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PCP finance Calculator Spreadsheet - Comments opinions
Guys, Having recently been looking for a new car for Mrs RDG I found it frustrating that I couldn't quickly calculate the cost of PCP finance, ie the interest paid over a year etc. So Ive built a spreadsheet on Google Docs which I think works but Id like some opinions or people to run it against real quotes. Heres the link…
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Settlement amount on a 9k loan
Hi so about 4-5 years ago I took out with Barclays a £10k loan over 5years repaying at £210 pm. I became unemployed and spoke to Barclays who combined my overdraft and loan into a resolve loan, repaying what totalled £11k at £108 pm with I think little to no interest. I soon got a job, then a better job etc etc I informed…
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Interest REFUND on M&S Loan
I thought I would share this with everyone in case this applies to you. I currently have a Marks and Spencer loan of £15,000 taken out in March 2011 and is almost paid off. Today I received a letter from M&S apologising to me because at the start of the loan I should have been informed that I was in fact allowed to pay any…
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Payday Loan and interest
Hi, I took out a £450 loan with CFO. Due to late charges/interest this amounted to £1100 (i know, stupid). I have paid £650 back but theres still £500 odd left. I was wondering, with the new payday rules kicking in in January-15 would i have any recourse in terms of a maximum x2 the loan value, or is it likely that this…
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Private loan with LPA
I have a LPA for a relative. Am I allowed to make a private loan from their a/c? What reasons against this please?
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Been paid cash but need a loan, any ideas?
Hi all, A friend of mine is after a bit of advice, any thoughts much appreciated. She has been working for the past 5 years or so as a personal care assistant, being paid in cash (all above board, still pays NI etc). She's 30 and has never been unemployed. She's moving to a new job soon which is further away, which means…
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Car Finance
Does anyone know what repercussions there would be if a finance application was declined after the car was signed for? I have been told by a certain car dealership that a car I was looking at had arrived there, and if I wanted the car desperately I could drive it away today. They were telling me that what they would do is…
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5k loan with a dro which was discharged 29/9/12
Chances of acceptance for the above ?
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Swift advances loan pre 2007
Wondered if any one could help?!! Reclaiming ppi on a secured loan pre-2007 but how do you reclaim excessive charges and interest?no governing body seems interested?loan was 5000 repaid nearly 12,000 grand!fob seems powerless pre 2007?:(
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Advantage Finance - Advice Needed
Hi chaps, first post here, I am looking for a little advice, bear with me, its a bit long winded this one, and, I am sure some people will have come across this gem of a company. I know what they have done, my issue is trying to resolve it. I have had 2 accountants look over the figures as well, to double check them, also…
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Bit of a pickle
Hi, Can someone please help or advise... (its a bit complicated) Me and my ex wife bought a house back in 2007 (just before the market crashed) we were desperate to get on the ladder but didnt have any savings for the deposit so we took out a 115% mortgage (Brilliant idea at the time!!) We have now seperated and sold the…
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Getting a loan with fair credit
I have recently, changed jobs and need a loan of around £1000 to cover rent phone bill and overdraft etc. I checked my credit rating and it is fair as I have applied for a few loans with no success. I know the whole thing about not having good credit them I won't get a loan but wondered if anyone knew of anywhere that will…
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goodwill gesture for Furniture on Interest free finance
HI Folks Hope someone can help on this one... I've had furniture replaced from a large supplier, and their customer service ( or lack of it ) was an absolute nightmare from start to finish. They've agreed to a £100 gesture of goodwill, to apologise & compensate me for my time off work, and all the hassle they've caused…
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Guarantor problems
I became guarantor for a friend and there have been occasions where they haven't paid and I have had to. This money has been repaid to me. However I am now in a worrying situation.... Two payments have been missed and the money not repaid to me. First of all there were lots of false promises via texts that it would be…
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Perfect homes rip off
Hi I started an agreement with perfect homes 17 Sep 2013 for a Samsung mobile. now my agreement states total amount payable £657.60 over 80weeks. today I receive an annual statement from them through the post which says opening balance £1,012.80 and remaining balance £290.90 I've worked it out and seems I've paid so far…
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personal loan; should we apply
Hi there, My husband and I would like to take out a personal loan of £15,000. Iwondered if it is best to do it in joint names or separately or should my husband apply on his own. I already have aloan outstanding of around £1,000 (which will be paid off in August). We have ajoint mortgage, but separate current accounts;…
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Cash genie Loans
Hi I have a repayment arrangement with the above company, I have one payment left of £37.50 to finish my agreement however when I paid my last payment to them last month I noticed they are no longer lending so I am assuming they may be being closed down for whatever reason cashgenieloans dot co dot uk could you please…
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MSE News: Payday loan broker crackdown revealed
A crackdown on unexpected fees charged by payday loan middlemen has been unveiled by the Financial Conduct Authority ... Read the full story: Payday loan broker crackdown revealed 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 our New to Forum? Intro…
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"New rules will protect consumers from harmful fee-charging credit broking practices"
http://www.fca.org.uk/news/new-rules-will-protect-consumers-from-harmful-fee-charging-credit-broking-practices
