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Charged Interest by an unlicensed compay
Hi. I have recently discovered that I have been paying interest on a Golf Club subscription and the owner wasn’t licensed to charge interest. Can this be claimed back. Thanks.
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Halifax loan
Hi I'm looking at the how I go about paying a loan off early. I've asked for an early settlement quote but it's slightly higher than the loan balance. I owe £6,015. Someone mentioned to me that they normally reduce a loan for early settlement. If I decide to pay a lump sum off instead will my monthly payments reduce? Any…
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Repaying Season Ticket Loan?
I got a season ticket loan through my work, which is six months paid off. I'm now leaving so have £2400 left on my ticket to pay back to my work. I can cover this by just getting a refund on my season ticket and using that money to pay back my work. But then I would need to buy a monthly ticket, which is both more…
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Cancellation of Van finance
Hi, I am just looking for a little bit of advice regarding the finance that I took out for a work van. I bought a Peugot Boxer van for £10k from a dealer, on finance with black horse, a month and a week ago. From the get go there were troubles with the van, it would cut out and have trouble starting ie. Not fit for purpose…
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besavvi Loans
Hello there, I've applied for a besavvi loan, which has been approved after recommendation from this websites loan eligibility checker. All the e-mail correspondence I've had is from Hitachi finance. After a bit of research, I can see beSavvi are a trading name of Hitachi, which doesn't bother me. The thing is, I can't…
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Anyone had a POST OFFICE LOAN??
Applied Friday. Few hours later I got an email saying congratulations your money is on the way Subject to final checks the money should be in your bank within three days. Has anyone had a loan and had the money as expected??
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Car finance ccj help and advice
Hi All, Currently on a ccj wage arrestment from my car finance still have around 13k remaining after being unfit to work shortly after a large finance deal, also couldn't repay the standard amount when I did return to work but by that point was put on a ccj repayment anyway. First thing I need some advice with is I am…
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Student Loan Interest
Hi All, Apologies if this has been asked before but i haven't been able to find the answer. I started Uni in 2009 and finished in 2013 with a decent student loan and on Plan 1. I'm paying it off at a decent rate and should have it all paid in the next 6-7 years, interest dependant. And thats where my question comes, is…
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Student Loan
Hi guys, first post here. I have a Plan 1 student loan with the student Loans Company. I had been paying off this loan for years via PAYE at my previous employer in the Uk. I only ever paid back when I had earnt over a certain amount each month, and then the amount they took was negligible so I didn't really notice it…
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118 loan
Good morning all. So I am in the process of building my credit report, slow process but I am getting there!! I am in desperate need of some cash as my car has failed it’s MOT, and I don’t have the funds to buy a new car, or fix it and have nobody I can borrow from. So last night I applied for a loan from 118118, through…
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Hire Purchase Help?!
Few weeks ago I took out a Hire Purchase for a car worth £11,000. The APR is 27.4% as my credit was really bad from years before. I didn't really understand what I was getting myself into until now. What is the best course of action to get this paid off ASAP my currently monthly payments are £319. Is it worth saving up a…
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guarantor loan gone very bad
A friend was pushed into being a guarantor on a loan by her then-partner. This went as far as him filling in false details about her earnings and then, when the company in question asked her to confirm over the phone, with her then-partner stood over her, she said yes. He has since completely vanished - current address…
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"Refreshing" Loan - negative impact?
Hi there, In February last year, mainly to move in with my partner at the time, I took up a new 10k at 6.8% loan from HSBC to finance my move, down payment, incidentals, new furniture, etc. This has all been going perfectly fine, my finances are in a good state, my credit score is great. Unfortunately, December was very…
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Post office loans ??!
Hi, Experian said I had 9/10 chance of post office accepting me for a loan. So I applied and it said " Thank you, you've been accepted for a loan" Subject to further checks the money will be in your bank within two days. We will shortly send you an email. - BUT I've received no further correspondence? Will I get the loan…
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Section 75 on an interest free credit agreement
Hi, I'm buying a new sofa, and have paid the deposit on a credit card. I'm wondering if I should put the remainder of the balance on an interest free credit agreement, or just pay it in full. My thoughts are that if I have an agreement, ill have section 75 cover for the duration of the agreement. Can anyone clarify if this…
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Frustrated with Nationwide.
I applied on Tuesday for a small loan with Nationwide. Application went through fine and had a congratulations message saying loan was approved and the fund released was approved and expect funds within two hours. No funds arrived. Spoke to Nationwide Wednesday morning, they state my application was pulled for auditing by…
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Selling Loans to over 65s Checks
Hi . Mother in law recently died. In process of sorting through her paperwork came across details of a Hitachi Loan for a new kitchen sold to her by "Better Kitchens" who i understand are no longer trading. She took out in Mar 1992 (age 78 at the time). We were aware of the existence of the loan. Recall being present…
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Estimating a loan deposit based on the monthly payment
I've noticed on most car websites that you can get a loan estimate by entering a deposit and a term, and the company will give you an estimate of monthly costs. Some manufacturers like BMW will also let you input a monthly payment and term, and give you the deposit required to achieve that monthly payment. My maths is not…
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Personal loan while dad at home
Hello MSE people. I am a dad at home. The opportunity arisen for me to start working at home but i need to buy some machinery that would run me about 4k. My wife is self employed, we have 2 cars and 2 kids and are doing fairly well. As i am "unemployed" what are the chances of me getting a 4-5k loan ? AFAIK i have good…
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Alternatives to Professional and Career Development loans
Hi, I'm posting this to hopefully generate some discussion about alternatives to Professional and Career Development loans, now that they have been axed by The Co-operative Bank. Best, Joseph
