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Early settlement rebate
I took out a loan with my bank just over 4 months ago and made payments on time every month etc. I got an early settlement figure from my bank stating that if I repaid the £2794.58 owing I would get a loan rebate of just over £1000 does this in term mean I would get that money back.? Regardless I have paid off the final…
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'Closing' Loan
Hi, I have £5 outstanding on a Halifax Loan (7.8% APR) - as I have cleared over £3,000 on it using the additional payment option this week. I left £5 as I know they normally charge to close a loan early. So now I don't know whether to try and just pay the remaining £5 and clear the loan and see what happens, or pay the £15…
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When lender changes it's business model as you go to pay in full
Absolutely gutted to be in this position while I hope an error? Selected an amount to pay in full via Sunny online, paying my loan early I believed I was eligible for a reduction as it showed having the loan less 3 weeks I paid capital plus interest at 27% of the APR covering the time to the authorisation of payment On…
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Natwest Loan
Hi Everyone, I was wondering if anybody had experience or had dealt with Natwest when it came to personal loans. I used moneysupermarket to see which loans I had a high chance of being approved for as I would say I have poor credit due to missing payments etc in the past, however to my surprise it came out that Natwest had…
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Car Finance Con!
I purchased a car on a finance agreement in 2012! The total cost of the car brand new was £11,647. I paid an initial deposit of £2,300 at point of purchase , leaving £9,347 left to pay over a 5 year finance agreement. To my understanding , the total amount re-payable including interest was £11,760. I have recently cashed…
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Cabot Financial & Mortimer Clarke Solicitors
I wonder if someone can advise me please . I received a letter last week from Mortimer Clarke Solicitors concerning an old Barclays debt , which Barclays sold to Cabot Financial . Barclays registered a default on me back in Oct 2008 , which in turn Cabot took over. I have had no communication with Barclays or Cabot since .…
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MSE News: Northern Rock told to refund 40,000 over incorrect loan documents
"More than 40,000 Northern Rock borrowers are set to receive compensation following a High Court ruling today..." Read the full story: Northern Rock told to refund 40,000 over incorrect loan documents Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read…
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HSBC will not give loan at advertised rate
hi, i am new here, bit unsure how it all works,:( my problem is with HSBC, who after over 12yrs of banking with them and absolutely NO problems,no late payment etc, they cannot let me consolidate my existing loan, with a new one at the advertised 3.7% interest, they keep offering me at 17% plus. apparently the higher offer…
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Lendable.co.uk anyone heard of?
Just seen lendable.co.uk appear in some loan comparisons websites however i think they started up only in October. Tried doing a bit of reasearch but cannot find anything about lendable. Anyone had any dealings good or bad Regards
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Equity release question
My parents took out an equity release on their home some years ago and in September moved house but Aviva (who the equity is released by) put a few spanners in the works and I was just wondering if it seemed fair practise! Basically, my parents wanted to be closer to family so they had their bungalow valued and found…
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Sainsbury's Loan False Interest Rate Claims
I am in the process of taking out a loan to part cover the costs of a new vehicle. Being a regular shopper at Saino's I thought I would give them a try for a loan. The advertised rate of 3.9% went completely out of the window at the end of the application, instead I was being offered 10.9%. I am of upstanding credit…
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extension Loan
Looking to build a single storey rear extension and looks like it will be 20k. I am looking to borrow the money over 2 years and think a secure loan might be the best way forward? we have 25% equity in the house. House is worth 200k. I earn 40k and the wife earns 16k. we have no outstanding debt.
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NRAM refunding again on loans under £25000
Hi, I received a letter yesterday from NRAM stating that although they had refunded me previously on my unsecured loan under £25000 they are now sending me a further refund because they have now discovered that the mistakes actually went back further than first thought. There is a link on there website about this so I was…
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If you needed an urgent short term loan, how would you do it?
Hey guys, here is the story. A friend of mine works in accounting and deals with a lot of small time businesses who find interesting loop holes to pay less tax. Sometimes they dump stock at no profit and even at loss in order to utilise certain loop holes which ends up saving them money. Im in a position where I can buy…
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Car Finance - Odd?
We just purchased a nearly new car from our local ford dealership. We agreed a pcp deal, payments etc. Went to pick up the car today and the salesman (owner of garage) told us that ford wouldn't give us all the finance at the lower rate as quoted so what he has done is financed so much with ford at the agreed rate and then…
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Warning Loan Scam
I applied for a loan this morning and wasn't surprised to receive a call to discuss my requirements As I have a poor credit history and this morning discovering that I was not on the electoral roll, voted for 14 years from same place, I was not phased by the company asking for an admin fee upfront. I re checked their name…
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Shafted on guarantor loan
Hi I appreciate that this story will have been heard a million times before and we should have known better, but: My partner guaranteed 2 loans for her family. She was put under unbelievable emotional pressure and stress to do this "you are our only hope, we are finished without your help" and so on. Unsurprisingly the…
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I am debt free nearly !! but hubby has secretly run up debts! help
Hi All, After several years of debt myself and taking advise from moneysaving etc which saved my life .I cut down on everything , and I mean everything. I now have manageable debt (£23,000 down to £4,00)and credit rating good (although this time I ignore the bank when they say I can have a £10,00 loan !) Anyway I have now…
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Reasonable fees/interest on a black horse loan
Hi everyone new poster on here but followed for years. I'm after a bit of advice on a unsecured loan of £15000 we took out in 2008 with the B/Horse. Basically we got into a mess after separating 2 yrs into the loan, the monthly installments were £363 we took some payment holidays then made reduced payments so the interest…
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carloans4u advice
hi guys im looking to get a new work van and my credit history isnt fantastic as i have a few credit card debts and a few defaults on my history and im self employed so i know i wont get the best deal however im in a situation where i need a bigger van for my work as my little van just isnt big enough anymore plus im…
