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Erudio: deferment problems due to drop in salary.
I'm having issues with Erudio. Due to cost cutting at work and family pressures I voluntarily agreed to reduce my hours at wirk this year -starting April. Therefore my pre April payslips show my old salary which is over the new lowered threshold for repayment. My new salary as of April is below the threshold and I sent a…
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Mortgage pre-approval process
I would like to recognize what sort of commercial loan documentation is used here in Canada. Like, if a person acquires a loan from a bank, he or she is required to sign loan documentation forms like personal guarantee, borrowing resolutions and disclosure statements, promissory notes etc. Actually, I am planning to get a…
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Getting a loan after bankruptcy
Am looking a applying for a loan once my bankruptcy has come off in June as need to get a new car ready for when my wife gives birth so we have a car we can trust I have been rebuilding my credit file over the last few years I have 1 cc and 1 catalog Nothing on the catalog and 2500 on the cc What do people think of me…
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BMW PCP Help
I have signed only an paper order form for a used BMW car which only states the deposit paid & total price left to pay. The sales advisor has not put his signature on it only his name. I have not signed the official pcp/finance contract yet as i am meant to pick up the car tomorrow at the BMW dealership. I have put a £500…
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Overpaying Citroen Finance
Can I overpay my Citroen Finance agreement or not or do I have to clear full balance or carry on with monthly payments? When I am on their website attempting a payment it says payment reason and the drop downs are, arrears payment, regular payment or final settlement. I owe about £5000 and want to overpay about £50 a week…
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Irresponsible lending to pensioner
Hi My mother is 70, she has an income of £600 per month approximately (Pension Credit) and utilities of £160 per month and food on top of this. Over the last few years since my sister passed away (she used to financially support mum monthly payment.) I have discovered that as well as living in a £600 overdraft mum has…
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Liability question about Pay4Later
Hi, If someone sells the goods "paid for" by Pay4Later before the end of the repayments are they or the buyer of the goods liable for the remaing payments? In this case the goods are a bike. Regards
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Cancellation of loan in error - can it be legally enforced?
My partner had a loan which was cancelled in error by the company after a misunderstanding on a phone call. After involving FOS they agreed it was a misunderstanding but that the company had not dealt with the situation properly. They had to fix the mess they made of his credit file and pay compensation. They have not…
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Provident Agent Error
My partner has been using Provident for loans for the last couple of years, we are aware you pay silly amounts of interest but this is not about that. At the start of the year she took out a new loan, the agent comes to collect the payment weekly and we always pay over what we should be paying. But a few weeks ago he…
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have I been mis-sold loan?
Hi Last year I took out a loan for £1000 to be paid over one year. When I took out the loan I was told I must make MONTHLY payments as stated on signed paperwork. But when the loan was forwarded to me I was told (over the phone) that I must make WEEKLY payments. I needed the loan and could not refuse. I have been making…
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Wageday advance help.
Back in October I took out a loan with wageday advance over what I believed to be a six month period for 500. Paying back at 166 pounds a month. Today was the last day so I logged on to the website to get the email so I could tell them to shut down my account. It's saying its an 18month loan that's ridicilous at 166 per…
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Should I pay it? Can I pay it?
Hi I am about to graduate and I started university (a 3 year course), in 2012. I will have £27k of student debt. I lived at home so did not have any loans other than the tuition ones. In the mean time I have started a small business which now has a turnover of about £300k. I understand that the business cannot write off my…
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Can't make repayments :(
I've been deferring my student loan (old mortgage style) since the 90's. Last month, courtesy of some overtime, I apparently earned enough to lose my deferrment and now owe £119 per month. I split from my wife a couple of months ago and currently am literally living on the breadline (rent, child maintenance, etc). What…
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What is our best option for borrowing £5000
Our roof is leaking. We have had several quotes to get this repaired and I have approached our mortgage company about adding the loan to the existing mortgage. I have the paperwork for this but I'm hesitating because I'm wondering if there are better options. Our mortgage company will give us the money at their SVR - 5.5%…
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struggling to get loan
We have 35000 on credit cards. Trying to get loan but not happening. think only option is secure loan. Any help to which company? Not missed payment yet.
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Welcome Finance Rip Off!!!
Hi All, I am looking for a bit of advice with the regards to the delightful company which is Welcome Finance. I took a secured loan out with them over a 10 year period back in March of 2008 for £13,000 (I know huge mistake but it was my only option at the time) and was making payments of £270 per month. In 2009 I was made…
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Wonga & Credit File
Hi Guys Just read this online: http://www.experian.co.uk/blogs/consumer-advice/will-cancelled-wonga-loans-affect-credit-ratings/ Does it mean that if you have defaults with Wonga, they will be removed from your credit history??!! and if so, has anyone had this happen for them??!
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New Loan + New bank account = HELP!
Hi all I am looking for some advice. My bank emailed me saying they were upgrading my account and therefore I will be paying £16 a month for benefits I don't really use. My option is to switch to another bank. Not a problem....but.... I have a loan with my current bank as well as some credit card debt (not with the bank).…
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How long to get loan money in bank?
Looking at taking out a loan with either M&S or Sainsburys based on the loan eligibility checker here. However, I can't find any data about how long it should take for the money to be paid into my bank account once applying. Anyone know? Hoping to car shop fairly soon.
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Quick Loan Advice
Hello, if some one could clarify something for me I would be very grateful. I am about to take a loan out with M&S. The loan is over 24 months, and there is a very good chance I will be able to overpay on it. I presume that this will reduce the overall interest I pay, however some of the wording in the loan document have…
