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accepted for car finance, then they change agreement.
Hi, Ive been interested in getting a new (used) car for a little while and decided to do a bit of shopping around. ive settled on a make and model and found a nice one online. It said they accept poor credit etc and to apply, just click this button for a 5 minute application. So i went ahead and got a call the next day…
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Ending Car finance Early
Hi guys, Thanks in advance :) . My query... I have been advised that I can end my car insurance early, that said; I have been promoted at work and am due my company car but have a current vehicle on finance and do not really want to to paying for it and not using it for the remaining 2.5 years. I have a 36 month agreement…
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Get loan to make money
hello! is there a loan I can get and deposit that money to receive the interest? Supposedly the loan interest will be less than the savings interest thanks!
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Loan Early repayment and monthly repayment
Hello Guys, I have a question. I'm looking to buy a car and I want to take out a personal loan. I understand an early repayment can carry an additional charge depending on the lender but will it also affect the monthly repayment? As in, I want to have the funds available so if I come across the car I want, I'm ready to…
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No loan company will accept me!
So my credit rating is poor, I have tried every single loan company i can find including ones such as myjar. But none of them will accept me. I desperately need money to consolidate debts I have with people but I can't seem to get a loan company that will accept me without a guarantor. Is there any one that somebody knows…
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Loan affordability
Hi, looking for advice. We are moving house next month and want to take out a loan for some work that needs doing to the house. I have a better credit rating than my husband but I earn less. I also have a loan already which I just wanted to increase. The thing is that our new mortgage is more than half of my take home pay.…
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Bank says I am in arrears with my loan repayments.
I took out a loan a few years ago when I was employed. The final repayment is due in mid 2017. I never missed a payment until I lost my job in July last year. Then in November the bank refunded nearly £3000 into my loan account due to some error that came to light on their part. This more than covered the missed payments…
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Tesco Bank Loan Agreement
Hello All, I was wondering If anyone has recently applied for a Tesco Loan: I have just been accepted in principle and have to sign the documentation and send 1 months bank statement. What would the reason behind one month of bank statements be? I have moved address in the last year so would it just be for proof of…
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Can a bank say I owe them money I didn't agree to borrow?
I had an issue with a bank account last year. I was in dispute with a large company about how much money I owed them. They proceeded to request the money via direct debit. It was just over £6000. I didn't have any money in the account, but for some reason my bank decided to pay the direct debit, leaving me £6000 overdrawn.…
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tesco loan question
hi all, i currently have a tesco loans ( 4k left to pay @6.2%!) i want to borrow some more 10k .....the current tesco rate is 3.2% if i do 'additional borrowing' does anyone know if the WHOLE loan will go onto the small rate? i.e all 14k @ 3.2%? cheers
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Car Lease
My daughter got a Mini Cooper on a PCP last year .... car was valued at nearly £10,000 by Mini.... her settlement figure currently stands at £7700 ... she would like to get out of the PCP and Mini have told her she can sell the car privately or to another garage/dealer and pay off the finance... how is she supposed to do…
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Have CO-OP done anything wrong with my loan? Do I need to escalate this?
I have had some confusing correspondence from Co-op in relation to my personal loan with them. 20/07/15 "I am writing to tell you about a mistake we made that affected the Direct loan you have with us. Your loan balance has been reduced by £776.33" - This letter then goes to explain about the CCA and how they haven't fully…
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Student Loan Query -Erudio
Hi there. I am also having major problems with Erudio, and have done since it was passed over from SLC. With SLC it was plain sailing and never had problems with deferment. Erudio is a different story. First of all I received a letter informing the first loan ( taken out in 1996) the last loan taken out in 1999) had been…
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Extend current loan or see it out?
Hi guys, I'm new here so hope I'm in the right place - I'll get striaght to it I took out a 5 year loan for a car and currently have 10 months left to pay. I've been itching to get a new car for a while now but would need to take out another loan to afford it. So I guess the advice I'm looking for is; -should I wait my…
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Loan cover , Section 75 ??
Hi Moneysavers I bough an automatic Ford Galaxy from a Ford main dealer (TrustFord, Ashton Gate, Bristol) on June 21st 2015. It is a 2012 plate and had 14,000 miles and I have put on 10,000 miles. In the past 3 weeks the gears have been slipping and today the car stopped completely with a warning something like "partial…
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Advice needed re: going as guarantor for a friend
Hi So tonight I need some advice regarding an issue I have. Three years ago I went as guarantor for a friend for a loan at an extortionate rate and up until now although we have had some hiccups it has been ok. This was until I had a phone call from the company TFL to say she had missed two payments and refused to answer…
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Advice needed loan/ consolidation
Hi all I am currently rebuilding my credit score but I am now wondering if i would be better off paying off my CC (£650) and another cash advance card (£100) by taking out a small loan (£1500) to consolidate these cards, cancel the cash advance card and (£150) on a payday loan that I have been paying off for months now. I…
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Erudio problems
Hi there. I am also having major problems with Erudio, and have done since it was passed over from SLC. With SLC it was plain sailing and never had problems with deferment. Erudio is a different story. First of all I received a letter informing the first loan ( taken out in 1996) the last loan taken out in 1999) had been…
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Finance agreement help please
Hi all. Searched and couldn't find the answer to this anywhere on the internet so I am in need of help. Long story short I have just purchased a car that I am going to be using as a private hire taxi. I have signed all my finance documents and have the car. I just was sitting reading through all the small print and it…
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Desperate advice needed re Identity Fraud and Payday Loan companies
Hi all I desperately need some advice on behalf of my 22 year old daughter. She has recently come out of an abusive relationship and the things that are coming to light are frightening. Her ex partner has managed to use her debit card (without permission and unsure how pin no has been found), access internet banking…
