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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?
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Loan Cancellation - Urgent
Need some advice...Is there a legal minimum time to cancel a loan? I had work carried out by a company who are now getting dodgy over voucher incentives and I have signed up for a loan as of 30 Oct through the company, the small print on the loan agreement says 5 days but would I be right in saying that I have 14 days??…
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Permission to credit check-WARNING!
Copied from an other site: i singed up to a website which stated on their home page that 'their team of professionals will find me a loan quote'. not having time to search for quotes myself, i presumed this brokers service would suit me. It states that their dedicated team of professionals will search their list of clients…
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PPI Advice
Can anybody please offer me some advice. I took a loan out last year through Loans.co.uk. I was told when taking out the loan that the ppi would be best for me from the answers that I had given to a demands and needs questionnaire. I do not recall that they told me that it would be a single premium PPI and that this would…
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why rejected?
Hi everyone I could do with some advice please, my fiance has a perfect credit rating, unlike me who has less than desirable but will all be dropping off my file in 2008. Anyway, cus of this we have any necessary vredit in his name, mortgage and a small loan. Now we have decided its time to get married and are looking for…
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Loan Advice
Hi, I have overdrafts with about 6k in total from various banks, i want to consolidate this into one bank/loan/card so i dont have to worry about these other banks. I though about getting a loan and paying the overdrafts off but would a graduate account be better or a personal loan? im not sure where my credit rating lies…
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Managed Loans!!
After taking out a personal loan a few years ago to buy a car I asked the bank if I could alter the terms of the loan so that I could get a little more money out of them. As a result this loan has now changed into a 'Managed Loan' which I have little hope in paying back as the rate of interest seems to be huge. The…
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Can my debt be sold?
Hi all, I'v had a loan which I defaulted on some months ago. To cut a long story short we'd agreed to pay it back @ £200 a month but I lost my job and couldn't manage more than £40. They [HSBC] refused to listen and passed us onto the recovery department. Since then we have been making the agreed payments with them and…
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will i have a bad credit rating
i defaulted on a loan about 2 years ago, it never went to court, it just went to there solicitors im now on my last payment next week :rotfl:will this thing prevent me from getting finance in the future, have i now got a bad credit rating. we want to try and get a mortgage in the new year and i dont want this hanging over…