-
Withdraw from PCP within 14 days
I'm just about to order a new car but want to take account of the manufacturer PCP incentive. If I want to withdraw from the finance within 14 days when does the 14 days start? I'm signing the finance agreement now but the car doesn't arrive for 20 weeks (factory order). Does it start when I sign or when I get the money…
-
Early repayment of loan due to death
My mother in law has recently passed away. I'm currently organising probate and calculating assets and debts. My mother in law had a loan which she was about 3 years through a 5 year repayment period. The value of the loan is £6,600 now, will that be the settlement figure or will the bank add on the interest that would…
-
Have you had success reclaiming from a mis-sold payday loan?
In 2018 MSE published the guide: Reclaim payday & other short-term bad credit loans: Get £100s or £1,000s back for mis-selling without using a claims firm Have you managed to make a successful claim against a payday loan company? I'd like to hear your stories.
-
How to put all deb on one ?
Hello, for several days I have been looking for a solution to combine all my debits into one. I have been paying off 2 credit cards + 2 loans for 6 months and have had no delays. I have previously repaid 2 loans on time without any debt, I have never had a late penalty and I cannot find loan debit consolidation anywhere.…
-
Short term loan puzzle
Situation: We own family house approx £350k Mortgage of £20k We have £470k cash We want to buy a new house for £530k (including fees, stamp duty etc), but only cash offers are being accepted. We need £60k. We are having house valued now for sale. Is in area that will sell quickly, but we will not be able to use that…
-
Problem returning end of lease car
Hi hopefully someone will be able to advise: have had a Renault Captur on PCH through Renault Finance since July 2020. Decided to return early so paid fees on March 12 to terminate lease. Unfortunately car had at this point developed an intermittent electronic fault traced to its EPB by the dealer. They have tried now on 3…
-
Getting in Best Position for 0% deal
I'm looking to buy some furniture later this year and there is a 0% finance deal offer. Even if I have the cash, I usually go this route to earn interest on the money in the meantime. But I have quite a lot of credit at the moment, and I'm wondering what I might do to put myself in the best position to take out this deal.…
-
Early repayment
I have recently taken out a loan for £7500 but have the funds to clear it. The lender is asking for £12000 to clear the debt even though I only took it out 2 months ago. Does this sound correct?
-
Car Financed for Ex
Please can someone advise me. I stupidly got a car on finance for my now ex, due to him having bad credit. The finance is in my name but he is the registered keeper. He has paid for the car for the past few years but has not sent the most recent payment. If he does not pay, where do I stand? I don't have the finances to…
-
paying off PCP early
Hi, I've recently entered into a PCP arrangement for a car. Its with VW finance and am now in position to pay the full amount and end the agreement. I am still within the cool off period of 14 days. Yes I know I should not have entered in this agreement...but I did. If I did pay the full amount owed will I lose the benefit…
-
Still no payment
Thought amigo was meant to pay us out. I’ve still not had anything. Has anyone else
-
Taking out a loan for wedding
To cut to the chase, I have totalled everything up for our wedding including the honeymoon and spending money. I have deducted what we have saved so far and a conservative estimate of what we can save between now and June. This leaves us looking at a loan of £10,000. Equifax score is 1000/1000 Trans Union is 616/710 - Good…
-
Credit report
Hi, I have just downloaded Check my file which shows all the credit reference agencies so I could make a note of all my creditors details before I tackle my debts. I have a loan with AA and it isnt showing anywhere on my any of my credit reports. Does this mean they never done a credit check when I applied? Thanks for any…
-
Amigo Scheme payments?
Just curious, with the Amigo Scheme suggesting payments will start going out toward end of Feb, has anyone started to receive their refunds?
-
Car finance bereavement
Hello all, My dad recently died and I'm the executor of the will. He owned his house with his partner (they weren't married), she owns the other half and I've inherited my dad's share. He wanted to leave his share to me. The only debt he has is a car on finance which is only a couple of years old. I've sent back the car…
-
Warning about AA Loan Early Repayment
4 years ago I took out an AA Loan over 5 years (through this site). Recently I asked for a settlement quote as I had some spare money to pay off the loan early. I was surprised to get a settlement quote that didn't give any interest rebate for early repayment. When I contacted them about it I was informed that they load…
-
PAY DAY LOAN RECLAIM (GUARANTOR DEATH)
HI, i am currently trying to reclaim a miss sold loan from amigo. i started this in February 2021 and its bee a long process, i am due back a substantial amount. the problem that has risen is that it was a guarantor loan and at the time my guarantor (father) paid back the loan and i paid it back to him as he wanted to know…
-
PCP - Affordability - Credit Check
I am getting a car on PCP (This is not a discussion on PCP's) I will have a £14k deposit when I sell my car - The PCP will be costing about £350 per month. If I decided keep some or a lot of the deposit (I know, more interest but comfort blanket) the monthlies would them be about £650. I know I can afford both and I have a…
-
Halifax Loan
Hello, I have recently taken out an Halifax loan and setup payment via my Halifax account. Is it possible to change the direct debit to a different account with another bank or setup standing order to pay? Thanks
-
PCP Deal but no monthly payments ever taken
Hi, In January 2022 I purchased a small van for £17k, put down a £2k deposit and took out a 3 year PCP deal. In June 2022 I received an email from the dealership where I bought the van stating that they had completed the finance forms incorrectly and would I mind printing the documents off, signing them and returning them.…