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barclays bank ppi
having looked at our loan found out that we paid £14000 for our insurance started the long process of trying to claim back i.e did not understand that the ppi was only for 5 years (stupidity i know) the bank have dragged their heels and i have had to ring them twice to found out what is happening surprise surprise they…
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Loan Problem high rate!!
Hello people Here we go............... i have HSBC loan for £5050.30 with 25 months left on it. I currently pay 8.9% on it. I dont own a home so cant get a secured loan. Now how can i reduce this rate?? Get another loan at lower rate?? or get another credit card with low interest for life, but i m not sure if I can do a…
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citi-financial
hi we took out a loan with citi financial in july 06. we were told that after 4 months payments we could apply for a refinance and then the apr would be reduced as long as we kept payments up. now 1 year later we are still waiting, i have phoned and asked them. when 4 months came i rang them and was told no its 6 months.…
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Loan without PPI?
My partner has been turned down for a couple of loans. We have checked his credit history and there is nothing untoward except for the fact we have moved house twice in the last couple of years. We think he might have been turned down because he refused to take out PPI. He was intending to sort out his own PPI. Both…
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Best loan for a single mum?
Hiya everyone, My 24 year old sister, who is a single mum, needs a loan to pay off her £2300 overdraft with Barclays. She has just found out that the interest on the first £250 is 9.9% but on the rest it is 24.9% :eek: . Barclays themselves have offered her a loan rate of 19.9% with payments of £105 per month. My sister…
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PPI on 100k
Hi all - have taken a loan of 100k with 23k ppi (yes i am stupid). I explained that I would probably be able to pay 80k off within the first year of the loan and the guy said it would still be better to take it as I could pay 80k off the loan then in 5 years when I get a 23k rebate on the ppi use this to clear the loan. My…
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Bank changed me from visa to M/card PPI
Hi there About 12 months ago my bank changed my credit card from a Gold visa to a Premier mastercard as my bank account was upgraded. My old card had PPI and so does my new card. Surely as the new card was a new product i should have been required to complete and sign new documents for the PPI. To be honest i wasnt asked…
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my car
I have recently posted on another forum here about my money worries.Me and my husband are slowly working through them and have cut back on quite a considerable amount.however, i bought a car in june 07.A Peugeot 307 reg plate 06.i am currently paying £256 a month to blackhorse finance for the car.the overall total over 5…
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dfs ge money loan ppi plus insurance
hi i have been going through some old paperwork as we are sorting our finances out and i discovered that when i had bought my sofas from dfs i had also purchased ppi at a cost of £200. when we bought the sofas there was no mention of ppi and we were just handed the agrement to sign while signing we were drawn to the…
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credit searches!
After being fed up with the whole loan app process and finally being declined by my own Bank i decided with their advice to wait a few months before re applying to them. I have no idea why i was refused but 4 credit searches don't help do they! I went for 2 brokers before i knew how rubbish they are and found companiens…
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PPI Claim with Egg Where do I stand ??
Hi I put a claim into egg against my loan and my credit card. I fell ill in 2003 and tried to make a claim on both insurances, but was refused payout due to what they classed as being a pre exsisting medical condition, I had suffered PND in 1998, so they have jumped on the bandwagon that as i suffered a depression then…
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I Am Not In The Country!!
Hello!! I don't want to get too excited before I even send off my letter, but I've just been reading through the terms of my loan insurance and found under the section about existing medical conditions (which I was hoping would be my gaping loop hole), I found that the policy did not cover: "any event which occurs whilst…
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£1000 loan required for person with not the best credit rating
Hi there fellow moneysavers. I have had a bit of a calamity at home with the boiler packing in due to part of the ceiling collapsing due to damp. Suffice to say, this needs to be rectified ASAP. I need around £1000 but my credit record in the past isn't what you could call spotless. Would you be able to advise a decent…
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Joint and several loans in an IVA
We have a joint and several bank loan which I took out in support of my business. My wife, although not involved in the business is the co-signatory. My business collapsed and I entered an IVA. This IVA has now been settled with all creditors. The bank will now pursue my wife. What proportion of this loan can they pursue…
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Ppi's
I want to reclaim my ppi that i had on a personal loan 3 years ago as i wasn't told that it was optional. It was the bank manager that actually sorted the loan out for me. When she printed off the agreement for me to sign, there it was, she just mentioned that this was payment protection. Not that it was optional or…
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Car Loan For An 18yr Old
Hi there money savers! Long version: I'm an 18yr old looking to buy a new car. I will get £3,000 for my current car, and need another £3,000. I would like to pay this off over 3 years/36 months. I have had 1 credit card for 2 months, which I always pay off in full. I do not have any other financial commitments (overdraft…
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20 yr old daughter needs loan
She is going back to college to get her level 3 qual in Beauty Therapy as can't seem to get a job with level 2 only. Hated her college so wants to go to one some distance away. Plan is to do an intensive driving course, buy a cheap car and pay college fees with a loan, about £2.5K. She could carry on with her part time job…
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Citifinancial Or Black Horse
As per my previous post i am looking at applying for a loan with a bad credit history and have decided to stay clear of the cowboy companies such as Yes Loans and Welcome Finance in favour of some more reputable companies. My dad took out a loan on my behalf with Citifinancial a couple of years ago. He is listed as the…
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address to send ppi letter to?
Mine is with Lloyds, do I just send the letter to my local branch or is there a particular address I should send to so my letter gets there straight away? Thanks x
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london scottish
hi were nearly in the completion stages of our loan with london scottish has anybody had any dealings with them, good/bad???????