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loan for depoist for car
Hi I need around £3k for depoist on a car to keep monthly repayments on car low what is best idea credit card or loan
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In loan application limbo
Hi all, My mum and I have purchased a property (co-owners). We're having a renovation done and although not ideal, we (well, I) may need to look into getting a loan at some point. A bit more info: * We're not currently living in the property (it's unoccupied) * We're currently renting a place we've lived at for 17+ years I…
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Secured loan
Hi everyone. My wife and I have paid our mortgage off and own our home. We are planning to separate and she will remain in the house and we have no intention of selling it. I am looking to take a secured loan out against the house, now while I understand she will have to agree to this as the deeds are in both names, my…
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Hire Purchase Car Loan Advice
Hello all, long time observer first time poster. In April 2025 I will be one year into a five year Hire Purchase car loan. I will be in negative equity of £3000. My grandparent has gifted me £4000 to get a new car. I bought the one I have now in a bit of an emergency due to my 2011 Citroen's engine failing and was…
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Debt consolidation query
Hi so I have three debts, loan, credit and credit card. Approx 25k. Martin has advised pick the highest interest rate and pat extra on that one first. So does it make a difference if I pay extra every month or if I save the extra and pay a 3 month saving in bulk every 3 months? I looked for consolidation loans and found…
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If Swift Advances have bought Welcome finance secured loans ?
If Swift Advances have bought Welcome finance secured loans are they responcable if welcome gave me a loan that was iresponsable borrowing (ie) 12k loan to a unemployed person that had a 133000k mortagage already and had to get the secured loan to pay the mortagage on income support paying intrest of 700 and 700 to…
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Unsure whether to consolidate - please advise
Hello everyone, First of all, I can't believe I still remembered my username and password. It's quite a while since I've logged into MSE! Anyway, here are the facts. I currently have three debts I am paying off 1) £5727.54 loan(started at £11k)with Zopa @ 4.8% - I pay £230pm 2) £7568.74 loan(started at £12k in 07/2014)with…
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Morses club claims
Good afternoon, I'm hoping someone knows what actually happened with this scheme. I was told to expect some money in September this year but the scheme has all but disappeared, neither the phone number or portal works. There is a page full of information but I do not understand it, as far as I knew it was all sorted last…
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Fraud please help
Hello! I received a letter last week from Barclays partner finance saying that I had taken out a loan for an apple I phone. I haven't and in fact own nothing from apple. It looks like this is fraud and someone has my details including my bank details. A direct debit was set up. So I cancelled the direct debit, changed…
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HP Car Loan Advice Credit Rating
Sorry. I am struggling to comment on my previous thread and decided to create a new one with the needed extra information: Hello all, long time observer first time poster. In April 2025 I will be one year into a five year Hire Purchase car loan. I will be in negative equity of £3000. My grandparent has gifted me £4000 to…
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Mis-sold finance. Still in shock.
Hello Two years ago, I jointly inherited a house. I took out a relatively small loan of just over half the house value in order to buy out my sister's half and to release a small £ for my business. I was quite happy with the overall cost, bearing in mind it was a secured loan against the property. However, after nearly 8…
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Section 75 claim on a loan: timeframes?
Filed a S75 claim with the loan provider last week (Novuna, prev. known as Hitachi Capital), as the goods/service provided by British Gas were not done as agreed. Novuna were BG's loan company, hence me filing my S75 claim with them for BG not supplying the goods/service as I agreed with them. Q: Is there a maximum…
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Daughter has taken out a Contract Purchase Finance Agreement with BMW
Sadly my 19 year old daughter has taken out a Contract Purchase Agreement with BMW. I have just seen the details! If any one has any insight it would be much appreciated the details are:- Amount of Credit in Feb 2024 was £14000 Her statement is now Feb 2025 nearly £18,500 She is making the agreed monthly payments of £205.…
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Heliodor loan increase by £200 a month
Hello - first time poster... In 2007 I bought a house and had a loan for 25k secured on it for renovation work. Mortgage and Loan both from Northern Rock/NRAM/Heliodor/Topaz whatever they are called this week. When I moved house in 2019 I had to take the loan with me. It increased from around £114 a month to £330+ per…
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Refused Loan
I have applied for an interest free loan. My application was refused by Barclays. When I contacted the relevant department the service agent was unable (or perhaps unwilling?) to give me the reason for refusal. He said it was NOT age related. Am I not entitled to know the reason for refusal?
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House renovation loan
Hi all. I have a question regarding getting a loan to help out with my mother's house renovation. I have lived in the UK for 10 years and my mother lives back home in Poland. I am just wondering if the bank could lend me money if I do not own the house myself and the house is abroad. Has anyone ever been in a similar…
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Comparethemarket gave me a wrong loan amount and interest
Hi, I wonder if anyone else has had this situation - When using Compare the Market they gave me a loan amount and I took up that loan, I have received a letter stating there was a technical fault with the website and they didn't display the preferable amount and rate at the time. They have offered to pay me a lump sum for…
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Firstplus / Elderbridge
Hello I am looking to reach out to anyone that "had" or still 'has" a Firstplus now Elderbridge loan agreement , that was affected by the alleged fixing of interest that took place in the past .Please let me know what action , (if any) you decided to take and how the lender reacted ?
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Faulty Caravan - Finance Company Ignoring Ombudsman
Hoping someone can help with the below nightmare I am having which just seems to be getting worse. Background: In Summer 2023, I bought a caravan from a dealer. I used this caravan a few times before the end of the season, and parked it up for the winter. It was purchased from a dealer I believed to be reputable, with a…
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Car finance
I have 10 months to pay on a car loan but the engine has blown. Can I hand the car back?
