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Loans

Archives for September 2015

What the flip is this all about, and what does it mean for University students?
http://www.bbc.co.uk/news/education-34336404 "Freezing the earnings threshold" "In July, Chancellor George Osborne announced a consultation on freezing the threshold for five years, rather than linking it with average earnings." "This would affect those who took loans from 2012, when annual tuition fees were raised to a…
Natwest loan
Hi, I have an old natwest loan that was taken out around 2007. I ran into financial trouble in 2009 and put this loan into a DMP of which it is getting repaid every month. The loan was initially around 24k. When i ran into trouble i called natwest to ask for a copy of the loan agreement and they couldnt provide it as had…
Re- Cabot Finance
My nephew had a finance agreement back in March 2008, I always deal with it for him and as far I can remember we have not paid anything until 2008. This original amount was £3225 we paid £75 up front and it was £75 for 42 payments. The course was a joke and he only lasted until June. He has just had a claim form from the…
PCP or Finance - I made the wrong choice!
I purchased a new high spec Corsa the other day. I am entirely happy with the car and the fact that I have purchased new. I never treat myself and have always had bangers despite working hard and always doing OT. Buying new was a considered decision accepting the arguments about depreciation etc. I purchased no expensive…
HELP! - Voluntary Termination of Car Finance
Hi all, My first time posting here and was wondering if anyone had a bit of advice. I recently went to buy a new car, as I still owed a bit of money on my current car I decided to trade mine in against the cost of the new car (the car dealer settling the finance). The dealership told me I would be better simply doing a…
Payday loan pre approved now need to phone them(what are they going to ask)
So loan pre approved and says I need to phone, does anyone have any idea what they are likely to ask, what can they ask?
Paypal For Ultra Short Term Loan?
Hello All. I'll keep it brief... Situation: Today is Wed. I have a DD going out of my bank tomorrow (Thurs) for which I'm £40 shy. I get paid Fri. If tonight I send £40 via Paypal to a friend who then sent it straight back to my bank account to cover thurday's DD, would the delay in my bank reducing my available balance by…
Need help asap
Hi I need some urgent advice I have recently been moved from weekly to monthly wage, my company have refused to give me an advance so im having to look for a loan to support me and my one year old, is there any possibility anybody on here knows where I can find a no credit check loan as I've tried everything! I have no…
unsure of account numbers for ppi claim letter
HI everyone Ive just decided to find out if i have ever payed ppi on any past loans with several banks aswell as credit cards. I have downloaded the template letter to send to the relevant companies. On the letter it has a space to put "account number" i am unsure of any account numbers i have had with laons form these…
unknown fee
Hi has anyone ever heard of money-saver.net, I have been charged £39.95 from these people, ive contacted my bank to dispute payment and they are saying it was from debenhams, card purchase and visa verified for a continuity or subscription, ive tried contacting debenhams but noone seems to know who they are,can anyone…
overpayment
Hello I took out a 5 year natwest loan a year ago. im intreasted in overpaying but dont know how to do it should i save a big amount up or should i just put the odd amount on it.
Paragon Finanace
I took out an unsecured loan for £15,000 with Universal credit, (now Paragon Finance) in October 1996. Despite paying the full amount off, albeit over a longer period than agreed due to a relationship breakdown, plus £2000 over the amount of the loan, Paragon are still insisting that I owe them £15,827.00 This is after 19…
e Cash Window (EPDL)
Afternoon, hoping someone can help with this one... Received a text message today 'COUNTY COURT JUDGEMENT being issued to your address today' Apparently I had a payday loan with EPDL (now e cash window) back in 2011, they say my final payment was in May 2012. They are contacting me today, first contact since 2012 saying I…
Should we correct details on finance application?
Put an application through a main dealer for car finance, and got back paperwork to sign. The paperwork has the wrong "time with current employer" on it. Car dealer says no need to update is as we've been accepted so everything is fine. Plus to correct it they'd need to do a new application with a new search on my credit…
Can you really just "hand the car back" with PCP?
With a 36 month PCP agreement, should it say in the contract that we can hand the car back? Or is the only option to exercise our legal right to terminate after 50% is paid? We have been offered a contract that says we MUST pay the full amount, including the balloon payment.... .... although later on it says we have a…
Extending loan period
Hi, We've got 2 personal loans with HSBC. They aren't for massive amounts (1 is a loan for our car, the other for some essential house work). They both have 2-3 years left to run. We have also racked up about £1500 on a credit card and with my wife currently pregnant we're struggling to save, repay the card and plan ahead…
Voluntary Termination - HP
Hi all, Recently I put out a thread about my options on handing back our car due to our financial situation changing and needing to hand the car back - I am new to this site and have started a new thread as Im not sure if my old one has gone stale :( I am currently 16 months in to a 60 month HP agreement and I was…
Paying off a car loan whilst at University
Hi there, Just trying to do some research for my girlfriend who is currently at Univirsity in Scotland. A few years ago she bought a car (Car Loan) then sold it before she went to university, with the money the dealership gave her for the car, she put into a separate account and from this the loan company take the direct…
Loan over stress
Hello all So a little bit of advice is needed, if you would be so kind. I have 2 credit cards, both with about £2000 on them, one is 0% and one is 1.8% (the minimum payment just now is £55 and they add £35 of interest on, roughly). I also have an overdraft of about £1500. I just pay about £10 - 20 over the minimum each…
Unwanted PDL
Hi all, Week before last I was in a bit of bother and needed some cash so I applied for a PDL of £150 from Quick Quid. The loan was declined so I went elsewhere which was also declined and so I gave up. A day or two later I noticed a couple of email from QQ, the first was the expected declined notice and the second was one…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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