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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…
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Car finance (option to purchase)
Hi, first time posting sorry if it’s long winded. in August I had a car on finance and needed rid of it and chose to part ex. I used trade centre… wish I hadn’t but it was desperate times. My grandfather was on end of life care at home, I was helping to care for him but I’m also a mum. I was taking my children to school…
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Repaying loan early
Hi and happy new year to all. We have an unsecured personal loan with around 4 years left to pay. Recently came into a small sum which would enable us to pay this off in full. Is it right that we should leave a small amount on there to avoid early repayment charges? And if so, presumably there’s a minimum you have to pay…
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PCP refused as won’t use Open Banking
Hi, BMW finance has turned wife down as she won’t give permission for Open Banking. document says use link to sign up or provide last three bank statements, which we have done. response has come back as there is not an affordable issue but an identity one. We’ve offered to supply any information they require but this is…
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Can I apply for two loans at once?
Would applying for two loans at the same time, in case one of them doesn't accept me, affect my credit score and chance of being offered one of them? I've checked my eligibility and have a good chance of being accepted, and have a very good credit score. Also I'd like the option of choosing between two interest rates if…
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Personal loan in someones name.
Can a dealership take out a personal loan in somoenes name through vehicle finance to cover negative equity in a vehicle trade in deal without advising there is a personal loan.
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Provident Claim Portal
I have been gong through the Provident Claim Portal to try and claim back some money for my Mum. I received an email today which says 'Your estimated Total Compensation Value is: £144.66 to £217.00.
This is calculated as £3616.59 x 4 to 6 pence in the pound = £144.66 to £217.00. This seems a very small amount. Also there…
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Dualogi fixed sum sold to NCO Europe - early settlement
My fixed sum loan agreement with Dualogi was sold to NCO Europe. The loan agreement is up to date with no missed payments. I requested an early settlement from NCO and they have given me an amount but have said that this will show as a "partial settlement" on my credit report. Is this something they can do? It's not as if…
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Paying loans when off sick
Is there a template letter/email available, to send to creditors to ask for a 'grace' period when off sick (following an operation) for a few weeks?
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Unemployed loan with Santander
I just applied for a loan online with Santander I’m unemployed but on disability benefits and have good credit history. Will I be accepted? Or do all banks refuse on unemployment?? any one had any luck?
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Should I let bank know I'm receiving funds
I have roughly 12.5k debt my friend is lending me money until end of January when I get my inheritance. Should I explain to the bank and ask them how long they will hold the funds for inspection. I will pay paying him back straight away when I receive it. Or should I say nothing. I have the loan agreement and creditor…
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Settleing car finance early - Any claw back to the dealer?
Hi Guys, I bought a car on finance with MotoNovo from an independent dealer three weeks ago. Since then, I have found myself in the position to clear the finance. My question is, will the dealer lose his 'Introduction/commission fee', which is £750 according to the paperwork I signed during the sale? Sorry, I can't…
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Tesco loan
Hi all Im considering taking out a Tesco loan for £20k for new car purchase @ 6.1% and am just looking at 5 or 10 year options. I am going to be paying off the loan within 6 months as just awaiting probate going through. My question is I’ve never taking out a loan before but would I be better off taking 10 year option with…
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Car written off, on finance, no insurance payout
A member of my family has written off his car and the insurance will not payout. What are the options?
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Aviva - Lifetime Mortgage
My elderly mum took out a small (£20000) lifetime mortgage with Aviva, the strategy was to pay the interest so it didn't accrue. I have the LPA (finance & Property) which is lodged with Aviva. Yesterday I tried over the phone to pay £500.00 from my account to clear the accrued interest, which I had done previously, but…
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Provident Claim Portal
Hi has anyone been able to log into portal or have received their refund. Was advised end of last year I'm sure would receive payment from portal in last quarter of 2024. I can't get logged into portal now and not received anything yet. Has anyone had any success? Thx
