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Call Recordings (Loan Companies)
Hi guys, I'm a bit confused on this, I've asked for some call recordings from March this year to be sent to me by a particular company. They've come back with this; "Dear Mr ****** Thank you for your email, unfortunately I am unable to provide you with copies of call recordings that are more than three months old as we do…
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Student finance repayment when working in Scotland.
I hope this is the right place to post. I currently live in England and am going to university in Scotland in September. My question is this: At what level of income will I start repaying if I remain in Scotland to work? It's extremely unclear online and when talking to Student Finance England, who provide the loan, they…
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Amigo loans, interest confusion
i took out an amigo loan quite a while ago, my monthly repayment was £197. paid it on time every time since i took the loan in nov 2015 ive ive moved the payment date a couple of times for a week or 2 later (just pay a bit more interest) but month despite paying £197 the balance of £5000 has hardly ever dropped, until feb…
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Mis-sold HP Car Finance
I’m looking for someone to help me. I believe I was completely Mis-sold HP finance. In December 2017 I walked into my local dealer, I had been paying for a Vauxhall Corsa WITH THEM monthly and had negative equity of about £2,000 left on it. The dealer see me eyeing up this Mercedes A Class which was up for £13,500, way out…
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Shop Direct Finance Company LTD Issues
Right this is going to be a long thread i'm after some advice and/or support of what actions to take next and how to resolve this. So let's start I've had a account with SDFC (Shop Direct Finance Company Limited) for a while throughout numerous years which trades under the name of Very, among another one which trades under…
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Barclays Partner Finance Commission
Hi When enquiring to DSG Finance about possible PPI on a previous used car loan , Ive recieved a response saying that they can confirm they've recieved a £700+ commission payment from Barclays, but it isn't in relation to PPI, so are they saying its not plevin? Is this commission payment a regular thing? I've been trying…
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Should overpaying always reduce interest?
Hi, as title says. If you overpay a loan should it always reduce interest? I have a loan with a wreck known lender and no one there seems to be able to tell me if it will reduce the interest paid overall, and the terms are vague on it too.... Many thanks
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Car finance personal loan for ex boyfriend
Hello! I got out car finance (personal unsecured loan) for a £14k truck for my ex and father of my kids - as he has such bad credit - big mistake I know. He was supposed to pay me £250 every month for 5 years - but I have been paying it every month so far and it has been 1 1/2 years. We have since broken up and he then…
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LCS Credit Management
Has anyone ever heard of LCS Credit Management? I have received a letter from them demanding settlement for a debt from 2015 which isn't UK relevant. It isn't even EU relevant, it's from the UAE. I have no issue paying this debt as an when I'm in the position to do so, but not right now. Firstly, what is this all about and…
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Anyone heard of citi finances?
Has anyone heard or had a loan through citi finances. Based in London according to their website, but can’t find anything else about them. Thanks!
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Available credit, total debt and getting a loan
Hey all After a bit of restructuring a while back my finances are- not awful right now I have 4k left of a 7.5k loan, admittedly But i have no credit card balances, and no overdraught and about 3k credit in the bank the day before i am payed. We just finished the mortgage, and would like to downsize and enjoy the cash…
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Loan at cheaper rate to pay off another loan at higher rate?
Hi Just got the latest email from MSE, and there are loans available now at 3.3%. I've currently got a loan for 5K (about 1K paid off so far) but the interest rate is 6.6%. I'm wondering if it's worth applying for 5K at the 3.3 rate, to pay off the other loan that's at 6.6%. Would this be a good idea, or am i better off…
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natwest loan
Hi just a quick question im looking for a a car and have about 3 in my list to go and look at one at £3500 another at £5000 and the last at £7200. i can get a £7500 loan from natwest at 3.4%. My question is if i bought the 3500 one and paid the £4000 of the loan back which i didnt need would the interst go up higher or…
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Tricky Question for the Experts
Hi Everyone, A question in regards to loans and the affordability and vulnerability checks when taking out a loan. I know there is some refunds being done to pay day loans and i had a quick look on the FOS website in regards to loans. It seems this applies to all loans and not just payday loans. On the FOS website it the…
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Loan for Canadian in the UK
Hi all. I'm a Canadian living in the UK and I want to move my student loan from Canada to the UK. Interest rates are better here and also I lose money every time I send it to Canada (especially the way the pound is right now!). I'm wondering whether it's possible to get a loan that isn't tied to the term of my visa. I'm…
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Hitachi cheapest loans - but you wont get that rate
Hi Just saw that MSE is recommending Hitachi as the Cheapest loan provider... let me suggest - You wont get their cheap rate, unless you really, really dont need a loan My experience I had a loan with Hitachi for an eye treatment - the optician arranged the loan - it was £2400 at 0% over 2 years. I had a perfect payment…
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Why did I get rejected for a loan?
Please excuse my stupidity – I’m awful when it comes to money and finance as my present situation will attest to. I have about 7000 on credit cards – as they are spread throughout diff cards (they are all being paid off) but I thought I’d get a loan to put it into one manageable payment. I have an excellent credit rating…
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PCP Final Payment
Good evening all, I am at the end of a 3 year PCP deal with Black Horse and would like to keep the car. It has always been my intention to pay the final £4,000 payment on a 0% credit card, essentially giving me another 2 years to pay off the car. I have now been informed by Black Horse they will not take any payments from…
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Finance for mobile home
Hi, We are landowners, which is owned without a mortgage. We currently have a mobile home on the property (with full planning permission), and need to change it to a larger twin unit residential spec home. I have been looking for finance for the new home, but to no avail. Ideally I would prefer not to mortgage the farm to…
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Overpayments and fees - monthly or lump sum
Hi all, this is my first post so apologies if it has been answered, I did look but couldn't see anything relevant. I also suspect the answer is obvious, but I can't get my head around it, so would appreciate your help. I have a personal, unsecured bank loan and may be in a position soon to make some overpayments. As there…
