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Understanding APR 6.95%
I got a Loan with following criteria: Loan Amount Cash loan of £8000.00 for Personal Expenditure Monthly Repayments 60 payments of £157.35 Total Amount Payable £9441.00 (this includes Total Charge for Credit (Interest) of £1441.00) APR 6.9% Length of Loan Term 60 months starting from date of draw down Annual Rate of…
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'24.7 Moneybox' Scam
I received a letter today supposedly from this company stating "We tried to collect £240.48 from your debit card as per the terms of your agreement with us. Collection has failed, and as a result of this failure, fees and charges are now being added to your balance". On it went with instructions on how to pay/contact them.…
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clear-account.com
Just had an email from these and had a look. They actually want your online banking details!:eek: Surely this is either a joke,or illegal. Anyone had the pleasure?
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Payday UK Query
Hi, I took out a loan with Payday UK towards the end of last month and was due to repay it the end of this month. I phoned up today and said I'd like to repay early, they said OK and told me the cost to repay.. I was surprised to hear it was the same amount that I would have to repay at the end of the month, even though…
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Payday loan took money not owed
Can anyone please advise me on the following. My husband had a couple of outstanding payday loans and back in June this year following an article he saw on MSE he asked them all to send him an update of what he owed, stop the interest and give him a figure they would settle for we then took a bank loan in my name and paid…
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NYCU Loan
Hi All can anyone advise the liability involved on loans with the failed North Yorkshire Credit Union personally i cant see how the loan should be repaid as it was taken with them and they are insolvent? can anyone advise of the legal status of this? Thanks
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Can I get a loan using my e-bond savings account?
Hi I have a fixed-rate savings account with Barclays. I have £15,000 in the account but can't take it out till next December when it reaches maturity. However I am looking to move abroad to New Zealand at the moment and have to have enough money to support myself. I don't have a job at the moment though and am not a…
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PayDay Pig - Unprofessional lol...
Having been spammed to high heaven by these fools I decided to look on their site to see if there was an unsubscribe button (not that I ever subscribed to their junk in the first place). Of course, there wasn't, and nor were there any contact details whatsoever that I could use to have a rant at them. However, what i did…
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Repay Wonga with credit card?
Evening. I am in dire need of some advice. Recently faced up to the fact I have planted myself firmly in the !!!! with the nasty cycle of Wonga that I have trapped myself in. Basically I have to take a loan out every month to replace my depleted wages from paying back the previous months loan. Something I'm sure the more…
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Starting a new job need a loan for a deposit on accommodation
Hello I have just landed a great new job and I start next Monday. Unfortunately it's a considerable distance from my current place of residence, so I will need to relocate in order to commute, I'm 22 and currently living with parents and have no ties, so this is not a problem. What is a problem is getting the money…
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MSE News: Government confirms payday loan charges cap
A Government amendment to the Financial Services Bill confirms the FCA will have the power to cap payday loan costs... Read the full story: Government confirms payday loan charges cap
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Someone used my name and adress for a wonga loan!
Hi I new to the forums so hello! Recently i received two letters from wonga stating that i owed them 2 repayments. One for 200 and the other for 500. Just to be clear i have NEVER used or even visited the wonga webpage or called them or anything. I called them straight away and the lady on the phone assured me that no…
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Business loan advice wanted
Ok so here is my situation. I am a little over a week away from being self employed through a scheme with the job center called "steps to work". This is a 26 week programme during which I still keep my usual benefits and also work as much as I want to build up a successful business. During this Time all money made by the…
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MSE News: 'Four million tempted' by payday loans, survey says
"Some 8% of people surveyed by R3 said the cost of the festive season is driving them towards considering a payday loan..." Read the full story: 'Four million tempted' by payday loans, survey says
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Car Financing - Qoutation/Soft Searches
I'm looking at getting a new Ford Ranger pick up and after looking at a fair few differing finance options I've not yet seen anyone who does a quotation/soft search to give you a rough idea of your eligibility for such finance. Can anyone point me in the right direction? I've looked at personal loans but they are an…
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Guarantor Debt
Hi, around 3 years ago I signed a directors' guarantee for a limited company loan with my business partner at the time. Approximately a year after this the business stopped trading and me and my business partner went our separate ways. We verbally agreed that he would keep all the assets, clients (and the debt) and i would…
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joint loans liability
my ex and i took a joint loan with the co-op bank in 2003. he is still paying it off, while i have had no contact or made any payments to the bank at all for well over 6yrs. is the bank statute barred from chasing me for the full amount if my ex is repaying? and if he does default in the future? he has now been successful…
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Equidebt Limited
Hi everyone, hope someone can assist me please. There may have been previous posts on this, but I am new to this forum and would appreciate any help you can give. I have received a letter from Equidebt acting on behalf of Aktiv Kapital UK Limited, addressed to my sister but to my address, which I am not sure how they have…
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Stating income on a loan application + other queries
Hello, I want to apply for a 14k loan for a number of things, to get a car (7k ish), put some money towards our wedding (2k ish) and pay off 5k of credit card (which are on 0% rates) I have a few things I’ve been mulling over. I earn 28k, but it will be the combined income of me and my partner who are paying it off (she…
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settlement figure can not work out
Hi my son has a loan for £4.000. Payments £125 per month for 48 months he took out in April and first payment due May 2012 he has paid 7 payment of £875 up until November 2012. He has a settlement figure of 5.208.71 less rebate 1.420.64 but still owns 3.787.87 ..IS THIS RIGHT ? PLEASE HELP THANKS
