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Halifax No Details of Me
I have an entry on my credit file that says I am six months behind payments on a loan from Halifax that was last updated in August 2009. I have tried to contact Halifax giving them all my previous addresses and they have no record of me on their system. I have written to the address I have for their credit controller on…
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More genius from Erudio
Luckily I'm still in deferral, but Erudio have just written to me to say they calculated my loan repayments to be over £30 p/m more than they should have been. Wonder what they will do for anyone who has been overpaying. Hardly inspires confidence!
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lloyds personal loan
hello In brief I took a 12,000 pound loan with lloyds tsb bank which was a personal unsecured loan over 5 years. after 3 years without missing a payment I got into financial difficulty. I had ask for a payment holiday but was refused I then didn't make any further payments and no negotiations were had regarding settlement.…
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7 yr loan
hello, wondered if anyone could help? I had a 'disagreement' with my bank at the time regarding a unsecured loan this rolled on for so long that I decided to stop my dealings with the bank, 7 yrs passed and I believe this has now become statue barred about a year now? the bank has now sent a letter to me regarding a…
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Help! Loan Crisis
Does anyone know a way I can get a €500 loan over a 2 week repayment period? Have no credit rating as such but I am working
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Is it possible to get the Interest back on a loan?
I had a nationwide 3000 loan which was meant to be for over three years but I paid it all back just over a year! Is there any way of getting Back any of the interst money they charged me? It was only around £850
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loan to buy reminder of property outright?
Hi, my husband is 76 and has a guaranteed income and life insurance. We currently have a mortgage which finishes when he is 85. We want to move flat because of noisy neighbours. We can't find anyone willing to lend for a mortgage - even though we don't want any more money or a longer term. If we sell our current flat, we…
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Milatery address problems
Iv been in the royal navy for 7 and a half years. First few tears i had no problems getting credit but for some reason the past couple of years noone will touch me. I was with lloyds tsb, but since they split this is when the problems started and now im with halifax. My address is the naval establishment and im on the…
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Secured loan
Myself and my partner are thinking about taking out a secured loan. Between us we have around £36,000 of unsecured debt, a mix of 1 loan and the rest over several credit cards. The loan plus minimum payments comes to £1050 a month between us. We can just afford this every month but it leaves us with next to nothing once…
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RBS Loan Overpayments
Apologies if this has been posted before, I have searched and can't find anything. We are about to take out a loan with RBS to consolidate our debts etc etc (yes I know, but it's the right thing for us at this time). However, we are taking it out with the intention of overpaying by at least double most months. Reluctant to…
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Creation Loan Agreement for carpets - Changing Dates Without Informing me
Hi, I took out a loan agreement with Creation to pay for carpets a couple of years ago. The agreement was for 24 monthly payments starting on the 5th of March 2013, ending on the 5th of February 2015. Got a phone call yesterday from them saying I owed them a payment for March 2015. Told them that my contract stated the…
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HP Voluntary Termination - Reasonable Care
Can anyone advise on this please? I have handed back my car & terminated the HP agreement. They have now sent through a bill for damages of £789. Now, I will say first off that there was some damage. The car was parked on the street once (in a perfectly legal place), and a renowned local lunatic old lady came out of her…
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New Business loan?
Is there any way a person can get an idea how likely a new business loan application is of being accepted? If the business plan looks good, and everything is in place, and the person already has a few thousand ready to go. But how likely is a loan for £7K going to be accepted or even £10 as a business loan? The person's…
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Wonga Redress ….. Anyone completed?
So, I have had an email from conga saying they are trying to contact me regard the redress issue in 2010. I rang them and as I had moved address since this time I hadn't been getting the letters they were sending. So as the story goes - I was an apprentice at the time, and got the 1000 loan out on a silly silly APR to…
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Winner! but still no money back
When I had some money a 'Friend' needed some help to dig themselves out of a hole. So I lent them £17k and they paid it back £175 per month. This went on for several years and they suddenly stopped paying with £7K left outstanding. We were no longer close friends by this stage and they said that they had lost their job. So…
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Dwp
Hi there I received a letter from the DWP saying i owe them £422 from a crisis loan for a cot and other bits. bare in mind my daughter is now 22 years old. yes this loan is from 1993 . they have given me till end of the month to make contact, or they will go the the next stage. DEA or collection agency is this even…
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Paying off car finance (HP) with unsecured loan.
My partner has 48 months to go on a 60 month HP Agreement. It was only recently that I noticed the APR on the deal is >21%, I work away so was not home at the time the deal was agreed. I have been recently looking at the current rates being advertised for personal loans, nationwide for example 3.6% for £7500+. It looks to…
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Help
I have posted here before about the position i am in ...I was gaurentor to a loan Amigo loan I lost my Job and was out of work for 3 years and dropped in it ..I am in no position to pay as I also have other debts and plus going through a divorce which and my ex has left me in all sorts of debt ....I took advise from here…
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Loan Repayment & Interest Querie HSBC
Last year I took out a loan with my bank HSBC for £12,000. It was setup over 5 years with an interest rate of circa 15%APR (I havn't got the paperwork infront of me). But repayments are of £284.47 a month for 60 months When logging into my online banking I could see from the beginning that the total I owed for the whole…
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GE Money Charges
hi im new to this but looking for some advice:- I took out a secured loan with GE Money in 2005 and am now coming to the end of the loan I have just received a statement from them stating due to having default charges I will not beable to pay off the loan on the agreed date unless I up my payments. On looking at the…
