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Difficulty trying to settle Ikano loan.
I am trying to pay off a loan from Ikano bank, but not having much luck in obtaining a final balance. I have emailed them for the information, but am told that this will take about 10 days before I can expect a reply. It seems that this is about the norm for Ikano, and there doesn't appear to be any way of talking to them.…
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drydensfairfax
Hi, I am hoping someone can give some advice please I have received a letter today from drydensfairfax saying I have been passed over to them from Arrow Global and they want £1800 from me by the 23rd September otherwise they will take me to court, I have been paying this debt of to another company for a few years and…
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SLC demanding repayment for unpaid sum caused by their own administrative error. Loan fully repaid!
I finished paying off my student loan in February 2019, or so I thought. After switching to direct debit for the final year to avoid overpayment I ended up settling up over the phone with a couple of odd payments of £44.16 and £3.77. As this seemed strange and I was keen to make sure I had really seen the back of my…
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Bounce back business loan
Last year I took out a bounce back business loan as I was a ltd company but the only employer of the company and was not receiving any other financial help during the coronavirus pandemic. I have recently become employed and therefore no longer require my ltd company. Do I still have to pay the business loan?
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Take a credit agreement that will affect my score or one that won't?
Hey I wanted to make a small credit agreement purchase (via O2) on a product. I wanted to take a 6 month agreement on the product for £30 per month, however i've seen on amazon the same product is being sold on their 5 monthly instalments plan (slightly more expensive). My question - is it better to get it via a credit…
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The end of an Interest Only mortgage?
Hello Here is my situation; - 60 years old - £200k interest only mortgage (Santander) - expires in 4 years - Home worth approx £400k - No endowment to cover So I was wondering if I did absolutely nothing at the end of the mortgage term, would Santander move to repossess the property immediately? Given my age and earnings I…
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First plus loan now Elderbridge
I hope this is the right place to ask these questions. i recently contacted Elderbridge for a redemption statement to pay off our secured loan that was transferred from First plus . The last normal statement I received said the amount owed was £18k but when it received the redemption statement it was actually £32k . I…
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Car finance and mortgage
Hi everyone, I got tied down into car finance two years ago and unfortunately at the time my credit was not great so was offered a high rate loan. I was desperate for a car as I needed it for work so accepted it. Anyway I still have three years finance at £210 but I am looking to get a mortgage next year. My last defaults…
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Section 75 Laptop out of warranty
hi all just want to double check I'm doing things right here, on 31 jan 2019 I purchased a high-end gaming laptop (just short of £2000) i barely use it as I have a high-end pc so only use the laptop when travelling I think i'd be lucky to have used it for 150 hours over the past couple of years, but that aside it…
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Personal loan after mortgage completion
I’ve recently purchased my first house, and some unexpected additional costs have come up so I’ve been looking into getting a personal loan. I’m not yet living at the property (and won’t be for a little while yet, I’m still at home with parents), and the APR and interest rate on the loan I’m mid-way through applying for…
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Natwest loan settlement figure
Can someone help. I have a natwest loan and wish to pay the settlement figure. But I want to do this without the hassle of calling. Does anyone know if I can do this through my online banking?
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Most Efficient Way of Financially Buying/Using a Car
Hi All, Im going to keep this brief and looking for some advice before I jump into anything, any help would be appreciated. I'm just about to pay off my Hire Purchase deal for my Car which I have taken out over 5 years. I would like an upgrade to a car around the 15k - 20k mark, with obviusly as low miles as possible for…
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Signed up without my consent.
I was recently looking into a loan, wanted to check interest rates etc. I ended up at loan-panel.co.uk via a link from either credit karma or totally money. I'm not sure, But they took my info including my card details for an age check. Seemed all legit and did not notice anything wrong. This was last Friday, Fast forward…
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Is this possible
Hi all looking for advice… I have not been working for past 5/6 years as I ended up caring for my mum.. she has now past away and I have been left with a house worth £330000.. I have seen a campsite and country pub for sale with a turn over of £350000 per year for £900000 .. I have a poor credit score is it possible for me…
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Trying to make a lump sum payment!!! help please
Hi All. I have a vanquis bank loan (worst thing i ever did) and i have around £2200 left. The settlement on it is £2040.00 but i have a dentist app next week that willl cost me £500. I don't want to take out any further loans etc so decided not to settle this but make a payment of £1500 and reduce the payments, and settle…
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Ratesetter loans
I was looking for loan offers and received an extremely low rate from Ratesetter 4.9 Apr for £10000 compared to other offers I received from banks like Lloyds. I had never heard of this company before and wanted to know if anyone had applied for them in the past and would you recommended it. Also, do they require proof of…
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Borrow more than I need to get lower interest rate - good idea?
I am looking to buy a second hand car for about £5000. I usually get loans etc with nationwide as I have my bank accounts and mortgage with them and get good rates usually. I have checked their loan calculator and the apr drops from 3.9% to 2.9% at £7500, which means if I borrow 5000 over 60 months at 3.9% it costs me £502…
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0% eligibility across lenders
So I’m looking to take out a 10k loan over 5 years to pay for a used car, I currently have one on finance but I’m selling it to webuyanycar. Anyway I’ve been using the eligibility calculator and I have 0% eligibility on about 80% of lenders. I earn over 30k a year and I’m 23 years old without ever missing a payment and I…
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Equity
pcarrForumite1 PostHi, I own 3 properties outright and they are all in long term tenancy, however, I would like to free up some capital for home improvements, what is the most effective and viable way to do this..?
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Paying off plan 1 student loan
I have around £3500 left to pay on my student loan and currently pay £137 a month through PAYE. I want to pay this final amount off. How is the best way to go about this so I don't end up making another payment through my salary the following month? Can I do this online or do I have to ring someone? Many thanks
