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Satsuma Loans - Bounced CPA
[STRIKE]Hello, I have a loan with Satsuma Loans for £250 with £123.00 re-payments over 3 months. The first repayment is on 1st December. I have the funds to accommodate the re-payment, but not until the afternoon, however the Continuous Payment Authority (CPA) on my debit card comes out at 3am on the day. My question is,…
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Payday loaners payable at a specific date
Hello, I am very interested in taking out a few hundred quid loan from a payday site but as I am a student, I get money from student finance (the government),I will only be able to make payments from January 2018. I cant start payments until then, anyone know which online payday site offers this ? PS; I can 1000% pay it…
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Is this a good deal?
Hi I have been provisionally offered an Avanti loan - applied for £3500 - admin fee upfront is £189 then the cost is 0.70% interest - without the admin fee I believe that works out at 8.7% APR. I have a 0% credit card coming to an end in January and have £3500 balance on it. I find I am being offered better loans than…
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Amigo Guarantor receives loan
Hi I am new to this forum. I volunteer for a debt advice charity and have recently come across a situation which is new to me and my colleagues. Basically the client took out an Amigo loan, it seems that they, Amigo, for “anti fraud” purposes now pay the money to the guarantor, not the client. In this case the guarantor…
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How to avoid settlement interest
Hi all, I have a loan which I'm fortunate enough to be in a position of being able to pay off early. However I'm told that if I pay off early in full that I will incur 58 days interest charge. Is it correct that if I pay almost all the amount off and leave some to be collected by normal DD which in turn will avoid the 58…
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Loans away from headline rate?
Hello forumites. For all its worth, I've got 999 credit rating on Experian. My bank is TSB and Halifax, and though both show 2.8% headline loan rates, when I do a personal loan offer, its coming out around 8.9%. I'd like to secure cheaper finance for a £25k house renovation (I have no heating, kitchen or bathroom),…
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Increased salary and home improvements
Hi I’d appreciate some advice of how to approach things. I bought my first home in July and I’m having a baby in February. The house needed lots of work, so I took out a £10k loan which my partner and I could comfortably repay, even with maternity leave/childcare future costs taken into account. We got a lot of work to the…
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Secure Trust Bank - Just checking.
Hi, not sure if I’m on the right board but here’s my problem; I had a couple of appliances from AO.com a couple of years ago which I’ve been paying and although I have a year left to go I want to call up and pay the rest off as I’m now in a position to do so. The amount of credit was £1000.48 given at 10.21% per annum for…
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Pcp, will I be accepted?
Thanks for your help :)
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First Plus Loan
I had a First Plus Loan probably from 2007 to 2012 - all fully paid off - 2nd charge against my property - they do not exist any more - i believe that Barclays may own them but telephone banking and in branch think i am speaking a foreign language when asking for the loan details and ask who are First Plus - who can i call…
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Which loan to pay off?
Hi folks, I've got a question to which i think i already know the answer, but i'm eliciting some second and third opinions just to be sure. Here's the situation: I have a mortage on my home and a separate mortgage on my business building. The home mortgage has a 3.3% interest rate and still has 26 years to run, after which…
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Springcoin/Avantcredit
Hi I took out a loan back in Dec 2014 for £4500 with Springcoin... the monthly repayments were around £176. After only a few months of having this loan I received an email to say spring coin was now avant credit and i was to pay them each month instead. I didn't hear anymore from them and at the time lost my job and…
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How and where?
Good afternoon. My partner has been inundated with letters from severa companies (Aspire Loans, Barclaycard, Amigo etc.) with regards to a loan application that was apparently made in her name. I similarly have received a few cold calls on my mobile asking for her in relation to this. She has no interest in and hasn’t…
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loan to pay rent
Hi guys, my first post here but i need some advice. my friend says she'll soon to starting to fall behind on rent and has applied for a loan to cover the duration of the tenancy and will pay the rent with the loan. the loan has been approved and is awaiting signing my question is this, my concern is that she said the loan…
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Advice on over 30k debt
Hi, I have managed to rack up over 30k in debt, all paid up to date but i'm struggling to keep up with the payments. My credit isn't bad but my balance to limit ratio is pretty high. I really want to consolidate most of my debt so i'm paying less each month, but because of the amount of unsecured debt i have, when…
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M&S Bank personal Loan Interest refund, don't understand, advice please?
Hello all, I had a letter come through the post the other day from M&S Bank regarding a loan that was cleared a while ago... "We have identified that we didn't include important information on your annual statement, reminding you about your right to make partial prepayments to your loan at any time" They have included a…
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Should I pay off my Debt with my Savings
Hi Everyone, I'm looking for some opinions/advice from people other than my Mum. I'm 21 years old and have 17k debt. Believe it or not I have nothing to show for this. It started when I was 18 years old and got accepted for a credit card and things spiralled out of control from there. I am very fortunate to have 52k in a…
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Who is the legal owner of a loan paid by another
Hi, after some advise from you gurus if I may. A couple of years ago me and my other half got new cars. Luckily I had a large pay-out (which I new was coming) but rather than buy both cars out write we took out the finance (as there was an offer of another £1500 off each car if taking the finance) So, that's 2 contracts, 1…
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Advice please! Secured Loan for Home Extension
Hi all, Looking for a little advice about secured loans (apologies for the huge back story ;) ). We have worked hard over the last few years to clear 95% of our unsecured debt. Leaving a small, manageable amount still to be cleared (>£4k). We have outgrown our house but would prefer to extend it rather than sell and move…
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HSBC early repayment issues.
Hello, I recently took out a loan with HSBC my bank. I borrowed £5000 at a rate of 5.1%. I have since made 3 payments of £106. I called them today to request a settlement fiqure and the amount is still more than i borrowed. I have made payments of over £300 but i have to pay them £5017 to settle early. Im waiting for a…
