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RBS Grad Loan Problem
Hi all I have been called by my bank saying that i need to sign a new loan agreement as there is a prob with my graduate loan in that the limit is reducing faster than my outstanding balance (meaning in effect my loan would not be repaid in full within the period), so my account looks as though it is in arrears even thoug…
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my ppi
I sent in a claim for my ltsb credit card on 29th oct and have recieved a letter back dated 31st oct. The contents read ...... I am sorry that you have had cause to complain. Thank you for bringing your concerns to my attention. I have arranged for a member of my customer service recovery team to carry out an immediate…
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Advice needed about car loan?
Hi everyone, This is my very first post, although have been using MSE to try and get finances from red to black, it working v slowly! I took out a loan for car a year ago over 5 years at 14.1%APR. I wanted to pay a bit extra towards it but the company said it wasn't their policy to allow that but they did accept early…
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ppi & the aftermath
i am iminately about to hear the outcome of my claim for ppi with the halifax but was wondering how the bank has been with people after they have made a successful claim i.e have the bank demanded overdraft monies back etc... just a bit worried on that front as we have one, only £200 into it at the moment but am i right in…
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Remaining Repayment, calculation?
How can I calculate a settlement figure on a loan if I were to pay it all up today? For example, I will soon have more money coming in a month so wish to pay my loan off quicker. How can I calculate how much is left to payoff if I paid it today?
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Loan account charges
Hi. We had a loan out 4 years ago which is due to be finished early next year. The account is under my husbands name and i left the repayments to him. The thing is, out of interest i picked up a statement for the loan account and to my horror found that over the past 4 years the bank has been charging £10 a month to…
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A little help needed, trying to understand something.
Hello everyone I am a little confused and would like if possible someone to explain something to me. Take a of £10 000 at 10% over five years. The total repayment is 12720 according to the table. What I want to know is where am I going wrong. When I try to work out the total interest on the loan I get a differing answer to…
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Free loan confirmed by loan agent in writing..
Hi, I am about to buy a car. Carloans4u have offered me a loan for £8050 over 4 years from British Credit Trust for my car, which is (once I confirmed all the details) quite extortionate in way of the APR and charges. I was confiming some details with the guy from carloans4u about the early settlement figure. On the…
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Help, i'm confused, I have cancelled PPI BUT my payment are weird or are they
:confused: hi I took out a loan in 21/03/03 loan amout £8500 with interest £13307.28 84 x monthly payments OF £158.42 INSURANCE DETAILS AMOUNT £2556.38 INTERSET £1445.38 TOTAL PAYABLE £4001.76 APR 13.9% TOTAL AMOUNT A SHOCKING £17309.04 84 X £206.06 In june this year I cancelled my ppi and this is what my letter from the…
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Can I claim Halifax PPI ?
I have recently checked my PPI on my Halifax loan which was taken out in joint names to discover that only one of us is covered. This of course would be useless if the other person was made redundant or had health issues. At the time of taking out the loan we cannot remember ever being told that this was the case or even…
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Cahoot not acting on instructions
I posted a request to my Cahoot loan account asking them to make a one-off direct debit payment that would reduce my balance to zero. They have not acted on it (two months in a row) so I have entered a complaint. According to their T&C they have eight weeks to resolve my issue before I should take it further... Assuming…
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Is "life assurance" the same as PPI?
Hi, Please don't laugh if this is a stupid question- am very new to all of this!! Is "life assurance" the same as PPI? Because myself and my O.H. were told we had to take out "life assurance" for our mortgage, and on the statements it appears as PPI but apparently only covers death, and doesn't seem to cover the categories…
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Creation Finance
Last year, I bought some furniture on a one year interest free agreement. At the time I was given a copy of the agreement which staes that I can pay either by cheque, postal order or bankers draft by post or by credit or debit card over the phone. I have just tried to pay by credit card (not least for the extra protection)…
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Secured Loan Settlement Figure
In June 2006 we applied to our lender, Halifax for a Further Advance on our mortgage. They said that as the lending would run a few months into hubby's retirement they couldn't do a Further Advance but could offer a Secured Loan for same rate over remaining term which was 20 years. So we borrowerd £12,800 with a £299 admin…
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p.p.i
Hi All, First time on here so go easy. Like everyone else got into bad debts. In a payment plan with payplan at the moment but one bank / lender is putting a charge on my house. The question is had a loan with them repaid down to £3,533.98 toped up by £3,o66.02 add on £1,308.11 total £7,908.11 over 84 months = £16,770.60…
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Broker Misrepresentation
Can I ask for some views on this. Walker Hammond sent me a letter saying that I had acceptance in principle for a loan. I had to pay a fee in advance as according ot their literature they do not receive a fee from lenders. To cut a long story short I eventually got offered a loan for less than the amount that I had been…
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Need to borrow £8k with dodgy credit score
I’m sorry if I ramble on here but I want to get as much info in so that some money genius out there may offer some advice! My husband and I recently married and we both have individual debts. I have a loan which I am 2 years into and 2 years to go (at 6.7%), which I pay £95 a month on. I also have one credit card at £1000…
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who does the best income protection insurance ?
i currently have 2 loans with PPI and 1 credit card with no PPI.i'm looking to reclaim my insurance money and cancel my insurance but i want to know the best income protection insurance supplier. thanks
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PPI Claim
Sorry if this is in the wrong place but I have tried to download the PPI claim letter for my daughter and it won't let me open it. Does anyone have it in word please? Thanks
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Finance v Loan
I have had problems getting a loan previously because I am a temp and the searches dented my credit score. I have now been able to imrpove my score but am debating whether to get a car on finance or get a loan through blackhorse as I have heard they are quite flexible. What would people recommend?