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Lost Finance Agreement
I would be really greatful for some advice on the below. I have been pulling what little hair I have left out! I have a car leased by my company and financed by a well known finance company. I phoned today to get a settlement figure. They could not trace my lease through either the agreement number or the car reg.…
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Sold secured loan gone missing Black horse
Hi I was contacted in july 2013 by marlin europe 11 to say they had bought my secured loan and i should contact them I did so but they told me a member of staff would call me back This call back never happened Im now in the position to settle this debt Ive called marlin to be told the loan has gone back to black horse and…
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Loan Advice needed for Home Improvement!
Hi All, I'm getting my kitchen replaced and have decided on an Ikea kitchen which costs around £1900. I also need to pay quite a bit in tiles, plastering, fitting etc etc. With Ikea, I can get an interest free loan to pay off the amount over 12 months or so. However I still need an extra c.£5k for the rest of the kitchen.…
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Altering Existing Bank Loan Terms
Hi All, New to the forum today. I have a question for you all. I recently took out a loan with Santander for 7.5k and eager to pay it off early chose the term over 2 years. I am now regretting this as I have other debts to pay off and wonder if a term can be changed without looking at my credit report as I know this would…
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Obtaining a loan with bad credit?
Hi, I am new to this forum and just had a couple of questions. Up until last year a had some problems financially and I was using Wonga etc, missing payments etc until I luckily got some help from family to clear my debts. I have since sorted myself out and am now in a new full time career and earning good money. I am…
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Help with a Hire Agreement regulated by Consumer Act 1974
HI I took out a Hire Agreement regulated by the consumer credit act 1974 with Admiral Leasing. The agreement was for a Sunbed worth approx. 48,000 gbp. I paid a deposit of £12,180 in April 2013 and have made 17 monthly payments of £1370.44 since then. My shop has ceased trading due to a business partner stealing. I have…
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Hitachi Finance Personal Loan - Would really appreciate any help!
Hi there, I bought a laptop with Overclockers.co.uk last year on a buy now pay later scheme with Hitachi finance. On the agreement it states that I needed to pay the balance in full before 01/10/2014 in order to avoid being charged interest, it also states that I will be sent a reminder email closer to the date. I received…
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buying a car with outstanding finance
Hi, sorry if this is in the wrong place. I am going to look at a car tomorrow in a garage in Leicester. I have given them a £250 card deposit and they sent me an email video presentation of the car. It is £10,000 and the garage have applied for finance for me for the car and I have been accepted from black horse. My…
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Loan for Mortgage Overpayment
Greetings, Just wanted to run a course of action past you all. I can overpay 10% of my outstanding balance at the beginning of a calendar year, I haven't been able to do that this year as I have been clearing an existing loan which is now paid in full. My only option to make this overpayment is to take out a loan.…
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Sainsburys Loan - Early settlement figure
Hi all. Im a new user to the forum so go easy. Been reading for a while and can see that there are some very knowledgeable people on here. I recently took a loan from Sainsburys to consolidate a few cards and make my life simpler. It was allways going to be short term as it was the end of a house build project. I have now…
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AA Personal Loan
Hi, I am desperately trying to get defaults (which do not exist, as I haven't missed payments) on a loan I had from the AA in 2009 removed from my credit file before applying for a mortgage. I have contacted them more times than I can remember since Feb 14, they have absolutely no idea what they are doing and I am no…
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MSE News: Guest comment: How banking bonuses have hit student loan repayments
Freelance higher education writer Andrew McGettigan explains how banking bonuses have affected the new deferment rate... Read the full story: Guest comment: How banking bonuses have hit student loan repayments Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all…
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Career Development Loan Repayment Question
Hello! My apologies if this post is quite long. My partner took out a career development loan for his postgraduate course last year. He has since finished the course and the interest and payments begin next month. He has (or will on pay day!) an income so it's time we started thinking about the repayment approach. He took…
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Is my revenue safe from lender?
I am self employed and at the moment don't have enough money to continue paying the instalments of my loan (£2000). Hopefully I'll be able to agree a new payment schedule with the creditor but in case it goes to court and debt collecting agencies etc., can they take payment from my bank account? I'm not too worried about…
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Secured borrowing - mortgage company will not allow
Hi I wonder if anyone can help. I am wanting to purchase a business and have been given the opportunity to pay for the business over a 10 year period by the vendors, understandably they would like some form of security. I have approached my mortgage lender, First Direct, who have advised they do not agree to second charges…
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debt collection agency can't find loan agreement.
Hi there my wife took out a loan about 12 years ago, since then this loan has been in the hands of a debt management plan but the original loan has been passed from debt collection agency to debt collection agency quite a few times, today my wife asked for the a copy of the contract to which no one can work out if it even…
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Sainsburys Loan
Has anyone recently had a loan "approved in principle" with Sainsburys? Just completed an application today. Not sure what this means and no timescale given on how long it will take to draw down the loan (if successful).
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Will my loan fall off my credit file?
Hi, I would really appreciate some help on this. I took out a loan around October 2008 from Santander (£25K). I made regular payments till April 2010 but sadly my career took a nose dive and I was unable to continue payments. I have not made payments since and I was unable to get any credit anywhere as a result so I never…
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car hire purchase
Hi, I test drove a used car yesterday at Arnold Clark, paid a deposit and took out a hire purchase agreement. I'm due to pick up the car next Saturday. Arnold Clark text today to confirm the finance had been approved. I've since talked to my patents and they have offered an interest free loan, which would save about £1000…
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Borrowing through Zopa
Evening all Does anyone have any experience with borrowing through Zopa? Thank yoy
