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Secured loans with deferred payment arrangements?
Does anyone other than local authorities provide deferred payment secured loans at non-eye-watering rates? My wife and I, aged 84 and 78 respectively, are cash strapped but asset rich, to the tune of a mortgage-free house worth £400,000 that we have dutifully willed to our daughter and family. We get by on our pensions,…
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Moneyshop ICL redress claim
This is my first post in a long while. I had 64 loans with Moneyshop 2007 to 2017. I submitted a claim under irresponsible lending which was refused and I stupidly didnt take it to the ombudsman due to family illness. I have just had a letter stating that under the ICL redress scheme my claim has been upheld and the…
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Has a secured loan been put on my parents house?
Hi, I am just wondering if I could get a bit of advice. My mum is part owner of her late parents house; her brother currently lives in it and I fear has got himself into some financial difficulty. Upon inheriting there was no mortgage / loans on the house. Is there any way to tell if he has got any secured loans against…
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Should I be concerned about my student loan?
Maybe I don't have enough to occupy myself during lockdown, but this is just something that occurred to me: I graduated back in 2003 and had a student loan - to be honest I have never really given it a second thought since then. I've always worked on a PAYE basis and a payment just gets taken from my pay packet…
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Clearing loan debt
Hi all. I'm on a mission to clear my loan debts and wondered what the best strategy is. Current situation: - Bought a London house in 2017 for £310k. - Going to list it soon. Now valued at £350k. - Mortgage is at £275k with 25 years left. - Moving out of London and need to upsize (in size but not cost). Will be looking to…
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Santander Loan Form not working?
Off the back of the latest email, as it's something I've been meaning to do for a while, I started the application form for a Cahoot Loan (hoping for 2.8% APR as currently paying 16% and trying to get my debt down!). Unfortunately the form itself stops working when I try and enter a second home address, entering the…
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Barclays Secured Loan from the 1970s
Have just discovered on my parents house deed's, Barclays still has a charge on the property, even though they paid off the small loan in 1979. I'm being sent round in circles by Barclays as they have no idea which department would hold this historic information. Visiting the branch Personal Banker, they just call the call…
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Covid loan break then this letter
Has anyone who took a Covid break From a loan received a similar letter? It states under the Consumer act your in arrears and may be charged. This was never made clear at the start and just wondering is it something to be concerned about?
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Sainsburys loan settlement figure keeps changing!
Hi, I asked for an early settlement figure which I was given in writing via the online message portal, the figure was valid for 28 days and included 58 days interest – (30 days additional interest for settling early and 28 days interest which takes you to when the settlement quote expires. I duly paid the full amount…
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Provident claims
Hi has anyone tried to claim against provident for inappropriate lending. I'm trying to claim back and having a nightmare with them, and wanted to see if anyone here has had any luck with them
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How Does 'Buy Now Pay Later' Function on Very.co.uk?
Hi,Sorry if this sounds like a silly question, but I'm having trouble understanding how Very use Buy Now Pay Later (12-month option) for purchases.Whenever I have used Very, I normally just pay back a certain amount each month and have a £12.00 charge if I fail a payment. When I click on Very's explanation of Buy Now Pay…
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Loan for home improvement
Hi there, just 5 weeks ago bought my council flat, it's old/small, but very happy, now I like to renewing it and make it bigger if possible, what options do I have , or is better for me, home improvement loan, personal loan, secure loan, secure loan. Have my mortgage from Halifax, can I get home improvement loan or any…
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Bounce back loan
I got a bounce back loan but the bank chargers me for using the account. Can I close this bank account without closing the bounceback loan account?
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Guarantor loan trouble
This discussion was created from comments split from: Can anyone recommend a decent company to investigate Interest Only Mortgage overpayments?.
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Car loan and mortgage
Hi So just looking for advice on weather a car loan is the right option. So after having my car I. The garage it’s going to cost me 4x what it is worth to fix it, so I’m now having to buy a new used car and I’m wondering if trying to get a car loan or finance will hurt my chances of a mortgage in around 4-6 months. I do…
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Sourcing your own HP car finance...
I am in the process of changing my car, have found a new vehicle, sourced finance through an FCA registered company (at an exceptional rate via my sister who works for Investec) and then have hit a stumbling block. The dealer Evans Halshaw (multiple franchises and a major national company) have said that it is illegal to…
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OnStride not taking payments (CashEuroNet)
Anyone else at their wit's end with OnStride? I've tried everything to sort this out for months and now they've put me in default. I had to take a second PayDayLoan in July 2019, which paid off the final amount of the previous one (last year was a bad year for me). I'd never not made the payments though, mostly by their…
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Have my cohort of healthcare students been at a total loss?
Starting as a physiotherapy student in 2018, only a few years removed from when nhs funded courses were still a thing for Nursing, Physio etc, then only in the third and final year of the course, does the £5000 grant/bursary for healthcare students come into effect, so the first two years, no support really. Does this mean…
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Close brothers motor finance
hi I have had the unfortunate experience of dealing with close brothers motor finance I have had to deal with credit fraud (car dealer) threatening behaviour (car dealer) theft of vehicle parts (car dealer) damage to the vehicle front and rear bumpers (car dealer) close brothers have done !!!!!! all about it all apart from…
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Overdraft
hi The Halifax bank gave my daughter a £500 overdraft when she was 18, she was not studying or working and had no regular money paid into her bank account. She has only just informed me she has this debt of which I am totally shocked, its now 2 years old. She hasn't paid anything back to the bank because she has always…
