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Barclays Partner Finance Fraud PLEASE HELP
Hi everyone, About three weeks ago I recieved a letter from Barclays Partner Finance alleging that I took out a loan for some apple product and it had my bank details attached to it. I have never taken any form of loan out and therefore am a victim of identity theft. Im no sure how this happened but the first thing I did…
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Mortgage or Loan
Hi, I'm 52, and my marriage has failed. I would like to move on and move out. Maybe to an apartment, or maybe to a small terraced house. Anyway, my 'wife' and I fully own our present 4 bedroom family house - the mortgage was paid up 15 years ago. She has suggested that she might want to get a mortgage in order to buy my…
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Car Finance Rejected after originally been accepted
In June i went down the local Volvo delearship to enquire about pruchasing a new vehicle on pcp as my existing agreement was coming to an end and I had notified the lender that i would be returning the existing car at the end of agreement. At the time i realsied my credit score was not good so only if the proposal for…
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HP Voluntary return - Used car, am I too late?
In April 2016 I bought a 2-year-old Seat Ibiza from
Stoneacre on 5 year HP for £8000, financed by Specialist Motor Finance ltd. The
car was 2 years old and had some considerable usage and 30k miles on the clock. In April 2019 I decided to return the car under Voluntary
Termination as I had made well over 50% of payments…
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Postgraduate living expenses - NI
Hi, I want to apply for a place on a full-time "intensive" PgDip of 2 years in which tuition fees would be funded. Living expenses have to be self-funded. They don't recommend having a part-time job due to the "intensiveness" of the course and there are no other financial resources available through university. Apart from…
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Barclays Finance Partner Settlement Figure
Hi all, Raising this on behalf of someone else so I may miss the odd bit of information out* They have a Barclays Finance Loan which is used for Windows/Doors - It was a 120month agreement which they're now around about 63 months into. The loan started around £8600 and they have around £5k left (They pay £110 PM but…
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Loans2go help - edited as hard to make sense of last post -
Hi, so I've had this problem where I can't justify paying this loan company I think it's criminal and was wondering if there was anyway to fight it, where I won't have to pay this ridiculous amount for such a small loan, so basically back in 2019 I needed a £100 loan quickly and the only one I could find that would accept…
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Partial early settlement - front loaded interest
I'm 9 months into a 5 year term on a personal loan. The interest was front loaded. I've got around 16k left on the balance and Online I've got a settlement figure of around 15k I've got 14k I can pay today. Spoken to the lender and they can't seem to be able to explain to me what my balance should be if I make that…
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HP - Voluntary Termination Query
Hello,Seeking advice on behalf of a friend who has lost their job and can no longer afford the monthly car payments.The car cost £6290 at an interest rate of 24.9% per annum over 60 months. The start of the agreement is 5th October 2018 and has made all payments on time. Last payment made 1st October 2020. The monthly…
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PCP / HP / Personal loan - how it effects a mortgage
Hey guys We are due to renew our mortgage in June next year and I'd like to take money out to do up the house. In which case I'd like to maximise what we can get from the mortgage.. My current car is on PCP and the loan finishes in January. My question is - does a lender look at a PCP / HP / Personal loan differently? I'm…
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Old Mortgage style student loan and self employment income
Hi I have an old mortgage style student loan which I have been deferring. I have income from employment which is under the repayment threshold and a small amount of self employed income from 2 sources. If I make a loss on one of these sources of income, can the gross income before the loss be used to contribute towards my…
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Car Finance - paying off HP amount early
At the beginning of this month I purchased a brand new vehicle using mostly my own money plus £5k on hire purchase over 18 months at 7%. Without the HP I could not have made the purchase. With the HP I benefited from a manufacturers deposit contribution of £1k plus two services. I am now fortunately( and unexpectedly ) in…
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Ex-partner/Loan in my address/is he still connected?
My ex-boyfriend took a loan out when he lived with me - it's my property, my mortgage, he is not on it at all, he moved in after a few months but then I kicked him out when we broke up. It wasn't a healthy relationship, long story short I ended up being the guarantor for the loan, which I am now trying to get out of (any…
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Wonga Help
I have recent discovered about the affordability claims and getting the pay day loans stricken from my credit file. Wonga has ceased trading and therefore i have missed the deadline to put a claim with with them. Currently on my credit file i have 31 wonga loans. I am not after any money from them, all i want is my credit…
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Payment hoilday default update
If you remember my old post, where I was told I could rewrite loan after 2 x 3 months payment holiday (even though I was in arrers before the holiday)the. A defualt was put on my file without notice, after payment hoilday. the outcome is good news there going remove the default allow me to rewrite both loans and send me…
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Financial Ombudsman decision & Small Claims court
Yesterday, I received a final decision from the Financial Ombudsman in that they have upheld my complaint about a short term loan I had out. Whilst I was happy that the complaint was upheld, I was disappointed with the compensation they offered. Basically, in 2019 the company took a double payment from my card which led to…
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Lending stream refund
All, Back in June I applied for a refund from lending stream and in September they emailed me a pdf letter advising my claim had been accepted and provided me with a refund amount. I was happy with the amount and clicked the link provided and confirmed my account info that they held. They told me in 28 days I would have…
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PCP - Situation has changed, what to do with spare cash
All, I need advice on a PCP car loan... A few months ago, I purchased a car through PCP. The car is a keeper - in that I want to keep the car at the end. It was a 3 year deal - 3.9%, paying £543 a month. I intended to save to make the balloon payment at the end. Now, my situation has changed. I have managed to pay off my…
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Amigo loans
Hi I believe I was mid sold a loan I can see there is a template to look into reclaim this but this link for the get started isn’t working can anyone help this loan left me in a bad way and I have now paid it but with massive impacts on my finances
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Settlement Figure - Sainsburys Bank
Hoping someone can help me - We have a loan with Sainsburys Bank which we have been trying to pay off for around 6 weeks but are unable to get them to give us a settlement figure which is very annoying as we are paying interest when we don’t need too. I’ve spoken to someone at Sainsburys this morning and they suggest…