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Quick Quid woes
Hi all I have a flexi loan with Quick Quid that I took out in October of last year and I am in the process of paying this off. My pay date has recently changed and so I emailed support on Monday with a copy of my most recent payslip and a note explaining that my repayment date (currently 17 April) needs to be amended to…
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Loan Early Settlement figure - Is it right?
Hi all, My husband took out a loan for £12k over 7 years back in 2009. The interest is around 19%. We are soon to be in a fortunate position in that we will be able to pay off the loan early. He has checked his Noddle account and the statements. On both of these, the starting balance was £22,113. Is this called…
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First Plus help
Myself and my now ex took out a loan with first plus of 60k back in 2006. Since then we have parted ways and i stayed in the house for kids benefit really. I contacted both mortage company and first plus for help. My mortage company was very helpful but first plus was NOT. I carried on making all payments best i could till…
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loan/car finance but very bad credit rating
Basically I need a new car as mine is slowly dying on me and I drive 70 miles a day. My credit rating is 'Very Poor' around 270. However I cannot afford to buy a car outright. Is there any companies that offer car loans but with not HUGE apr's Would having a guarantor be of any use to me? TIA
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Wonga advert banned by ASA
http://www.bbc.co.uk/news/uk-26950172 I wonder how long before Martin & his team will be whooping with joy? :cool:
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Are debt settlement letters legally binding?
I've been making monthly payments on a large debt (now down to £13'000) for years and suddenly out of the blue the debt collectors have written thanking me for keeping up regular payments and offered me a settlement figure of £9000 to clear the debt once and for all. I can't afford £9000 however it has certainly made me…
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High debt. Sell garden, get mortgage? Find advice? Help needed!!!!
Hi, new poster here so please be kind!!!! This is my current situation: I have a high level of personal debt around £ 42000. All credit cards and overdrafts. I don't have a good credit history. No CCJ's but have been late on some credit card payments but I am not in arrears. I am servicing the debt. Just. I own my own…
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Fixed loan with 'Creation' via Car Craft
Hi there, I'm wondering if anybody can give me some advice. I'm writing on behalf of my auntie who has recently been done over by her ex partner. It transpires that he has a reputation of travelling all over the country, manipulating vulnerable women, getting with women for a few years, getting each one lots of debt and…
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Further advance on mortgage fees
Morning! I'm currently going through paperwork as I was told I could claim redemption fees on my previous mortgages. However I've come across a further advance and was charges £595 for 'application, assessment and completion costs' can I claim some of this back to? Any advice appreciated! Many thanks
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Private/personal investment loan
Hi all, First post so be gentle :-) With interest rates so poor for savers I was was wondering if a private individual can lend money in return for an agreed interest rate. For example say I needed to raise 12k now and I knew I was getting a provable guaranteed larger sum of money Say 16k in 1 year to repay it in full plus…
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paying loans late
I've paid my loan late each month since oct last year, im in over a grand in arrears .....this month ive paid half, and told them i shall call next month to pay the rest ...its a secured loan ......the man on the phone said if this happens once more, they will start proceedings ....what does this mean ...I said, so you…
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Car allowance but bad credit
Hi, I currently have a fully financed company car. I have been offered a new job, but have instead been offered a car allowance. I have had a company car for over 10 years so havent had to look at car finance or leasing. My issue is that I have a very poor credit rating and will not be able to get credit through the usual…
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Loan Calculator
Hi All New to this thread, hope someone can help. Does anyone know of a link, or a spreadsheet that I can work out my balance of my wife's personal loan. I have the balance from last october, the interest rate etc, I would just like a amortization spreadsheet like my mortgage, so I can keep up to date with how much we owe.…
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PGCE Option - Student Loans
Hi folks, I'm quite aware that there are a large number of people on here who have had the 'letter' from Erudio. Some of you in the past may have been as stupid as I was, and decided that in later life teaching was the way to go and completed a PGCE course post 1998. One of the options from that was the PGCE Option, which…
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CCM (Capitalcm.co.uk) Contact Details
Hi, I am trying to reach CCM (Capitalcm.co.uk) in order to settle an amount, however all the contact details I have for them do not work any more. Phonenumbers just land at a recording and emails are returned as undeliverable. Does anyone have any uptodate contact details for this organisation? TIA Gavin
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Credit Union Loan
Hi all. I had £30k of debt that I organised arrangements on about 6 years ago, they're now at about £18k. So, they're still "active" but they don't show on my credit file. My Experian file shows three credit cards (small balances and limits) green all the way, phone contracts green, and never a missed mortgage payment. It…
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ford pcp or tesco unsecured loan?
Hi everyone, I would be so grateful of any thoughts on the following scenario. I bought a ford car on PCP 2 weeks ago but am now wondering whether to pay it all off with a Tesco loan I have been offered in principle. The PCP is £288.76 a month for 3 years with a balloon final payment of £6,232.63 at 7.1% APR total to pay…
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nationwide loan mess up!!! help.....
Hey all, i made a HUUUUGGGE mistake on tuesday 1st April! i went to my local bank (nationwide) where i have my bank account, my credit card and my loan.... the loan was taken out some time ago at a really good rate - 14% apr, i was happy with this rate and i only had 13months left to pay it off. However recently I came…
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Nationwide overdraft
Nationwide reduced my overdraft from 3000 to 1500 and asked me to pay it asap.I agreed to pay every month 150 pounds ,and doing so since Jan 2013.Recently i checked my credit report and to my surprise i found that Arrangement of pay on nov and dec 2013.Had a chat with collection deapartment and they was told since october…
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Borrowing from parents
I don't know if this is the right thread. In June 2011 I bought a car for £10000. I px my car for £2500 and my mum lent me the other £7500. For one reason or another my mum did not want her husband to know she had lent me the money. Only my husband, myself and my mum knew. Everyone else thought we had got a loan. Because…