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barclays bounce back loan help
my husband took out a bbl during covid as a sole trader. we have been paying the loan back, although my husband stopped working jan 24 as he has cancer.so there is no business anymore. I have been helping with the repayments but now i have to give up work to become his carer. we will be on UC in 4 weeks time. Is there…
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Help - personal loan & financial hardship
Hi - I just wanted some advice really as I’ve never been in this position before. So I’ve had a personal loan for a few years now, there’s around £7,700 remaining and in approximately May 2024 my loan repayments were reduced due to me only working part time following having a baby. This was reassessed again in November…
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Private loan interest rate
Hello, One friend made a private loan to another a couple of months back. They agreed for it to be interested free if it was paid back by 31st January. They signed a very basic agreement which they drafted with help of ChatGTP. The agreement included: Any outstanding balance to the loan remaining after 31st January 2025,…
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purchase a car which is best loan with low rate
a friend just passed her driving test and want get a car but not new one and want to know which best loan via car dealership or bank or building society and is this how long take the loan
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Arrangement fee refund
If I paid the arrange fee for a mortgage but then do not take the mortgage out should I get a refund on the fee? I can’t find terms and conditions surrounding it on the NatWest website
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Cost more to settle loan early than pay over remaining period??
Hi everyone Hoping someone can provide me some advice. My husband has a loan with Sainsbury's Bank which we have a couple of years left on and and were looking to settle it early. On calling Sainsbury's, they stated that the remaining value on the loan was £17,799.52, and the final settlement figure is £18,192.14, meaning…
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Early Repayment Question
Not quite a loan question but many years ago my husband and I owned a company that went under owing an £18000 guarantee to Nat West Bank (it was our agreed overdraft). I have paid back £100 a month since then. The £100 is paid to a company called Drydens and only one payment has ever been missed, that was years ago. Twice…
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Loan against our existing mortgage
We took a loan against our mortgage which is a 2nd charge. We're struggling to pay now. Can we add the outstanding amount to the mortgage so in the event of sale or demise it is paid off. Would appreciate a reply from people who've experienced this. Thanks in advance
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Unsatisfied service received via 3rd party finance
I was made redundant about a year and a half and to get back to a role, I have been trying to upskill myself. I enrolled a IT training provider in last year May for a 2 weeks course with intership and placement assistance. I chose this place as this has offered the training and work experience for UK and not taken it from…
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BNPl with ao.com
Hi there everyone I'm at my lowest point of life I purchased a Samsung s24 from ao.com and they sent me a wrong phone I took pictures of the iPhone 15 they sent I got it on BNPL they are insisting they sent the correct phone they won't refund the finance company newday finance company until they receive the phone back…
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M&S loan overpayment query
Hi all, Can anyone with experience of M&S bank or industry norms explain whether the following is expected: Took out a 10k loan for a car from M&S bank at 6.2%, total circa 11,100 hit my credit score, ie all capital + interest that would be charged. I've overpaid 5,000 back from savings on mid November before the first…
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Unable to get credit of any sort from Barclays only
Hi. Slightly odd one this and not sure if anyone can help me. My credit file is almost spotless, I have quite a lot of credit but have never missed a credit payment. I did miss a water bill 4 years ago though so have 1 missed payment there. I have no problems getting credit from anyone except Barclays. I used to be self…
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Pension loan
Advice needed. I am public servant on a defined benefit pension. I plan to retire in 4 years time when I reach state pension age. I have paid off my mortgage. I want to borrow £72k against my pension lump sum. I intend to make monthly payments of £500, and pay off the balance when I retire. Is there such a product on the…
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I need help to borrow £15000 with no monthly payments. Pay back when house is sold
Is it possible to borrow £15000 for approximately 6 months until house is sold, with no monthly payments. I spent 2.5 hours on Halifax chat and finally got offered a minimum of £25000 mortgage. The words 'sledgehammer to crack a nut' spring to mind. Can anyone give me some advice please?
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Letter demanding money from OPOS(Capquest)
I have received a letter from OPOS about a credit card which I never had. They have bought the debt from the creditor. Can somebody provide a link to a Provit letter?
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How to avoid the 58 days interest being added to the early settlement of a loan???
So in May of this year I took a loan from Admiral for £8000 over 4 years 16.3APR £223 per month payments. Since then my credit file has improved and I can get loan at much more reasonable rate. I would like to pay off the remaining Admiral loan by using a lower interest loan of £7500. I could reduce my interest payments by…
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debt collection letters
Hi I have just received 3 letters from a debt collector called verifi in regards to a loan I had over 23/25 years ago.l, Iv not spoken or received any letters from them in over 20 years. This gets a little confusing so bear with me, the letters are coming through in a surname i used 20 years ago. Now I did use this name as…
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Skye Loans
I am looking for contact details of the company Skye loans which took over loans from Blackhorse in 2015. I am currently trying to sell my house. My solicitor contacted me because when she checked the Land Registry, Skye loans was still secured to my house. We had taken a loan from Blackhorse which was taken over by Skye…
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Best Friend Loan for Mortgage
I have recently been paid a significant life changing amount of money and now planning how to invest for the future. In doing this I feel like I would like those around me to benefit and one idea is to help a friend reduce his monthly mortgage payments by gifting him the remaining amount on his mortgage circa £150k and him…
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Interest On Death
A friend has been recently widowed at a young age and is trying to deal with an outstanding motor finance agreement for her deceased husband. The settlement figure has recently increased by £1000 - approximately £400 for missed instalments plus a penalty! I was under the impression that interest automatically froze at the…
