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can you have a natwest loan without a Natwest account?
Hello, I need some information regarding an existing loan I have with natwest. I am currently in the process of reclaiming my bank charges from natwest and therefore opened a new bank account, i chose nationwide as they were recommeneded to me. Nationwide automatically moves your D/D's for you, the rest of them went…
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Yet another was PPI missold question
Hi all, after an opinion, so I'll be brief. Took out a 7 year bank loan under a year ago, but told the lady at the time that I wouldn't need it for that long as I was selling my house and would settle it then. She bundled single payment PPI anyway, muggins here didn't know that this was a bad idea and accepted it. Anyway…
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can i switch ppp on loan?
is it possible to switch my payment protection plan to another (cheaper)provider that i have on my personal bank loan?
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Incompetant bank staff & credit file
I'm new here so hope this is in the right place. Anyway, I was recently made redundant and spoke with my bank who provided me with a personal loan to see if I could have a payment holiday. They said that I could put off payment for 1 month then another 1 month until I got another job. Before I agreed to this I asked if…
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Loan Rejection - Confused and in need of ideas
Hello all, I am looking at getting the loft converted to create another bedroom in my property as we are expecting a baby to come along around August time. I have seen an architect and he tells me the work is not going to cost less than £25,000. We applied for a loan through my employer (I work for a bank) as it would be a…
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should I pay this amount off?
Hi, I have an outstanding car loan of just over £6k (that's the total I'll pay when the loan completed in 2010. At this moment in time I have savings totalling £3000. I telephoned the loan provider to see how this would affect my loan. She said that although it would reduce my term, the actual amount I'd end up paying…
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confused with balance transfers and loans
hello all, OOh my very first thread. Just wondering if anyone can help. I have just cancelled the new &MORE credit card from M&S the reason being that I was going to transfer the money I owe on an exisiting bank loan on to the &MORE card and take advantage of the 3.9% for the life of the balance deal. But apparently you…
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Stick or twist?
Hello everyone, A few years ago I took a loan out with the Halifax bank over 7 years. This was all going well for the first 3 years until the bank stopped taking out the direct debit for the monthly amount. I didn't notice for the first 7 months ( not very good with money you see! ). It is now over 2 years down the line…
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Newbie on Loans Formum - PPI Question
Hi all, I'm normally hanging out in the DFW forum but thought I would ask the loan experts on this one. I have a loan with HSBC and Capital One which both have PPI on which I hate paying knowing I can get it cheaper elsewhere :mad: Can anyone tell me if the have managed to cancel their PPI with any of these companies and…
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Debt in the UK
Hi Ok just after some advice for a friend, Can debt from the UK be chased in the US, talking about (25k) Many Thanks
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Stupidly incurred charges.
I've been a bit of a stupid boy. Moved house last year and forgot to inform my car finance company. I rang them last week to change my address and get a balance of my finance only to find out that I had missed a payment in august, therefor incurred a late payment charge and then loads more charges due to not replying to…
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advice on 11 year old debt
About 10-11 years ago I purchased some items at an event on interest free credit. I filled in all the forms and though no more of it. I have just recieved a demand for around £450 relating to this. I think this is the full price of the goods. I have had no communication from anyone regarding this before. I need to check…
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Buy now pay later
Hi New to this! I bought a leather suite last year on bu now pay later. At the payment date to clear off the loan, I was 5 days late. They then charged me 1 years interest up front, some £900, on top of the loan amount! Now I know this is my !!!! up, but surely I would only have to pay interest on the days after the offer…
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Mis-sold PPI?
I'm wanting to cancel the ppi on my Halfax loan and looking at the agreement as it stands my monthly payments would go down by about £40. I looked through the conditions and it mentions that once the ppi is cancelled you need to rearrainge the loan. I suspect that they would recoup the money by raising the interest rate…
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Black Horse Finance?!!
Hi there, hoping someone can help me! I have a hp agreement with Black Horse on my car, however whenever I have missed or made a late payment charges have been put on my account, I was just wondering whether these can be claimed back in the same way bank charges are being claimed? Any advice would be greatly appreciated,…
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What Can I Do About A Mortgage
I have a loan through the HFC bank,myself and fiance seperated for a little while, so, during that spell the only fiancial obstacle i had was this bank,they said i could restructure my loan and half the monthly payments,so i did,this was august 2005, i`ve never had a adverse credit history,so i wondered why i was unable to…
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Help needed
I wonder if anyone can help. we bought a caravan in germany 4 yrs ago when we lived there now back in englad but as we had a german loan we transfer money to our german back account every month to pay for it with out fail. i had a phone call this morning to say two gentlemen have come to england to take the caravan back as…
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Unsecured Personal Loan - Acceptance
Hi, I have been in UK for about 4years and I have not taken a loan before. Also only recently I have been added in electoral register, I am looking to borrrow about £15,000 for 2 years. 1) Out of the following banks which will i be accepted more likely? Moneyback Alliance and Leicester Liverpool Victoria AA loan Northern…
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Realising the capital on our house
Hello, My wife and I are both in our early sixties, our one child is married, with his own family and both he and his wife have well paid jobs. We own our detached house in the UK with no loans or debt owing to anyone. We both have pensions and surplus money and are still both working but intend to retire within the next…
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Dragging a £10000 cahoot flex loan on m & s card
Anyone have any ideas on this. I have about £10000 on cahoot flex loan but following martins article tryed to get this through egg money then on to m & s card 3.9%life of bal but having just recieved m & s card credit limit is only £3000.Anyone got some ideas on this because I would like to get out of cahoot flexy loan.