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Student Loans Company- Can they claim repayments from my husband?
Hi all, hoping you can offer some advice. I left full-time employment in August, I am expecting a baby shortly and will be staying at home. My husband pays all bills via his bank accounts. He has also been putting £1.5k roughly in my account each month (September, October, November) to cover day to day living expenses and…
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Cancelling hire purchase and return faulty vehicle
Hi its my first post here after abit of advice. I purchased a vauxhall corsa vxr from a dealer via a hire purchase company in june 2017 the day after i took it for a full service costing me £420 2 weeks later the clutch went i took it to a garage and paid £439 for a new clutch 2 weeks later the water pipe burst and turbo…
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Irresponsible lending.
I have been contacted by a “reclaim company” telling me I am legible to claim against the lender when we signed up to a club lacosta membership. History. We bought into the club lacosta membership a few years ago, admittedly it was the usual “timeshare hard sell” but we went into it with our eyes open. We have had some…
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Pay loan with credit card?
Okay just a technicality i want clearing up. I have a loan with NRAM i'd like to get onto one of my existing credit cards thats offering a decent balance transfer offer for existing customers and i could clear it within the transfer time. Is it possible to pay off the loan on a different credit card and then transfer from…
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Lloyd’s Bank Personal Loan
Hello, My partner applied for a personal loan of £13,000 on Friday which was approved. He wanted to have a think and decide what to do so saved the loan approval. Then yesterday he went to go ahead with it but dropped the amount to £12,000 but his loan was then declined. Does anyone know why this might be? Thank you
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Debt Management Plan and looking for loan or remortgage
Hello I do hope you are well. I am in need of advise and have no idea what the best options are for my self and my family to access a loan or remortgage. We have been offered a Disability Facilities Grant to build a shower and toilet in out house for my Son. This is great news but we really would like to also make a few…
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Take a student loan or pay fees?
My daughter is looking to start university next years. There have been investments in her name over the years and an inheritance that could pay her fees and living expenses. Would she be better doing that or should she take out student loans and keep the money back for e.g. for a mortgage deposit in the future?
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Need some loan advice, please
Hey everyone :) About 2 years ago I got a loan for 7.5K, paying back 247 a month which has 2 years left to run more or less (2020). As the usual happens things come up and circumstances change, basically in a year I'm going to be going for a mortgage, also need a new car etc. Was looking at a loan for about 18K, luckily my…
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How to fund venture?
Ok, so following 4 heart attacks 18 months ago I've decided I want to open a smallish business. I was looking to rent a commercial property like most people but one has come up for sale, only I'm not quite ready as I am about to put my btl house on the market - the idea was to sell to fund the business. I could cover half…
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Pawn shops...
Wasn't sure where to put this, and a bit of a hypothetical for myself, but just wondering as distant family have used pawn shops in the past for temporary loans with what's called 'buy-back' where you can pay off the loan and get your goods back afterwards. Typically the interest rate is a usurious 80-100% APR, but there…
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Vt pcp
Hi guys sorry if this has been mentioned loads of times before! I have been to SEAT today to sort out a new car, I can VT my fiat 500 in February. I haven’t said yes to SEAT placing the order for my car yet as I want to make sure I know the ins and outs of VT! When is the best time for me to send my VT letter? I would be…
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Failed phone credit check
Hi, Last year I joined Apple's iPhone Upgrade Programme which is a 24 month monthly payment plan provided by Barclays Finance. A passed the credit check a year ago immediately despite being a student. I have since never missed a payment. Today I went to upgrade my phone and chose a handset with a slightly more expensive…
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Old overdraft with Lloyds
Hello everyone. I'm new here, and I couldn't see an overdraft section so thought I'd ask my question here. I had an overdraft with Lloyds TSB around 2006-2007. I came about having this overdraft, roughly £900, as I had a loan with them and when I got paid one particular month, they took all the money to pay off a portion…
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which bank for secured loan after IVA???
Hi, Im after getting a secured loan or remortgage and wanted to find the best lender thats not going to rip me off and which banks lend after being in an IVA we are 18mth clear of that now ..advice would be greatly recieved ... Thanks in advance
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Help with what feels unfair treatment - Halifax overdraft
Hi everyone, Hope you can help. Quick explanation Over Draft extension provided 5 times on a new contract provided on the at the time of extension and on terms I was happy with. However Halifax had already changed these terms, coming into force on 1st Nov 2017. Why did they not tell me at the time of application on 5…
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Satsuma Loans - Pre Loaded Interest?
I took a loan with Satsuma on 17th August 2017 of £1200 as a short term solution (i had to choose Satsuma due to poor credit history). I was given a 12 month term, £200 / month, totalling £2400. I had every intention of paying this loan off much earlier and to date have made the following payments toward the account:…
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Car finance/insurance predicament!
Hello, I am looking for some advice on the best way to get out of my tricky situation. Last year I took out a car on a 4 year HP plan in my first year of driving, my insurance was cheap and the first year has been great. Although a few months ago I had a small accident when I bumped into the back of a third party, who…
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Solar Loan - Insurer & installer now insolvent
I need some advice ..please I purchased and installed solar panels and receive the feed in tariff on my property in June 2015 with a 250 pound deposit paid via credit card , with the rest of the purchase financed through their preferred bank of which they made all the arrangements. I still make my payments to the…
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Student loans repayment
Hi, I have just finished university and I am due to start repaying my loan in April 2018 if I am earning over the threshold (which I wont be). My total amount owed is £4,000.00, as I only took out a maintenance loan in the last two years of my NHS funded course. Is it worth paying off my student loan before April 2018 in…
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Rights concerning Arnold Clark HP within 1-30 days.
Hello, I purchased a car, and entered into a HP agreement, on the premises of an Arnold Clark dealership last weekend. On inspection and test drive of the vehicle one week prior to this, I noted a few points (minor bodywork issues) that I requested be remedied in order for me to enter into a finance agreement to purchase.…
