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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
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Waiting on Insurers to do their thing!
My car died a death in a flood two weeks ago. Rang thenunsurers whilst I waited for RAC rescue-they told me they would reimburse me the hotel and recovery lorry costs and to send invoices in. They said they would get my car looked at and start the process of fixing or sending out a cheque. Two days later someone from their…
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Best course of action for paying off the rest of this Loan
Good day, MSE Hoping to get some opinions on what to do next. I took out a Te$co Loan of £20,000 (£23,959 including interest) @5.2% over 7 years. Monthly direct debit is £285. I let the loan payments run their course for about a year. Then earlier this year I had my financial light bulb moment and started overpaying so I…
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Klarna intrest?
Hello, this is my first time posting here.I'm just wondering if anyone had advice or opinions on the situation that I'm currently facing. I took out a contract with klana to purchase a Samsung phone, this was a four-year fixed term, interest free agreement, where I should be coming up to my final payment soon. I logged…
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HSBC loan one-off overpayment not being calculated
I have a HSBC loan over 60 months. In October I made a one-off overpayment by bank transfer as instructed by their online support chat.I expected in my banking app I would be able to log in and see that the number of monthly payments left to be reduced — but this is not the case. If I divide the number of monthly payments…
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car purchase not new one best way
Hi This on behalf of my x as she just passed her test and looking for purchase a car Would be cheaper to take a loan out once you now price or take on monthly basis payment for the car in question Hope the question makes sense please advise if need any further info
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Secured loan arrears
Hi, new here,I have a secured loan with arrears, that's just been passed from mars capital to intrum mortgages, as I say have arrears £11,000,have had a payment plan in place, been paying £380pm, recently did a payment review that was agreed, now I've had notice from intrum that the term for this loan ended in 2019 and the…
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Applying for car loan before clearing PCP
I have done the MSE loan eligibility calculator for a car loan of 15k which says I am guaranteed the rate. I currently have PCP on a car which is about to be returned and the pcp cleared. Will it make any difference if I apply for the loan now? Or should I wait until the PCP is cleared? Even if it gets cleared i will need…
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Getcred new loan/credit card company mt
Basically there’s this company called getcred offering mt and credit card up to 10k credit- I was wondering about consolidating- 19% interest but on the application it said it’s made me an account and is giving credit line accounts to people each month and I should wait my turn until a spot comes up/ it’s in the App Store…
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PCP Car Finance
Hi All, First time poster but hoping someone could help answer my question. I have PCP car payment on a car with 35 payments left at 11.9% and a final payment of around £8k in 35 Months I have been looking at saving some interest and can get a personal loan around 6% so I was thinking if it is possible for me to just pay…
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Debt Collector and CCJ
Hi all, I have received an email from a creditor to advise that they have passed the debt to a collection agency. They don't have my current address, so I assume they will be sending letters to an old address. I don't know if they will email me if there is no response to any letters. I am wondering, is there a given length…
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PCP final payment - high depreciation - negotiation
Folks - Got a car on PCP. It has depreciated like a stone, to the extent it will be worth far less than the Guaranteed Final Value (GFV) by PCP end. I love the car and would like to buy it, but not at the GFV. as I would lose 000s when I walked out of the door. If I hand it back the finance/dealership take the ALL pain of…
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Loan disappeared!
Hi, strange one this. I took out a 17.5k Post Office unsecured loan for home improvements in sept 2019, over 6 year period, so due for loan completion in sept 2025.I have just noticed that the last payment taken by direct debit was Jan 2023, though the DD is still open. Ive never defaulted on a payment DD request.On…
