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Professional Studies Loan - Options?
Hi all, By way of background, I took out a professional studies loan with HSBC in 2009 just prior to taking the CPE and LPC (enabling me to become a trainee solicitor, complete a two year training contract with a firm and qualify). The loan was for £25,000 split over two years and the interest rate was 2.5% above base…
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Bank won't refund my unathorised transaction
Hi sorry guys this is a long one! Basically the other day I noticed I'd had 190 pounds taken out my bank without my permission I contacted my bank which is barclays and they told me that money had been taken by loan company's (loan brokers fee) such a smile finance and places I'd never heard of and because I have had a…
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Alphera want More than the settlement figure quoted
On 3rd January 2014, I requested a settlement figure from Alphera for the loan on my car as I was trading it in. The letter was dated 8.1.14 and said the total amount due to settle the agreement was £6930.24 and this was valid between 3.1.14 and 31.1.14 Arnold Clark paid this in full and I also made a monthly payment of…
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Secured Loans
I own a property, mortgage free, that I rent out. I want to continue to rent it out but I would like to raise around £50000 for personal use. The property is worth around £195,000. I'm retired but not drawing my pension yet and I own outright the house I live in. Any ideas ? Secured loans ? Take a mortgage ? Santander,…
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What is the point in debt consolidation loans?
Hey all, i am currently paying off a total of £8000 worth of credit card debt (yes,bad i know) against a £20,000 salary with an average debt repayment of £500 a month. Up until recently, all of this debt was interest free, however now about £6k of it is costing around £90 a month. Here is the trap. I can't get another card…
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Not sure what to do now!
Earlier this year I made this post forums.moneysavingexpert.com showthread.php?t=4862180&highlight= Sorry can't make it a link, I'm too new In brief my step daughter got herself into debt with payday loan companies. Things we did Chased the companies that changed a fee - Got some of it back. Wrote to the main companies she…
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Swap car HP for Personal Loan
Hi, I've just bought a brand new car on HP from a main dealer and only made a couple of payments but would now like to acquire a personal loan to pay off the car finance as a personal loan is much lower interest and hence the payments will be lower. My questions is this... If I contact the finance company for a figure to…
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Which Secured loan for bad credit.....
I have bad credit history and a CCJ thanks to my ex hubby. I have plenty of equity in my house but my mortgage lender won't let me have any funds to clear some of my debts that I myself have accrued with trying to keep up with things...grrrr.... I need to get rid of the damn credit cards cos the debt is not reducing and I…
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Nucleus Misc Accounts
Anyone know anything about this company - Full name: Nucleus Misc Accounts Bournemouth GB.
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Loan Company information
has anybody got information on a company called "Nucleus Misc Accounts Bournemouth GB"? This company has been used at a point of sale terminal to deduct sums from my account - Bank can't tell me who the company is. I suspect it may be something like a car loan since there are 6 deductions around £750 followed by 1…
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Help with a chq received from santander cards
Ive just received a letter from santander cards with a chq for £12, the letter says, Important notice about your dfs credit agreement We are writing to let you know that from the wording on the back on your statement confirming your early settlement rights was incorrect. We are sorry for any inconvenience this error may…
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paydayexpress.co.uk fraud
Hi everyone, Last week I found a payment from my savings account to paydayexpress.co.uk. I've never given the card details for that account to anyone, nor have I ever taken a payday loan, so I don't know how they managed to do that. In any case, I got the card cancelled and received a fraud refund from NatWest. I'm now…
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Consolidation, cards or ride it out?
I have just over 3k on a loan with 16 months left. I was going to continue this and then pay off my overdraft of 1450 but the bank are now going to charge daily for this service. Am I better to negotiate a new loan and enter a longer term? Or is it possible to move the debts onto one credit card and clear the lot off in…
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Loan to pay off loan
Hi I've got myself into a sticky problem I've all ready got a loan, £7000 left to pay on the but I've also got about £7000 on two credit cards? Should I get a loan to pay both off cut up credit card which I should of done in 1st place, which company best to go to or any other advice would be greatful. Am in full time…
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Help with car loan
Around two years ago me and my partner stupidly went for a new car at stoneacre. It was a huge mistake and regretted it as soon as we got home bt stoneacre would not accept the car back. So we have learned and had to deal with this very expensive mistake. The credit checked failed in my boyfriends name and with me earning…
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Release funds from my house
Hello I'm 84 (just) small mortgage equity is about 130K I need to release about 50K from my home I have a good income as I'm widower, so if I have to take a loan I can afford repayments I dont want to sell, as I'm going to rent my house out and live with my son in Asia. (I want to leave inheritance) and have an additional…
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Employer Development Contract - How legally binding is this?
Hi, I left my previous employer almost two years ago after finishing my accountancy exams because there were too few opportunities for progression within the company. Since then we have been exchanging letters to agree an amount they say I owe them (from an overinflated high of c.£14k, down to c.£6k that they have provided…
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Loan Overpayment do I get interest?
I had a loan with BOS- finished in 2009, but didn't cancel standing order, found out yesterday monthly payments have been made this whole time. BOS still trying to locate funds- can I caim interest? I know I should have cancelled standing order, but surely payments should have bounced back after loan account was closed?
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Any grounds to take legal action ?
Hello there I'm new to the site ,I was applying for a loan and although I was unsuccessful I was prompt to another site loandirect.co.uk to put my card details as thought I was accepted at their site ( Which I did ) and I then got redirected to their home page saying that I had to pay £69.75 for a one off membership fee,…
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Loan guarantee
Looking for some advice on the consumer credit act. We recently had a quote for solar panels and the rep stated that if we used a 15 year loan to purchase the panels we would get a 15 year guarantee (5 years more than their own 10 year guarantee) we do not need the loan to buy these but the extra 5 years would be useful he…
