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Loan default
For some reason my direct debit loan repayments stopped being paid to RBS just over a year ago. They have just issued a court judgment saying that I owe full amount of loan. However, they have never been in contact with me - and were using an address that was previous to my last address. They are saying that it is my fault…
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Credit Scoring dilemma
The situation is this : I am currently in the process of buying a house (first time buyer) and my mortgage application has already been approved. I was initially told by a "mortgage advisor" that under no circumstances should I apply for credit for things like sofas, appliances etc. until after I've completed the purchase…
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Loan - Charges reclaim?
Hi, I have a loan with welcome finance. Over the past two years, they have applied charges to my account for phonecalls, and letters they have sent, or if i have made a late payment, or a missed payment. Can i reclaim these charges in the same way as i can reclaim bank and credit card charges? Cheers Nick
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Car Purchase to HP or not to HP! That is my Question!
Hi All :grin: I have a question, I am just about to buy a car, I have the money in the bank to buy it outright, but some people have said leave that money in a high interest account at 6% approx and use finance. Now I am a little confused, surley the rate on savings will be lower than the finance charge, so I will be…
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£15,000 unsecured loan is it possible?
Hi, i am in need of a £15,000 unsecured loan as i am not a homeowner, to help out a family member that is in debt way over their head and to clear off my debt of £5,000. Will anyone lend to me i earn £32,000 PA and currently have £5,000 debt that i am paying from abroard and want to consolidate it over here, it is much…
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Help?! : Career Development Loan Vs Professional Studies Loan
Hiya I'm starting a Master Degree and was considering loans out there to fund my studies and living. The 2 main likely loans for postgraduate studies include the Career Development Loan (CDL) or the Professional Studies Loan (PSL). I'm comparing to the 2 cheapest loans, that of Barclays CDL and HSBC PSL. From what I've…
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Urgent help required regarding loan repayment demands
Hi all, The story (it's a bit lengthy but please bear with me) is as follows: About 3 years ago my father-in-law took out a 20k unsecured loan from Lloyds - he took this with a protection policy. About a year later he was dismissed from his job (he had given sales reps examples of products without permission). Obviously…
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Car finance - Beware!
Hi all Just a warning to anyone looking for car finance.... If your credit record is not A1 (like mine :( ) and you are looking for car finance through a dealer beware that they may make a large amount of credit searches in order to find you a finance provider. I took out a hire purchase agreement through Car Giant and…
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Hsbc Ppi
Hi Ok after being burned with going to court with the HSBC and them not paying out and then the hearing being stayed until December sometime I'm a little hesitant about this PPI deal. I'm not sure that I'm eligable for a PPI reclaim but here are my details: I'm employed full time and have never missed a payment - I've…
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Black Horse Personal Finance, Any Comments
Hi, As anyone who has been declined for a loan, under 21 with a credit score around 360 been accepted for a £3500 loan from black horse, I earn £14450 pa and including all my outgoings inc. set aside for petrol, entertaiment take away food, parking everything i have around £360 minimum left? I want a loan for 3 years…
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Overpayments GE money loan
Hi, First the background........ I had a new bathroom fitted by Dolphin a few months ago (DONT DO IT). I took out a GE Money loan to finance it as I know I was able to make overpayments and wanted it paid off in a year. Total Loan ammount £6800 or close to that and I'm scheduled to pay £129.17 for 120 months which as u can…
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Thwarted by the evil student loans company
I don't understand why the student loan company can't deal with individuals, rather than blanket ruling on everyone. I want to defer my repayments as I am returning to study. To be approved for deferrment you have to send in 3 months' payslips in order to prove that you have not earnt over the threshold to qualifiy and…
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Loan Payments
Hi All, Can anybody help!!! I had a Hire Purchase on a car i bought some time ago, it was subsequantly stolen and the insurance company had payed out, but as usual not quite enough to cover the payments. I had taken out a GAP policy when i purchased the car to cover in the event of what happened. Now the Gap company…
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Payment Protection Insurance
Hi, I brought a new ford fiesta in Jan 2006 previous to this I had a brought a ford KA from another dealership in Jan 2003 both dealerships put the hard sell on my to buy PPI and didn't go through any previous medical details with me. On receiving martins email letter this triggered something off so I wrote to them I…
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Mistake...
Hi I was wondering, I currrently have two loans I am paying with collection agencies. Would it be a mistake against my credit rating if I was to pay both of these off in one go? Any advice would be appreciated
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Anyone been with cpmloans?
Saw a post on here a few days ago for cpmloans. Seemed like a good deal, offering the best rates in the UK. There site is at http://www.cpm-loans.co.uk
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PPI Help
Hey guys, I had a loan with Alliance and Leicester which i'm going to try to reclaim for but it ended nearly 5 years ago,so i have no paperweork relating to it whatsoever.dont know account number etc. Should i contact them by phone and if so what should i be asking for? Any help is greatly appreciated. Bobby
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Which loans are offered by the government for small businesses
[FONT="]Here i will give you a small description about SBA. SBA-Small Business Association, SBA branch in your area will be able to give you information on which loans are appropriate for businesses in your state. You have to find out the most effective way to apply for these loans. Besides you must also be aware of…
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Is it easy to obtain loans for personal debt?
Hi, Is it easy to obtain loans for personal debt? This is a tricky question because there are many variables that will go into the answer. It will be easy for you to obtain a loan for personal debt if you have a good credit rating and if you have a good relationship with your bank or lending institution.On the other hand,…
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Any advice please?
I received an "invitation" from LSTB to increase my loan and my payments would stay the same, i owe about 1000 on one credit card so thought id go for it, pay off the card and then have 2000 in the bank if i need it. Ive just rang them , was on the phone over half an hour only to be refused! Never been refused for credit…