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Loans

Archives for October 2015

Personal Loan Agreement Template
Has anyone found a FREE personal loan agreement template on-line or does anyone have a blank form they could send me? Thanks.
Mature Student 2nd Degree
Hi all, Student loans for a 2nd time degree - are they impossible to get absolutely? Are there any tricks? I read on here that they may be changing the rules and they could get paid in 2016... could this be true? I am on a Masters of Psychology course 1st year of 5, I'm trying to sort out funding at the moment, however…
Land Rover PCP Contracts
Hi All, I would like to first apologise if I have posted this in the wrong forum. I am looking to take out a Personal Contract Plan (PCP) with Land Rover for a (used) Range Rover Evoque in MaRCH 2016. I would like to know what their thinking is prior to agreement to the plan, if possible i.e what they expect from their…
was we forced into a new loan?
O.K here gos....... My wife took a personal loan out with Lloyds in July 2004 for £8,867.46p over 84 months @12.23% per annum. PPI was added (forced) £2,362.09p giving a total balance of £11,229.55p We made the agreed payments of £199.66 for 4 months then decided we wanted to cancel the PPI. My wife went into the bank in…
Who is liable for this debt?
Hi All I'm new on here and I have searched the boards but cannot find an answer. Our friends son texted and said his girlfriend had kicked him out and his parents were on holiday and could he stay with us as he has nowhere to go. We agreed. He turned up without a penny to his name and a totally illegal car - no tax, no…
CFO Lending Do I have a claim?
Hi Everyone, I got into financial difficulties in 2010/11 and turned to cfo lending, who i have emailed for a statement of what i paid, i see that some other members of the board have been able to claim some money back, i will upload my borrowing if someone could advise me i would really appreciate it.
Moving debts around...loan onto credit card
Hi In January, I took a loan of £12k over 60 months at a (poor) rate of 9.9%. My monthly repayment is £255 which is made up of £200 repayment and £55 interest (it's a HSBC loan so the interest of £3,300 is divided by 60 and paid at the same figure each month). The total repayment is approx £15,300. At the time I took the…
Payday loan.
Afternoon All, Wow this is my second post in a week. Bit of background, took a £130 payday loan from PDL company and kept rolling it over ...What also happened to me is that the solicitors starting taking monies from my account also. Spoke with them on several occasions to not effect. Started loan on Feb 2011 and finally…
Early Settlement Vs Increased Payments ???
Hi, April 2014 I borrowed £5000 from a company, interest rate was 49.9% (variable). Due to high interest rate I need to clear ASAP and would like some advise. £4,162.63 is settlement balance today. I'm looking at settling in March 2016, but I've got the option to pay an extra payment monthly or save money and settle the…
Am I missing something - personal loan
My car is on its last legs, and I've found a decent replacement through a very good source, and it's going to cost about £5k and will be available in a couple of weeks. No concerns with the car, and a loan is affordable. I have been saving £200 a month, but only since Christmas and most of that money is ear-marked anyway.…
Best option to get rid of a high APR car loan
Stupidly, or rather desperately I had to get a car on finance from dealer ship that accepted anybody. I had already tried the £500 cheap car option which cost me another £500 in 6 months then totally died, so needed something newer and reliable. Had no other option as I had 3 defaults on my account. This was 2 years ago…
£50k Loan for only a few months
I am building an extension on my house it is going to cost around £50k. My partner is in the process of selling her property which will fund the extension, but the monies will not be available until a few months after the extension is complete. I therefore need a loan which I can pay off as soon as the money is available,…
Switch 5.4% Car HP to 3.4% Loan
I've been MSE for too long (well maybe) and I have a mental conflict about whether switching loans (as per title) is something I should do - just thought I would reach out and see if anyone can help me with suggestions or ways to finesse the situation In March following a catastrophe in the 2nd hand car market after our…
Missing from the electoral register
Hi there I'm about to relocate from one part of the country to another and thought I would take out a bank loan to cover the cost. However when I checked my credit score with experian and equifax, for some reason both say I am not on the electoral register. I definitely should be, I voted in the general election this year…
PAying interest on an 'interest free' VERY.com credit account HELP!!
Sorry I know this is a bit lengthy but I am fining myself becoming really unwell with this and don't know what to do. On the 29th July I was looking on VERY.com with the sole intention of buying a TV unit and nothing else - the TV unit was £129 however I noticed on the website that VERY were advertising that if you spent…
Wonga possible problem
Hi All, am new on here and It is a question more than anything else. I had a few Wonga loans about three years ago and I have cleared them now , which is good. My question is on their webpage it said you cannot use a credit card to pay off the debts. I used my companies one which I should not have used and it cost me my…
Help finding unsecured loan
Hello i was wondering if anyone could direct me to somewhere i would get accepted for an unsecured loan with bad credit? Im only looking for around 1500 which i could repay over 6 months. The loan is for consolidating stupid little debts ive accumulated over the past few years i just want to get rid of them so i can start…
Multiple loan applications within a few months
Here's the scoop. I want to apply for two loans within a 2-3 month period. My situation is good credit, good rental history, fair work history. I want to apply for a small personal loan, about 7000 dollars. Assuming approval on that loan, I will apply for a second loan, an auto loan, 2-3 months afterwards. The auto loan…
Do I have a PCP or personal loan?
Now this is probably a stupid post, but here goes anyway. I have bought a car with finance provided by Santander. I've always thought it was a PCP (indeed the HPI check on the car confirms this); I'm paying a monthly amount, there's a balloon payment at the end and there's an agreed mileage and future value. I'm getting a…
MSE News: Payday lender Dollar to refund over £15m to 147,000 borrowers
Dollar, trading as The Money Shop, Payday UK, Payday Express and Ladder Loans, lent many more than they could afford... Read the full story: Payday lender Dollar to refund over £15m to 147,000 borrowers Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read…

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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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