-
Misleading default notices
Hi, I defaulted on a high st bank credit card in 2005 and asked a debt management co for assistance. Any future repayments were then made through the debt management co. The lender sent me a default notice and passed the debt to a collection agency to whom all future payments were made. In 2010, the same high st bank…
-
Direct debit changed without notice?
Hi all, I was hoping someone here could answer a question about a loan i have been paying off and the direct debits. I financed a car the The Funding Corporation some 5 years ago now and i'm pretty much coming to the end of the payments now, if not done so already. I have been paying it off the standard amour every month…
-
Loan Advice
Hi all, Im trying to set up a farm business from scratch. The farm in question is under a 10 year tenancy agreement and is owned by the Forestry Commission who want to give the farm to a young people wishing to start a career in agriculture. Whilst the farm itself is good to go - You still need money to buy livestock,…
-
Loan in arrears
Hi, I wonder if someone can help me? My Partner has got into arrears with his Yorkshire Bank loan. I have made an agreement to pay then £350 per month instead of £291.58 which is crippling us. In February the arrears stood at £991 and I paid the £350. when I rung up in March to pay last Friday, £350 was paid and I asked…
-
Multi Complaint Lloyds Loan
I've got a loan with lloyds tsb in 2004 and had a change of circumstances and had to enter into a credit agreement with them since 2004 due to illness. I sorted an agreement out with them through CCA and I was told that there would be no interest applied to the loan due to my financial circumstances, and I was to make a…
-
Payday express advice
Hello, So yesterday night I took out a payday loan with payday express for £130 due to be repaid to the total tune of just over £160. I no longer need the loan, I haven't touched the money and I did email them prior to them putting it into my account telling them I no longer required it. After I noticed they had…
-
What does PP mean on statement
Hi Can anyone tell me what PP means on a loan statement? I have received a final statement and next to every payment were the letters PP. Thanks
-
Mini Car Finance
Hello! I'm new here so please be gentle. I am about to apply for car finance and would like to hear others experiences of Mini car finance. The advertisied rate is an amazing 4.9% but I assume I won't qualify for this (does anyone?!) I obviously don't want to apply and be turned down as I could probably borrow the money…
-
My loan application saga and Nationwide's Soft Search
My partner and I had been thinking about having a small extension on the back of our house but because of the cost we would have to either wait a couple of years (to save up) or borrow the money to do the work now. As we had good credit history we thought taking a loan might be a good idea so we looked around a bit, read…
-
criteria for 17 month interest free credit card
I am considering applying for the above to pay for replacement windows which I need. I currently have 3 cards. One is in regular use (but paid off each month) and the others are empty spares. I took one of them out last August for 6 months interest free to pay off my new kitchen and paid no interest on it. I am wondering…
-
Career Development Loan
Hello, I would like to start a CIM course in September and it's around £1000 for the certificate, then about £1500 for the diploma. I don't have this in savings so I was looking at Career Development Loans, but I don't have a great credit rating. Do the lenders take this into account? Otherwise I am screwed! Any advice…
-
NRAM Together Mortgage + Loan - HELP!!
I took out a Together Mortgage with Northern Rock in April 2006 which consisted of a £113k mortgage and £16k loan. I sold my property in July 2010 at a loss which meant my mortgage payments reduced and I currently have an outstanding balance of around £10k. On discharging my mortgage, my unsecured loan interest rate…
-
Interest outstanding when ending early
Hi, Bit of advice on a loan my other half took out really, can't confirm with the Credit Union until tomorrow but thought I'd ask here. So, £5000 loan taken out with CU at 10.4% over 60 months so £105.99 p/m with a total interest of £1359.35 = £6359.35 total repayable. She's 20 months into the agreement and wants to end…
-
South warks credit union
Is anyone a member of south warks credit union? if so how do you find them? After a phone conversation they seem a bit vague and disorganised to me. Any onehave any expeience of them?
-
Loan help
Hi could anyone help with understanding APR/interest on loans. My agreement says the APR is 19% but then it also says rate of interest on the amount of credit is 8.85% per annum - I dont understand what this is? The amount of credit borrowed was £5358 over 5 years and the total amount payable is £8693.28. I got the loan…
-
Ratesetter - what to make of this???
I checked this months credit report from Noddle the other day, it was recommending me a 9/10 chance of a ratesetter loan. So I went onto their site to have a look, as there was no credit search involved I went for a quote. Amount - £5,000.00 Term - 36 Months APR - 8.6% Payment - £157.31 Total Amount - £5,664.48 Then to…
-
Ex Partners unsecured loan listed against joint mortgage
Hello, please can anyone offer me advice on my situation. I split with my partner for whom I have a joint mortgage agreement with. My ex has now left the country and has not paid towards the mortgage for over 2 years. He also has an unsecured loan in his sole name listed against the property for which he is now stopped…
-
Loan for a Housewife
Hi there, I was just wondering if anyone could help. I am currently 'mother of 2 babies/housewife' but have a good credit rating due to a loan, credit cards etc I've had since I was employed. I am looking for a loan to consolidate my debt and therefore reduce my monthly outgoing minimum payments. I have income from CB,…
-
Independent loan protection
Hi, I'm not sure if this is posted in the correct section but I'll give it a go! My wife has a car loan with nationwide building society. She did not take out insurance/ppi on the loan with nationwide but sorted it with a broker (griffen) I think. Unfortunately she is now on long term sick and has just gone to half pay,…
-
NatWest Loan
I'm not sure whether I've posted this in the right place, so please feel free to move if appropriate. I've banked with NatWest for over 20 years. I hold a current account with them (with an overdraft), a credit card, a loan, and my mortgage. I contacted them last year to request they consolidate my existing loan, credit…
