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Personal flexible loan options
I am looking for a personal loan of about £7,500, but want the option for the following: 1) A bank or finance company that can give me a "soft quote" before application so i have the opportunity to know their rates without affecting my credit file. 2) ability to overpay on monthly payments 3) Able to redeem the loan before…
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Paul simon administration - Loan
Hi all Not sure if this is the right section, but we have had a call today from the branch saying they have gone into administration. We have paid about £250 (unfortunately by debit card) deposit We have £900 balance on finance with the finance company paul simon set you up with. We have about 10days left to be able to…
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Rejected for a Loan that was never applied for
my 73 year old mum received a letter saying she had been rejected for a tesco loan but the problem is, she's never applied for one. she's obviously extremely worried about this and has asked me to look in to it but, as you can imagine, the "wall" of data protection is getting me absolutely nowhere. firstly i'm trying to…
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Car Finance Options
Hello I am looking for some advice on financing a new car. Looking at cars in the £20-25k bracket (nearly new not new to avoid VAT) I have a car to trade in that is likely to part ex for a grand or two over the outstanding finance. I see I have a few options: - Pay cash for the car from savings and not have to pay interest…
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House Extension Finance
Firstly, i hope this threads in the right part of the forum..if not please move. We will be extending our home over the Summer to provide additional family living space. Planning permission granted and we're at the ready to build phase. Its quite a big job at around 50k. We have 35k cash to put straight into the project,…
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I have B2L but need to raise finance for new house for me
Hiya, Just throwing this out there in case anyone has a solution (I've wracked my brains but come up with nothing so far). I have a house in Scotland which I used to live in - mortgaged LTV 75%. Equity about 27k. I now let this out (with the consent of my lender) and rent a house in Wales. I'd like to buy in Wales but my…
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Barclays changes O/D fees - massive hikes
Anyone with a Barclays account needs to look out for the changes that are coming on 16th June. Whilst some of it is good news for those who tip over into an overdraft for a day or up to £15 due to cash flow issues, for anyone running an overdraft above £15, be very aware you're about to be shafted. O/D up to £1,000 you…
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Data Protection Act
Hi, I purchased an iPad for my partner using a finance scheme from Barclays. After losing my job I could not afford repayments so the direct debit was cancelled by my bank. The loan was taken out against my parents address as that is where I was living at the time of application but I since moved and so did not receive any…
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Loan/Mortgage with NRAM
I picked up on a thread elsewhere in relation to NRAM not complying with CCA and providing refunds of interest. I didn't receive a letter but as I wasn't aware of the problem in the first place I wasn't expecting one. We took out our mortgage in March 2005 which was made up of a loan of £25k and the balance as a secured…
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Are you liable to pay the interest on a car loan when someone dies??
Hi all My father in law kindly took out a car loan for my husband in 2012. The amount included a short fall of £2000 (total finance £22,000) for the remaining payments of his other car. At the time of discussions with the car finance company he clearly stated that he had terminal cancer and what would happen in the event…
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Loan Broker Refund Help
Hi, Hoping for some advice please. My son applied with Payday Express for a loan back in Oct 13 which he received. He went away on active tour in Nov 13. His bank statements are posted to my home address. We received his quarterly statement in Feb 14. On his request I opened the statement and to my shock he had a total of…
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business loan illegal
In 2003 I set up a ltd company, by 2005 it was doing quite well so got a business loan in order to rent premises. Business then took a downturn and we had to give up the premises. by 2007 the business owed the bank £30,000 on loan and £30000 on overdraft, both secured. these were giving issues regarding corporation tax on…
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Interest only* family loan - ideas on what to do on death?
Answered, thank you.
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Heeeellllp
In need of help. have 24 hours to pay backlog of rent to company I work for (2k) didn't realise the 2 missed payments due to partner leaving and then child having operation losing over weeks pay had to be paid by 31st March. Poor credit and out of ideas ?
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credit agreement set up with wrong value.
Recently I had solar installed on my property, I was quoted £4650 for a 12 panel system, on the day of installation the fitters determined only 6 panels could be installed, this was relayed to their office and after a short wait their CEO called me and quoted me £3000 for a smaller system, I agreed on this and the…
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Car finance troubles - bank haven't paid garage now garage is threatening me
Hi, I'm currently having big problems with my car finance and would like someone to explain the legalities of this. I financed a car on Saturday, with my dad as a guarantor (I'm only 19), they asked us to bring proof of id in, which we did and had photocopied and signed off by a member of staff, and everything was good and…
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Car finance issues
Hey all :) Just wondering if anyone has any advice with an issue we seem to have? A year ago we were awarded car finance on a nice Vauxhall Astra (don't laugh). The total finance is a little expensive, but since neither my girlfriend or I have good credit, we bit the bullet and agreed to it. Now, as is common these days,…
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is it a sensible option- brighthouse
Hi all, apologies if in the wrong forum, thought this was most fitting. We've had a small disaster and need to purchase a large appliance for home. I've looked around and applied unsuccessfully in two major retailers for some credit, bit have been accepted for bright house. I understand bh is very over priced and that i…
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Payday loan loophole BEWARE! please read this
Im a single dad on benefits at the moment, my daughter and myself live in the middle of nowhere so we need the internet to search and apply for jobs and the car (junk bucket) to get to the shops and hopefully to my next job, On benefits we have to sacrifice a lot to keep these so needless to say the house is pretty bare…
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Student Loans - closing statement / written confirmation
Hi, In March I finally paid off the remainder of my student loans. These were the old style mortgage loans. One was with Thesis Servicing and the other two with Erudio. I got a settlement figure for each and paid them off in full over the phone by card and got authorisation codes. The payments have gone through. Do you get…
