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Refund from Black Horse due to contract
A family member has had a letter this morning saying that basically blackhorse finance are giving them a refund of interest due to them not notifying her of the right to voluntarily terminate her contract before completion. It is on a car she had which is now fully paid off. It says as a result they are not entitled to…
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Declined for loan/car finance
So I've banked with barclays for 4 years now and I have a barclaycard initial CC which I've kept in good standing (not always paid in full but always paid at least 4 x the minimum) its for £800 and I bought car insurance on it and paid it off within the month last month. I've worked for nearly 3 years and always been paid…
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Mum has big equity loan on house, alarm bells, help!
Sorry new here, bear with me..pointers appreciated My mum told me today that just over 10 years ago my dad and her took out a £40K equity loan against their mortgage free house, via Northern Rock. She didn't really want to do it but dad wanted a new car and to go on some long holidays to Oz and Canada to see his brothers…
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Sunny.co.uk at it yet again
Apologies if this is in the wrong section, maybe it's more suited to the praise and vent forum. Has anyone noticed the new Sunny Loans TV adverts - ignoring the fact they're really slimy, implying that a loan with insane APR is helping people succeed in life - they don't include any information regarding the cost of the…
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Student Loan Repayments Error - HELP!
Hi guys, I could really do with some help. I am at my wits end and banging my head against a brick wall. I need to know who I can go to legally to help me with this as I have no confidence that I am going to get anywhere through complaining directly to Student Loans Company. I enclose the complaint letter I sent below to…
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Loan Eligibility
I am a pensioner living in Spain. I own my own Spanish property and have no mortgage. However I retain a bank account in the UK and have pensions paid directly into this UK account. I wish to take out a personal loan to buy a car, but although I have a sufficient income in the UK to repay the loan that I am considering, I…
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Erudio Student Loans and Direct debit
I had a call from Erudio last week saying I was in arrears and requesting that I set up a new direct debit and make a card payment for the missing payment. I checked my bank and could see that a direct debit was in place but the guy on the phone said someone at Erudio had done something and they couldn't take the payment.…
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Early repayment - what should final statement include?
Hullo, I've recently repaid a personal loan with Cooperative bank early - £12,000, 7%, taken start of July 2014, 48 months, £286/month; paid 6 instalments before settling end of Jan. Thing is, I had a statement last month showing £396 interest charged in the first 6 months, up to Jan 4. Then £160 from Jan 4 until closing…
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Car Finace Woes
Hi all Looking for some advice please, I purchased a new Ford Focus in March 2013 as part of a PCP deal putting 3.5K from a part exchange of my older vehicle into the equation. The Contract is now coming to an end and the car has a GMFV of around £7.5k . I was told at by the dealer at the time of purchase that the car…
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PCP - Handing back the car
I am wondering if somebody in the know could offer us some advise. My partner has been offered a new job and as part of this job would receive a company car. He got a Fiat Punto on a PCP in March 2013. This was to be purchased over 48 months with a balloon payment at the end. At the time of purchase he was told he could…
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Time to wait to apply for loan after mortgage completion...
Hi - just looking for a bit of advice. Last week I completed on a house purchase and now I'd like to take out a personal loan to be able to to do some improvements on the house before moving in. But my concern is that if I apply for a loan shortly after completing on a mortgage then I might be rejected? For info: I applied…
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Best loan deal for used car please.
Where can I find the best deal for loan for a used car buying? I have seen the attractive personal loan offers from Tesco, and Sainsbury's etc. Please suggest. Thanks, Am
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UNO Finance
Hi ...I brought some furniture from UNO a few years back , I want to claim back PPI but cannot find out what finance company they used . anyone help?:j
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Secure Trust Bank - Loan
Hi I currently have a loan with Secure Trust Bank, had it for a couple of years. Is there an easy way to find out when its paid up or how long is left? Thanks.
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Sainsburys loan- how much paid off half way through?
Anyone have a sainsburys loan know how much of the loan will be paid off half way through. I usually take out a 6 year car loan and repay after 3 years then start again as find that's cheaper than car finance options but maintains a deposit for next car as value remains higher than outstanding loan. Sainsburys couldn't…
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Removing Second Charge on property
Hi - I will be paying off a loan secured against my property and wondered if I needed to instruct a solicitor to remove the second charge. Does anyone know??? Thanks in advance. NYD (I don't know where to post this for it to be most relevant so have posted on a few threads).
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Student Loans Company - Overseas Repayment
I've just been looking over my recent situation, and wondered if anyone else had any problems in dealing with the Student Loans Company with this regard (which is unlikely - I think many overseas graduates try and skip their loans altogether which is definitely something I'm not interested in, let alone crunch the numbers…
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MSE News: Vulnerable consumers pay triple high street prices for Rent-to-Own goods
Cash-strapped customers who buy TVs and washing machines through rent-to-own (RTO) schemes are paying three times more ... Read the full story: Vulnerable consumers pay triple high street prices for Rent-to-Own goods Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it…
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0% Interest Free Finance
Hi all, I'm considering buying an engagement ring for my hopefully soon to be fiance and I think I have found one! It is a bit pricey and I was hoping to do interest free credit over 3 years to pay it off with a 10% deposit up front on 0% intrerst free finance. My situation on credit isn't fantastic, I've been accepted for…
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Card mentioned on Martins tv show?
Hi all, I was watching Martins tv program and he briefly mentioned that if you were buying a new car you could use a 24 month card that was £5000 and 0%. It would deposit the cash into your bank to allow you to buy a car. Any ideas what this is? Our car has just broken down and we need to buy a new one ASAP (repairs cost…
