Looking to get out of a bit of trouble financially - I am looking to "consolidate" my store credit and credit cards by taking out a loan to cover them and hopefully reduce the monthly payments. Let me state, my credit rating is very bad. I was wondering if anybody has any advice or…
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Quick, easy and hassle free loans - where do i go?
Hi I need to get a loan for £1000 that I can repay within 3 months. It's for a deposit for a cheaper flat that will save me £100 per month and it's perfect. Any ideas on somewhere flexible, cheap and reliable please?
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Parent Loan advice
Hi, My mum is looking into getting a loan from her bank to consolidate all my loans and then I pay her back a set amount each month. However my brother has just put his name down on a flat to move out of the family home on 1st December. My mum and dad are the guarentee's on it because the agency were not happy with the…
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Sold two loans when i wanted one
Hi there people , Im looking at sorting my PPi claims out for some old loans i was sold back in 2002, everything seems to be pretty straight forward regards being misold the insurance on the pretence i could not have a loan with out. But my real query is were any 'rules' broken when i asked for a loan of £17k but was told…
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I don't know who has my debt
Hi, Can anyone help? I took out a loan with Logbook Loans in December 2011. Earlier this year I had a letter saying that they had gone into administration and Nine Regions had took over my loan. Every couple of months I have then had letters first saying that Hermes Property Service had my loan and then Agent Field Force.…
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Direct debits for loans - to ANY bank account?
I have a current account with Northern/Danske Bank for my salary, debit cards, etc. I also have a loan with Ulster Bank. Thing is, Ulster Bank insist on collecting payments the weirdest of ways: Dankse Bank>Standing Order for £130/m to>Ulster Bank current account>Direct Debit at £130/m to>Ulster Bank loan account. This is…
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Arrow global letter
Ok so I received a letter from them with some sort of bill I guess of over £6,000. I honestly have no debt from the UK and have no idea where this came from.. In fact I live in USA now and have since 2007. They sent the letter to my American address which I don't even know how they would have?! The letter has the company…
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3 loans with same bank
Hi, I currently have 3 loans with the same bank which were all taken out within a few months of each other. I've been told that the bank should have increased the loan rather than just add a new one and that because I've got 3 individual loans that I'm paying more interest than I should be. Does the bank have to role them…
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loan advice
Hi, I have a house bought 2008 for 189,950 likely worth 165,000 I think. My mortgage is 104,000 and I have around 10,000 of credit cards to pay and want to get a loan to pay this and borrow an additional 10,000 for a car which is essential for work and an operation. So 20,000 in total. I earn 23000 a year. Is increasing my…
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Unable to obtain credit?
We have a fair credit rating and only one credit card, no other form of debt. We were on an IVA through the CCCS which we settled just under three years ago. The only adverse thing I can see on our credit reports is a loan which we were paying through the IVA and which was settled at a lower amount [which the bank offered,…
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MSE News: Lowest-ever loan from Sainsbury's fires up price war
"The supermarket's banking arm has taken top spot in the loan charts with lowest rate we've ever seen..." Read the full story: Lowest-ever loan from Sainsbury's fires up price war
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Terminology for lower loan settlement
Hi there, I currently have a loan which runs until August 2014 and I am paying £271.70 per month. So if I kept paying up until the last payment it will amount to just under 6k. Am guessing from the last time I asked for a resettlement figure that if I asked for one now it may be around 5k. I have accumulated a wee bit of…
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SGE Loans
Has anyone else had problems with this company? The have taken 2 payments over the past few months from my husbands account without his consent or signature? 1 x £79.99 and 1 x £89.99 There website says they are a a loan broker? My husband is newly settled in this country eventhough I am born and bred in UK and he is not…
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How can I remove Default off my credit profile?
Hi all, I recently checked my credit profile and noticed that RCI Finance have put a default on me. So here's the story, I bought a car a couple of years ago and paid through finance. I have kept up with every single payment. The last payment was due to come out in June 2012 but it never did. By some time in July I…
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Family has owed me £1000s for almost 10 years - please help
A close family member has owed me a lot of money for a lot of years - apologies for the long post, but you need to know the whole story. In 2004 my daughter bought me out of the house formerly owned by my daughter and I. To ease her finances, as she had married in 2006 and her new husband was trying to start up his own…
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Help link finance
Hi, we have been considering changing the boiler,and looked at the help link ad whereby you pay £17 a month for the boiler & cover for 10 years. Now, my credit rating is SHOT, I have a CCJ. my hubby is financially linked to me only by the mortgage, and he has a vanquis Visa card which has just had its limit increased again…
