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Loan Company Miscalculation of Interest
Please Help, My husband and I took out a loan in 2005 with what was at the time London Mortgage loans, it has since changed hands 3 times. My husband was in and accident in 2007 and his injuries left him disabled and unable to work. We fell into arrears, but cleared them with his payout in 2009. Last year we were informed…
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Shopping around?
Hi all, First post here so sorry if I've covered old ground. I'm looking at taking out a loan for my upcoming wedding. I applied for a loan through my bank (Santander) and have been accepted, but at a much higher interest rate than I was expecting. As applying for a loan affects my credit rating, I was therefore wondering…
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consolidating silly debts
Hi, I was on maternity last year and spent way beyond my means. So when I went back to work I was constantly paying for the previous month. This meant getting a small loan of £1000 hitting my maximum overdraft of £500 and racking up a few debts on my joint credit card. in total it's probably around £2000 but I don't really…
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Does he have rights
No contract, no verbal agreement made,, boyfriend puts £9,000 into my daughters back account for the purpose of helping towards purchasing a new car for myself (mother) not daughter. Now relationship has parted I have received court summons for repayment of funds. As the funds went from his bank account to my daughters.…
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Paying loan with 0% credit card
Hi, I have £4000 outstanding on a loan which I am paying 6.4% interest on and I have 18 more payments left on it. I have rang my loan company and asked if I am able to settle the loan with a credit card. They have stated that this is not possible and that the only way I can pay the loan is through BACS transfer or cheque.…
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hire purchase, handing car back.
Hi. Sorry if this is the wrong place posted on the motoring thread but didn't get much help. So I have a car from carcraft I got 2.5 years ago. The finance is with moneyway and I've always made the payments. I have spoke to them about handing it back and clearing the finance. I can do this as I've now made half the…
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Added interest on to 8 year loan because of the date taken from the account
In September 2007 we took out a £20,000 loan with Blemain Finance at an agreed amount of £322.34 per month £30,944.64 in total. I have looked over my credit file and it says we still owe £2365.00 to finish paying off the loan. At the end of this month we would of made 91 payments ( £29,332.94) which would indicate I have…
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Part time mature student loan
I hope someone can help. I am trying to find a student loan, which I am very happy to pay back at whatever point is deemed suitable however I am having problem because of the following: I have already gained a psychology degree with the Open University although not had any student loan associated with that. The new course…
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nationwide quote
Hi there I am thinking about consolidating all my debt into a lower monthly payment and did a soft search with nationwide for £16500 over 5 years and it came up with 15.4% and £393 per month which is a damn sight lower than what I'm paying at the moment. Just wondering what my chances would be of securing this loan? Cheers
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Loan to a colleague!
No one needs to tell me what a fool I've been........ A work colleague borrowed £2500 off me last October. I won't bother with the whys and wherefores but it then transpired that she had borrowed money off several other work colleagues in the preceding months as she had - apparently - had her bank card cloned and had money…
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long term secured loan
Hi I really hope someone can help me on this. I'm desperate and depressed over it. Back in 2006 I took out a secured loan with a company called London Personal Loans - LPL/ SPPL (it has changed names/hands several times and is now known as Acenden). The original loan was for 25K with repayments of £270 pm over a period of…
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Overtime
Not sure where to put this... Since overtime is income, would it count on a loan application? It's just, my salary is pitiful but the overtime I regularly do brings it into the region of £30,000pa on average... Just a thought?
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Loan eligibility using a soft search tool
Hi I'm brand new to this forum and would love some advice. my husband recently used the loan eligibility soft search tool to look for suitable lenders to provide a 20k loan over 5 years after submitting relevant info results included Hitachi at 90% eligibility ( excellent chance) however upon applying he was referred to…
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Black Horse - Paying off a debt, Advice?
Hi folks. I'm new to this site and not had much chance to look around yet, but have an issue with Black Horse finance wherby the account hasn't been paid for various reasons, which I'll not bore you with. But after a lengthy battle the last 6 months, between myself, Black Horse and the financial ombudsman, it's been…
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Mobile phone credit agreement
Hi everyone, I would need some advice regarding a phone purchased online on a pay monthly contract. I signed the contract for the credit agreement electronically however I have never received the phone and now the company is chasing me to pay for it even though the phone was delivered to the wrong address..... I don't know…
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Default payment - voluntary termination
Back in 2007 I had a car on finance which was stolen, the matter was reported to the police and dealt with by the insurance company (or should have been). However I was approached by the car finance company for £1300 which I did not pay as insurance should have covered the finance payments. That has been removed from my…
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Payday loan
Hi, I took payday loan a several years ago, which resulted me rerolling it again and again + taking another loan from different provider and another and another. I ended up taking one payday loan to repay another and ended up in deep debt. I was wondering if anyone was in similar position and tried to claim some charges…
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Welcome Finance may be the end of me:
Thank anybody in advance for any advice or kind words of encouragement you may have for me : To start off with My Wife and I took out a Loan from WF in 2007 for £19,000, all was well initially as a monthly payment of £300 PM was taken from my wife’s Bank Account and I supplemented her account with £150 PM to pay my half.…
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ssl capital
Over the last year or so I started to get my finances in control and grew up a little and took reponsibility for my past irresponsible lending. I checked through my credit history and got a list of all my lenders and cleared every single one either by full or partial settlement depending on the ammount and based on what I…
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Nat West Loan 25k since 2010 9.9% Apr.Been charged too much
Just a quick one. My partner has a NatWest loan. Taken out 2010 25k over 7 years. NW have been charging 9.9 % Repayments 407 pcm. Having been looking into this recently I believe they have been charging too much. Is there anyway of checking historical APRs for NatWest Loan. Any possibility of a refund. Partner has a…
