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Loans

Archives for December 2012

wrong info on credit agreement
hiya can someone let me know if this is enforacable, i understand i will still need to pay but if it went to court would it be enforceable? the total amount payable on my agreement is a different amount to what would be paid at the the with all monthly payments, the total amount payable is 9951.68 (it says this on…
Taking a Loan
I have been declined from Sainburys bank, I have an current account with halifax for a few months and have had an easy cash account with halifax for about a year and a half. Every month on average a thousand has gone through my account. Recently started a job in November 2012 to fund a business idea I want to pursue in…
Money paid into my account by mistake
To explain this further: Earlier this month I had approx £500 paid into my bankaccount by a pay day loan company of all people. Now I have heard of thesecompanies and the extortionate interest rates they charge and immediatelylooked up the company and gave them a call. They insisted the money had beenpaid into the right…
Has someone applied for a loan in my name?
Firstly, hi all! I created an account to ask this question because I'm kind of concerned at this point. I've just received a phonecall from a company called 'back on track' informing me that I have been declined for a loan. Now, I've never heard to this company nor have a applied for any loans or finance. The guy insisted…
1st credit and NRAM
Hi I defaulted atwo years ago on an NRAM loan and it was handed over to 1st credit I arranged a payment plan and have stuck to it Earlier this year they agreed a settlement figure (partial) and I have been paying a large amount each month, I have 6 weeks left to run on it and all of a sudden I have had a letter stating…
how to work out interest on paying off loans early
Hi Got a 4 year loan (7.4%) for £7000. If i want to pay the full balance in a year how do i calculate how much interest i have to pay??? Any help would be great!
Soft loan
My father has offered to lend me money so I can release my wife, from whom I am seperated, from our joint mortgage. What steps can I take to ensure that this is not regarded as a gift or soft loan at some stage in the future if we were to divorce? Is it posible to swear an affidavit now or get some sort of form witnessed…
getting paid off loan reversed
just a query , i have paid off my loan and i think ive made a mistake and wish to reverse my decision and get my money back , so i'd like to get my original loan back and carry on with the payments.It was only £4,000 and i have messaged my bank with this request but alas no answer as yet. Can banks do this or have i lost…
declined for loan - tesco, sainsburys, halifax - what can i do ?
hello, i`ve got an account with experian - credit expert - with credit score of 857 which is fair - i am on the electorall vote, more than 4 years at this address and i`ve got a mobile phone on contract pay monthly (direct debit) which alaways was payed in time also a landline direct debit with internet from talk talk.i…
Paydaypig... Contact address?
Right, this is it, I remember a few months ago that a guy took a PPI claim firm to the small claims court for wasting his time and they paid up. Over the past month or so I am getting spam email from paydaypig, never been on their site before but have decided to email them to stop spamming me, but for a company charging…
Taking out personal loans for credit rating building
Official MoneySavingExpert.com insert For full info on your cheap personal loans, see the main website's Cheap Loans guide. Back to the original post... Ok, so I am aware that lenders use the records offered by all 3 companies to build a credit profile of you. However, as quite a young person at 18, you can imagine my…
Help needed
Hey, I need some advice...via this forum if possible on how I can consolidate or whatever the term is, several debts I have. Which forum would be the best place to post this in... Many thanks in advance.
Loan companies
Why is it that Priority Money Club have taken money out of my fiancee's account & he has no dealings with them?
Should I take out car loan or up mortgage?
Hi all,:cool: Need to borrow 10k to finance car! Current mortgage deal coming to an end - 28K for 180k house value. Should I take a separate car loan (5.5% over 60 months = £190 per month) or, add 10k onto existing mortgage - making it 38k over 5 years (fixed, no fee post office deal - 3.35%) maybe even decrease term of…
what to do for student loan
hi i am a high rate tax payer and daughter has got an offer to study medicine i am in position to pay about 10k per annum to fund her can i have some guidance as to what will be best for me to do for her get student loan or maintennance loan or both and repay early thanks in advance mods if this needs to be in other forum…
Tesco loan top up
I am coming to the end of my Tesco loan, which i have had for a number of years. 3 payments left. I am looking for a new loan and was considering a top up. If i ask for a top up do they carry our a new credit check. Has anybody applied for a top up loan, how easy is it?
Student Grants for Open University
Hi, could anyone inform me as to whether grants are available for students studying full time with the Open University? It doesnt appear to be covered on their website. I assume this is because the vast majority of OU students will be part time and therefore cannot apply for a grant anyway. Thanks.
how easy is it to repay a loan early
Hi All I have a loan with hsbc which i owe £2469 left over 7 months My wife and i will be looking to buy a house in the new year using a gift deposit from her parents. This gift amount should cover 20% deposit plus fees plus about 5k I know the loan will affect the mortgages i can obtain. Would i be able to repay the loan…
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MSE News: Tesco offers lowest loan rate on record
"The supermarket giant slashes its interest rate to just 5.2% APR, following on from new deals from its rivals..." Read the full story: Tesco offers lowest loan rate on record

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Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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