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Advantage finance
I am after some advice please. I bought a car in 2016 for £18000, i paid an £8000 deposit and the rest was borrowed from Advantage finance, it was a Hire Purchase agreement over 5 years. Unfortunately i was in an accident and my car has now been declared a total loss by my insurer. I have been asked to get a settlement…
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Finance and Debt Management Plan
Hi all. I know it's not recommended but I have been on a DMP for nearly 2 years. I already have a car on finance which is so expensive a month. I want to try and exchange for a cheaper car. What are the chances of me passing finance in order to get a cheaper more affordable car?
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At a loss...
To cut a long story short as best I can: I’m 35 years old and always had a bad history with money. Nothing major, no CCJs etc, but was never really taught about money growing up. My parents (now retired) and very secure thanks to their hard work and sensible saving etc. They always bailed me out...so subconsciously my…
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Taking out loan to pay existing debts
Hey, I’ve been reading a lot around this and I’m sorry for similarity with other posts but I’d just really appreciate some guidance! I’m having a lot of anxiety over my credit card and finance accounts in general. Although I’m not struggling to make repayments, I dread getting statements every month and would feel more at…
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Abit of advice before loan application
Hi, I am wanting to get a loan of £5,000 for 24 month, I have just recently changed jobs would this affected my application, I have gone from weekly to monthly pay so shall I wait until I get 3 month wages before I apply, i have no probation period with my new job as I have evidence showing this
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Help! Last payment made on car loan, however...
I’m not sure where to turn for advice and clarification. I have just paid my final payment on my Kia and I was thrilled to free up £300 that I have been paying for 60 months. I received a call last week from Barclay’s Partner Finance/Clydesdale to explain they will be collecting a final payment of £591 :mad: I queried the…
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FOS Advice
I have now sorted out a list of previous debts that have all been paid for over the last 10 years. I have some statements, whilst others i dont have anything. I have tried to email the companies directly regarding refunds or claims but they are all fobbing me off and saying they will reply within 60 days My question is can…
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Written off car
So I have a car finance agreement (conditional sale agreement) I have gap insurance although I have no actual clue what this is or had any paperwork. 4 year term, 7 months in. So the car was involved in a complete non fault accident, no quibbles from either insurance and it was written off. The car was bought @ roughly £4k…
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In trouble with Debt - Now cannot get a loan
Hi, as the title suggests myself and my wife are in trouble with debt and I cannot get a loan to cover it, even though I have a good credit rating. Im looking for some advice on where to go next, as the stress is now getting to me and is starting to effect my life, work and marriage, and I cannot let my family down. I will…
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Car finance, change of circumstances
Hi, I'm wondering if anyone can offer any advice or suggestions as to what we can do about our current situation. We are currently 4 months into 5 year car finance, nothing wrong with the car itself, were happy with it, however we've recently started fostering our nephew and as we have 3 children already, we can no longer…
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Pay day loan redress and CCJ.
Hello, I had various payday loans back in 2011 - 2013. I could and couldn't afford them at the time. Turned into a vicious circle of debt. Fast forward 6 years and I'm getting lots of compo payouts from various companies for mis sold loans. Lack of affordability checks etc ... 1 company (the money shop) sold a £400 debt to…
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Payday Loan: application emails
I received two emails this morning from two payday loan companies talking about my application and an enquiry on a partner website. However I didn’t apply for these or run any comparison site checks! So it seems someone has used my name and email address, is this something to be worried about!? I’ve contacted the companies…
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Emails from the money shop
Anyone else had emails from the money shop? "Attached to this email is a document relating to the voting process for the Scheme of Arrangement being undertaken by The Money Shop, please read this document carefully and take the appropriate action required." I'm just not sure if there's any benefit in voting against what…
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Desperately need advice with Loans2Go
Complaint submitted.
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business loan for non US residents
Hi guys, Does anybody know any options out there where I can acquire financing to fund the purchase of an already established ecommerce business? Where all financials of the business can be provided. Thank you. Any tips and suggestions would be welcome
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car loan newbie qs
Hi there, I'm totally new to credit! Only ever had an overdraft! I did a search on MSE for personal loans for cars and i came back as 10% likely to get a decent loan (£4000). I've just done a search on Zuto (via autotrader) and I'm "pre-approved" but I have to speak to someone next to find out about interest rates etc, so…
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Existing car finance on a car 🚗
A few months ago I bought my first used car in cash that was for sale on Gumtree. It was only £1700 which is about the value of the car. I didn’t bother with any HPI checks as it’s already 11 years old. Today, I’ve just got a letter in the post from advantage finance saying they retain an interest in the vehicle as the…
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Offering a Loan to a Friend
Firstly, apologies if this is the wrong forum for this query. I couldn't see a more suitable one, but I appreciate it's not quite the right topic, so I fully anticipate the post being moved :-) A friend was looking to upgrade their mobile phone handset via their network provider, and I pointed out that it would be much…
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Withdrawing from credit agreement
I recently took out a high interest loan, then a few days later realised it was a mistake. I rang the lender and asked to withdraw from the credit agreement which they agreed to do. I made the loan payment back with the few days interest whilst I was on the call. Now, a couple of months later, this loan has appeared on my…
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Graduate Loans
Hello All - I have a few questions concerning graduate loans: namely, do any banks still provide them, and what other options may I have to borrow? I am about to return to Uni in September to do the GDL (making me ineligible for the SF Graduate Loan) and need a small loan to help cover living costs throughout the year.…
