-
Car Finance (PCP)
Hi all, Was hoping someone could help! I currently have car finance with Black Horse, taken out 23rd March of this year. Me and my partner are moving to a new area where a train station is within 0.5 miles of the property, and I work in the local city centre. It makes sense (certainly financially) as he drives to probably…
-
Loan Company repeated calls... Help!
For about a year now I’ve been receiving texts and calls for another person who has apparently applied for Loans trough several brokers but used my phone number. It wasn’t too annoying at first but now it’s ridiculous. The last few weeks I’ve had about 5 calls and 10 texts a day from various loan companies about different…
-
debt consolidation
Hi! As my credit card's 0% period is coming to an end I'm looking to consolidate my debt with a (cheaper) loan. My overall credit score is quite good (no missed payments etc.), but the affordability score is pretty low because of my relatively low income. I have recently taken up another part-time job and this increases my…
-
Santander Voluntary Termination
Good Evening All, I was just wondering if anyone could give me shed some light on a question I have. I recently filed for voluntary termination of my car with Santander Finance and the car was picked up yesterday. I was given a receipt with the car's condition on the paper. The receipt doesn't detail any damage to the car…
-
Using a credit card to pay of 2nd charge mortgage
Hi I want to pay of a 2nd charge mortgage. WhilstI could transfer the sum to the company's bank account, I want to protect my money - as the Loan company whilst regulated by the FCA is owned by at least one other company, ie not a high street company. My plan was to pay most using my credit card and then pay this off,…
-
TSB Loans affected too?
In late January I made a soft application for a £7,600 loan with TSB following recommendation from Money Saving Expert. Accepted, a few days later I made formal application with TSB online with the help of their on-line telephone loans' help desk. With TSB's loan agreed I then gave the go ahead for a classic car…
-
Provident loans handed to pensioner
Hi just her to ask for some advice if possible, my mother (70 years young) is showing the early signs of Dementia, we thought it was beginning but she refused help and laughed it off, very recently she had a breakdown and finally agreed to get help, it was from there other problems started to become known, whilst…
-
Paragon Finance
Looking for advice? I initially took out a loan with Universal credit for £10K over 10 years the start of this loan was back in late 1994. Total sum to paid back amounted to £15K. Made my fist payment of £241.63 and continued for the next 41 months. I then got into some financial difficulties due to a failed business and…
-
10 year old car finance
hi i got car finance 10 years ago just before financial crisis hit , and i lost my job shortly after so i missed payments and car was reposessed ,the finance company sold car through auction and are still looking me to pay outstanding balance ,does this still apply after so long thanks dee
-
Loan for Student Fees
Hi everyone! I feel like my situation is quite unique (if not, I haven't been able to find any help online!) I'm going back to college after 12 years to retrain as a Vet nurse, but the fees are £7,500 a year and I am not eligible for any student finance (already exceeded the amount I am allowed to borrow on my previous…
-
Skye Loans-nervous about paying back
Morning All - I have a 2nd charge mortgage loan which was taken over by Skye a couple of years ago. All has gone well and now I want to pay it back. they've sent me a redemption sum, did a money laundering check and sent me their bank details BUT...I'm scared about transferring nearly £20k to them in case a) the letter is…
-
My loan and now my worries
Over a year ago I got a loan from Amigo. My partner was the guantor. My mum had some of the money. I had no payments going out and was living with my mum. Fast forward two years. I am now living with my partner in a council rented flat with our 7 month daughter. So of course my money circumstances have changed…
-
Payday Loans - Peachy Credit check
Hello All, just after a bit of advice on this company. i took out a loan with them and their website has a page for responsible lending where they say they do a search on your credit file.....fair enough as expected However i have a complaint in against them for irresponsible lending (which i am going to address in a new…
-
Legal or informal agreement on a family loan
Hi I am seeking advice on behalf of my parents. They have loaned my sister and brother-in-law a large sum of money so that they can buy a new car. Though they are family and everything should work out okay, they are worried about losing their money if something unfortunate happened to my sister and BiL. They wondered about…
-
Mistake on Loan Application please help!
My girlfriend recently applied for a loan online with her bank around 5 weeks ago for £2500. She is currently unemployed but mistakenly put her pervious job down that was within the previous 12 months as her job now. When the application was complete it said she should here back within 3-5 working days with documents to…
-
Co-op bank personal loans
A few months after withdrawing from direct-sale mortgages, Co-op bank seem to have now quietly withdrawn from personal loans completely. Seems like an odd move, would have thought these were profitable Looks like the new owners are continuing their streamlining (and shrinking) of the bank to work back towards…
-
Elderbridge
Want to pay of elderbridge but they say we owe a lot more than we thought they say we owe 24k in suspended interest can this be right can they demand this as it was accrued whilst with first plus who passes it on to elderbridge
-
Excellent credit score, likelihood, earnings...yet can't get a loan
My net income is £2636 a month. I have savings of £4k. My monthly outgoings are £1200 including rent at £600. I was employed from 2009-2012 earning 30k. Then employed from 2014-2016 earning 45k. Went back to uni, did a masters. Been at my new job 6 months, earning 49k. I have no debts. No dependents, no loans. No nothing.…
-
Mis-sold Barclays loans
Hello everyone. I'm just wondering if I could make a claim against Barclays bank. I'm about 2001 I took out a £2000 loan in order to buy a car. About a year and a half later I'd moved in with my boyfriend and had more outgoings. I found myself sinking so I thought I'd ask the local Barclays if they could help me figure out…
-
Early overpayment on loan
Dear all I could really do with some advice. I am trying to make an overpayment of £1000 on a loan with Natwest and they are wanting to charge 58 days interest, however this website informs me that banks are not allowed to charge a fee for any loans taken out after 1st February 2011 where the overpayments total less than…
