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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…
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Business Funding
Applying for a business loan as a small film production company to cover production costs , I opened a business account with my bank and now everything is in limbo as the funds are bouncing around to do with fraud laws and credit rating so feeling confused
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Pay off PCP with loan
Good afternoon. I hoping for some guidance. I have a car on PCP (69 plate car) until November 2025. I currently pay £114 a month and the final payment will be £10,322 whether that is I give the car back, trade it in or buy it. I think the APR is 11 or 12% From now until then I will pay £1,254 in monthly payments i can…
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Right To Withdraw
Hi guys anyone have any idea how this would work on a "loan top up"? For example if you had a £600 left to pay and they offered you an additional £500, this would settle existing loan and you would receive £500 and new balance would be £1100 etc. You have 14 days to withdraw from agreement and must then pay any funds back…
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Is this a scam?
Hello. I’m a newb just looking into the forum after hearing/reading lots of positive feedback and needing some guidance on behalf my geriatric parents. Who many years ago did an equity release. All good and done and dusted with the loan paid back after a downsize (again years ago). Fast forward to yesterday when my poor…
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Cancelled credit agreement for warranty
Hi, I recently cancelled a credit agreement for a car warranty I had. I was making the payments via a 3rd party agency (let’s name them Peter) to an extended warranty company (let’s name them Toby) I (partially unintentionally) cancelled my credit agreement with Peter after making 10/12 payments. They then said I no longer…
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Audi Q4 eTron Sensor Issue - Who is at fault?
I bought a Q4 ETron from Audi Brighton on PCP and car did not have front sensor. Dealership retrofitted it for me before purchase. All was well for 1.5 yr till a software error came in car and I had to take it to my nearest dealership (Reading Audi). Car is still in warranty so Reading Audi started a series of software…
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Mortgage applications
Hi there going through mortgage application all going well have been asked to clear some small outstanding debts and 1 M&S loan of £9,900. the others are fine all cleared and sorted. can anybody help me please if I am going through a morgage application I have deposit £14,000 fine but need to pay the £9,900 off. can my…
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Fixed interest
I posted a reply to a thread on this section and a reply to my reply suggested I am misunderstood when it comes to fixed interest. I've attached a screenshot of my account. You can see in the transaction history that "Fixed Interest" was added when the loan was taken out. Please could you guys help me understand what to…
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Barclays Partner Finance iPhone hassle
I have recently had a very unsatisfactory experience while
attempting to buy a new iPhone in store from Apple using Barclays Partner
Finance. My situation led to me making two applications for finance,
the first being accepted, and the second declined. Having dropped and smashed my iPhone, rather than pursue a
lengthy…
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Personal loan to buy a canal boat
Hi, I am looking for some advice. I have just completed my Masters and got a job lined up starting end of February. I am relocating and looking to buy a canal boat to live on so need a loan of £50,000 to do so. My bank does not do personal loans. Any bank / building society I have contacted cannot offer me a loan until I…
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Loan Settlement Question
I'm looking to settle a loan with Admiral, whats the best way to go about this to reduce the amount of interest I am paying. For context the loan amount is £11,685 the settlement figure is £10,432 this includes an 58 day interest charge of £137. 2 questions: 1. Is there a smarter way to pay off this loan than using the…
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Paypal payment in 3? Don't be fooled!
Hi, I was trying to purchased VR for my son through Argos. There is a choice how do you pay for it. Card, Paypal payment in 3 (interest free), Apple Pay. I have decided that I would like to split payments in 3 because is over £500 and interest free. I have Paypal account for years with £3600 Paypal credit limit that I…
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Due to pay off PCP this year, but mileage significantly lower than agreement?
Our PCP agreement was taken out on a mileage of 10,000 miles per year as we were unsure of commuting days when we started, however we're now in the fourth year and due to pay off in about 5 months and we haven't even done 10,000 miles in total over the 4 year period. We intend to keep the car at the end of the agreement My…
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Finance Dispute
Hi, I took out finance for a carpet last year with Tapi Carpets. There were many issues from the get go but to cut a long story short, when placing the order the carpet was in the warehouse within a few days, it was only when i chase it 12 weeks later that they claimed it has been in and they emailed me confirmation which…
