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Ombudsman or Court?
Advice needed please! I have what I consider to be a straight forward case against a loans provider. I will give the company full opportunity issue their final response to my complaint. Following their final response it would be quicker and easier for me to simply bypass the ombudsman and the delay's associated with…
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higher rate APR approved, any point for complaint?
Hi all, I applied for a personal loan of 10,000 (joint with my wife), 10 years, through RBS. The standard APR on the website was 3.9%. I have now received an agreement in principle for a loan of the same amount and duration but with APR of 7.9%. I called RBS and as expected they said that 3.9% was only the representative…
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Cash Transfer CC to clear loan
Hi, Hope this is the correct forum for this post. Last year I took a Virgin Cash transfer card to pay off an overdraft and it was brilliant. 0% interest and over half of the debt is now gone. My only other debt is a bank loan of which I have 19 payments left at £245 a month. Each month the bank takes £35 of that in…
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Applying for both loan and credit card
Hi all, I'm looking to take out a personal loan to buy both a car and a motorbike, plus cover a few other associated expenses. Having looked around, I can take out a loan to cover the whole of the amount I've budgeted for, and the eligibility calculator here has given me a 95% chance of being approved for the current…
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Charges
Need some advice I've checked my online banking it says 2 payments and a pending payment from oportal in the space of 4 days it's left me with no money have spoken to the bank there's only so much they can do
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Provident keep sending me junk mail
I'm just wondering if there's anything I can do to stop this, and other junk mail..? I must get at least three from Provident every few months saying they can give me a £1000 loan if I'm struggling at the moment. But I wouldn't ever go with a company like that, I'd rather go through my bank..
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Ecashwindow/EPDL
Hi I'm trying to find out what my Direct Debit reference number was with this company. It was from back in 2013 when I had a few loans with them. They were called Early Payday Loan (EPDL) back then but re-branded to eCashwindow since. I've tried calling their phone number advertised on their website (01908 440050) but it…
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Is it worth keeping a Littlewoods account?
Hi guys. I've had the account for about 3 months now with a £750 limit. I ordered a smart watch from there on pay monthly. I made two payments and had £265.78 outstanding. I decided to clear the balance today. I can't see myself making future purchases on there. So is it worth keeping it or just close the account?
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Loans Credit Reference Agencies USED
Hello, Can anyone tell me which loan companies just use Experian to check credit files as I have a good score with them and that doesnt seem to be translating to Call credit and Equifax. Any suggestions appreciated. Thanks Paul
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MSE News: Finance company seeks jail time for customer who defaulted on car loan
A credit finance company launched a legal bid to have a customer imprisoned after he failed to comply with a court order...Read the full story: 'Finance company seeks jail time for customer who defaulted on car loan' Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it…
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Provident
Sorry if this is in the wrong section, I'm new here. First off please don't judge me I hate myself enough for the situation I have got myself into. Honestly I'm so stupid with money. I got a DRO in January 2015 which finished on January 2016 for catalogues I got and just couldn't afford to pay the £80 a month. Now fast…
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Bridging loan for oap?
I wonder if anyone has a suggestion? My mum is elderly and frail. She lives in a nice owner-occupied house, but it's no longer suitable for her due to her medical needs. She has been offered a shared ownership property by the local council and would have to buy a 75% share for £125K. That's fine, her owner-occupied…
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Help required... huge charges
Hi. I was looking for some advice. My elderly uncle has just informed me that he took a loan out years ago for 20k for some personal matters. The terms on the Loan were payment only on death or house sale. He tried many times to pay the Loan off although neither had happened. He has Just managed to move and was charged…
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Co-operative Bank CCA non-compliance
I've recently received a letter regarding my loan account from the Co-operative stating that they have previously provided me with information which did not fully comply with the CCA and as such I am not liable to pay interest of default charges for the effected period (Feb-Oct 16) and refunded just under £250 of interest.…
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Loan Advice Needed
Removed as changed mind about posting
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Question about APR% (the other 49%) and Loan reasons
Hi there, I'm a bit of a loan newbie and was wondering if anyone could help with the following queries: Does the reason for your loan (ie. home improvements, vehicle purchase) have an effect on whether you will be accepted and your APR %? I'm looking to get a £9k loan for cosmetic surgery & tattoo removal, and I've noticed…
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Top up loan?
Hi folks, I just can't get my head round this, I'm useless at this sort of thing... About a year ago we borrowed £6000 against our house with the Nationwide, the repayment was £8000 over 60 months at approximately £133.50 per month. We did this to buy a half decent car as ours was on it's last legs. So far we have made via…
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Can i Use an unsecured Loan as Deposit for a house?
Hello, Apologies if this has been discussed in another thread (i did search) I have a secured job with a house hold income of £100k a year, I have heard some lenders don't mind if you use a loan as long as you have a steady job and can pay off both the loan for the deposit and the mortgage I understand it's not smart…
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Bad credit help
Hello I have a bad credit score 511, and 2 defaults, which is'nt good, i know. I was made redundant just over 2 years ago, I had mortgage insurance so that was covered, I had a loan which I kept up payments with, and 3 credit cards who I got in contact with and explained my situation and where very helpful. I was…
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Help required... huge charges
Hi. I was looking for some advice. My elderly uncle has just informed me that he took a loan out years ago for 20k for some personal matters. The terms on the Lilian were payment only on death or house sale. He tried many times to pay the Loan off although neither had happened. He has Just managed to move and was charged…
