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Lending Stream refund
Hi guys My wife has just received a payment into her bank account described as "Lending Stream LLC" She did have a loan from them some time ago but paid it off a while back. She has not initiated any refund claims. Is this likely to be an unsolicited refund or an unsolicited further loan ?.
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Why won't car dealers accept third party finance?
As the title says, obviously it means they don't get a cut, but is there another reason? Also does anyone know of any big known dealers who do please?
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Car Loan
I am looking to get a new car soon, would like to take out a personal loan. My last car I took out i took out a finance deal with Mazda for 5 years which I have almost finished paying, probably paid a lot of interest. Was thinking of about £16,000, advise needed please. Regards, Garcon.
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Santander or Barclays
I’m wanting to get a 10k loan for home improvements. I bank with both Barclays and Santander. I’ve had a loan with Barclays before and like the the app tells you the rate your going to get before you apply. In this case it’s 4.3%. should I try applying for a Santander loan and risk not getting the 3% rate or just go…
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Using my Pension to buy a business
Hi all. First time on here. My Wife is thinking of buying an ice cream van business, and I was wondering if she could use her or my pension pot? The value of the business is 20k including the van and good will. If I use my pension then I would have to take it as non tax free, and as an income, but would the 20k then be…
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Voluntary Termination Frustrations
I did as much research as I could before we VT'd our car and tried to do everything right. We'd paid back more than half of the total amount payable, I sent the letter recorded delivery and got a delivery signature from the Royal Mail website. I anticipated being charged for the excess mileage. What I didn't expect was for…
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I need £1500 this week.
Hi, Sorry for the rather exaggerated title, its not quite a life or death situation. I have just agreed a sale on my every day car and now need to buy my next car as i am without an every day car. Im short from the car id like to buy by £1500. I am looking to borrow £1500 and i have until Thursday off work to go car…
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Unexplained refund
Hi i had a loan with sainsburys bank in 2010 for £10,000. I never missed a payment and finished paying it odf years ago. Randomly in january i recieved a letter off sainsburys bank stating that they should have managed my account better and taken my circumstances into account at the time and they were refunding the…
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Loan payment holiday complete
I have a loan with nationwide, I am employed and have a regular income but my partner is self employed and has had a reduced income due to coronavirus. We have taken a total of 6 months holiday in 2 separate chunks. My current holiday has just finished abs now it appears that nationwide aren’t prepared to lend me to full…
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Car finance - trying to charge me for "refurbishment"
Hi All Hope someone could help. So.... I handed my car back to the finance company under voluntary termination because I had paid 60% of my loan back so I was within my rights to do this. They sent someone to assess the car and they logged ever scratch or small dent I received a bill which had been marked by the chap who…
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PSA Finance - Voluntary Termination - Car
Hi - we have paid half of the full amount of our car agreement, including the balloon payment. I believe this means we can voluntarily terminate the agreement and hand the car back. Our circumstances have changed and we no longer need a second car. Should we call or write to them and does anyone have any advice on how to…
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Loan
Secured loan versus personal loan.
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Mis sold secured loan
When I was married I was asked to help the then mother in law with a loan secured against her House. When I divorced I couldn’t afford the repayments on my own and the house was repossessed at a deficit and I was told that I had to pay the deficit off as I was on the loan agreement. I made an agreement of £15 per month…
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Company reviews
I was wondering if anyone controlling then for example George Banco have excellent star rate but when we actually read every single comment it's 1 star one after another .
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George Banco Ltd Guarantor
Hi I was wondering if anyone had any problems with this company .I am trying to appeal from being a guarantor and waiting for FOS decision .
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time barred debt
my brother died and i became the executor of his money i got a letter to pay a debt not knowing my brothers finances i paid it but now have found out the debt has not been chased for over 6 years he has no ccj as i have checked could i get the money back thanks andy
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Bounce back loans
I applied for a new business bank account last autumn and was told by the bank that they were so busy with bounce back loans that they were no longer opening new accounts.Can you confirm if the banks were paid a commission by the govt to organise bounce back loans.
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FOS reply
Hello year ago I have sent complaint still haven't heard anything from FOS,once I called and I was told my case is waiting in the que to be allocated to a handled .When I send emails no reply whatsoever and no update since .I am not sure what to do .
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Fourteen day cooling off period
Hi i recently purchased And picked up a new car using an HP agreement from the bank. When I spoke to my dad he said he would have given me the loan interest free so I’m wondering if I can repay the finance without any interest charges as I’m still within the fourteen day period.
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Advantage Finance - Direct debit fee
Good Morning, wondering if there is any advice as I’m a little confused.. So I got a car on finance with advantage the direct debit was set up for the 28th of each month - never missed a payment - I then had to give up my job in 2019 due to my daughter being disabled - I called Advantage to say that I would need to amend…
