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Loan Charges
Just looking for a bit of advice. I missed 2 payments on a loan but they want to charge me £25 for every letter they've sent me. I've now paid the 2 missing payments, but don't think the charges are fair, can I challenge them?
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Settlement figure
Hi, I recently enquired with my loan provider about a settlement figure and was alarmed at the amount still being quoted for a loan that is due to end in around 18 months. The figure was still 50% of the loan taken out! The loan was originally with Ocean Finance but has since been passed on to Moorgate Loan Servicing and…
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Personal Car Loan after Death
Hi there, My stepfather recently passed away and had purchased a vehicle around a year ago. The vehicle was bought using a personal loan through the finance company...it was not on HP. The vehicle is worth around £5200 and has £5600 finance outstanding.....The main issue is that there is no money left in the estate to pay…
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0 APR personal loan
Hello, I'm looking for a personal loan up to 2k over 1year. I can setup a direct debit for repayments during this period (166/month). What would be the best option to apply for it, please? Many thanks in advance.
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Complaint / compensation
Hi all, I am looking for advice on how I can have an offer of £200 compensation from Santander increased. I have had a very frustrating complaint in relation to their handling of my account (loan taken when buying a car) which has been going on since August 2014. I have had the FOS involved who have accepted Santander have…
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Applying for a loan against an address you own but do not live at?
Hi I am asking a question on behalf of my husband regarding address details when applying for a loan. He moved into my rented house three years ago. He was added to the council tax but forgot to add himself onto the electrol role. Previously, he was living in a mortgaged property. When he moved in with me, the mortgage was…
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Welcome finance
hi, has anyone got any problems with welcome finance? I was paying them fine and they have 'sold' my loan on. I have written complaint letters but they are literally just ignoring me? help please if possible thank you
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MSE News: Payday lenders must be on comparison sites from next year
Online payday lenders will be forced to publish details of their products on at least one price comparison website ... Read the full story: Payday lenders must be on comparison sites from next year 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…
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secured business loan v mortgage?
Please can you help? My partner has a small business and a charge was placed on the house which is on the business premises by Lloyds bank in 1995 as security against a business loan. He no longer deals with Lloyds as his account was transferred to TSB when the banks split. At the time of the charge the property was not…
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Overpayment confusion
We have £5k and we want to make an overpayment on one of our debts but are a bit confused about which is the smartest option. Our debts are as follows and all have the option for overpayments: 1. BTL mortgage (thus interest only payments) of £110,000 at 4.24% 2. Mortgage for our family home of £113,000 at 3.95% 3. Personal…
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Sainsbury Loan
Hey guys ive recently applied for a Sainsbury loan and was accepted. They sent me the documents to sign and send back, but i was a little confused on one part. i was confused where i had to sign it was shown like this; Signature (s) X ...................... Customers(s) X..................... Date(s) of Signature…
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Very poor credit history, need a loan to consolidate
I'm 21, I'm in a mess with payday loans and maxed our credit cards. It's starting to depress me. I got into this mess before and ended up on a debt management plan which I cleared in 2013. But I slowly racked up more debts. In total I owe around £4500. I have an income of £1200 per month and could afford to pay around £200…
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Help! being charged by LoanMarketing?!
Here's the story.. Was a bit desperate a few months ago and applied for some payday loans. Stupidly I entered my card details on a website that looks for loans, I didn't think it charged me for it.. I keep getting charged £14.99 and this is the reference LOAN MARKETING CD 1532 Who is LOAN MARKETING? Anyone have any ideas…
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£40,000 secured loan against property... easy buy scheme
Firstly i wasnt sure wether to post this here or under mortgages so appologies if incorrect... Me and my partner purchased our first property in 2009, a New Build from Crest Nicholson... We did this through their easy buy scheme which mean the home builders lend you 25% of the property value as a secured loan against the…
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Balance Transfers on Personal Loans
Hello all, I took out a Personal Loan with my bank (Barclays) for £5000. The period was 5 years (60mths) Paying back roughly £7000 APR was ridiculous as I couldn't get approved by other lenders With total settlement, costs included at around £4800. I was considering loan switch to shift around £1700 of the debt. However it…
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Need a business loan but got an IVA.
My business has been operational for 2 years, but I now need a business loan to help the business grow. I have an IVA which finishes the beginning of 2016 and can not get a business loan from my own bank. Any ideas as to where I can go to get the loan? I need £5k
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£25k Loan - Overpayment
Hi Guys, Can anyone suggest any deal for £25k loans that allow for unlimited overpayments with out charge/change of interest rate? Cheers
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Cheapest way of paying off overdrafts/credit card
Hi This is my first post so hope I'm doing it right! I'm planning on retiring in around three years and want to be debt free by then. I currently have 2 overdrafts at £2400 and £2150 which cost me around £80 in monthly fees. Also £1000 on a standard rate Halifax credit card. I pay £50 per month on it which is over the…
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Contract for someone taking over my tenancy for paying in april?
Hi, I live in a student residence but I am moving out next week and some other student is taking over, however... The rent is paid by term and is very top heavy (1700 in September, 1800 in January then 700 in april) and normally for someone to take over a contract they would need to pay the current tenant back the rent…
