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Welcome finance / mortgage charge
Took out a secure loan 2007 repaid 2010 Now trying to sell property and Welcome have never remov3d rhe security charge against the property with the Scottish land registry Our conveyancer says they can di nothing about this and refer me to another solicitor at a cost of £2400 to apply to court to remove this has anyone had…
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Getting in touch with Target - Help to Buy
I received a quarterly statement email on Saturday (1st July) stating that I am in arrears with Target. I have a direct debit with Target, which they have been taking a monthly maintenance fee for 5 years. I have missed no payments, and they have failed to take my direct debit. The issue I am facing, is I simply CANNOT get…
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Front Loaded Loan Overpayments
I recently made an overpayment on my loan with First Direct. I thought I would see the value of the overpayment and an additional interest saving come off my loan balance but this wasn't the case. I contacted first direct and was told that as the loan is front loaded I will only pay off the loan with less payments and not…
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Santander shorten term?
Hi, i have a £13k loan with Santander over 60 months. I want to pay this off quicker will they let me change it to 36 months or 48 months? thanks
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Amigo loan scheme claim rejected
Hi I complained to the amigo loan scheme that my loan was unaffordable. It has now been rejected by the scheme. Is there anything I can do or is that the end of it and I have to accept this? This is what they have said When reviewing your claim, we have reviewed the above, and taken a range of factors into consideration
to…
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Moneybarn Finance
I have arranged a monthly DD Payment Plan for the outstanding balance on a van that was an Insurance write off will they be able to still charge interest on the remaining outstanding balance I was seven months into a 48 month loan when the van was written off the account has never been in default and no payments missed. is…
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15 year old debt questions.
Please firstly let me apologise if I have posted to the wrong section I am new to this forum. To cut a long story short I took out a loan for a previous partner a few years ago (idiot I know) just under £2000 was owed. This partner left not long after and left me in a bit of a mess. I did pay almost £6000 of joint debts we…
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Can I use a personal loan and cash to buy a house outright
I currently have enough money saved up to buy a house outright. But there is a house about £15,000 above my budget. Is there any reason I can’t get a personal loan for that amount and use that with my cash to buy a house outright.
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PayPal Credit Bank Account Access
Hi Everyone, I'm new here and would like some advice on something I came across this morning. I have Paypal credit which I had previously paid off but needed to use it again to purchase something for my son. The purchase went through ok and I intent to pay the balance in 4 monthly payments to avoid interest. When I check…
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Faulty Car on HP
Hi in April 2022 I bought a Vauxhall Astra from evans Halshaw, 1 previous owner and first registered January 2020 with 7000 miles on the clock. In October of 2022 I had problems getting the car into first gear and took it to Evans Halshaw who diagnosed the car and said it needed a new engine which was covered under…
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HP Car finance question
So at the moment I'm working full time. I'm 26 and I earn £3640 a month after tax driving heavy machinery in demolition. I pay £400 rent while living at home with parents. I am looking for a new car. Long story short I had a credit card out years ago and I never paid it which resulted it been a default. I wasn't aware when…
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Comparing PCP APR to cash in the bank interest rate
Hello New car being delivered shortly to dealer, who will be chasing me soon no doubt to sort out the paperwork. I have to take out PCP to get the manufacturer's contribution. I know I can take out the PCP and then settle immediately with cash in full, but the current rates of APR on offer is 2.9%. Considering that bank…
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Loan to purchase business vehicle for sole trader?
Hi, Am 5 months away from the end of a 5 year PCP on my London black cab. I am strongly considering paying the balloon payment (22k) and purchasing a 3 year extended warranty (3k) - therefor am looking for a 25k loan over 3 years. I am 56/married/9 yrs into 23 yr joint mortgage fixed for next 18 months/decent credit…
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Everyday loans SOA email received today is it scam ?
Hi I RECIEVED a text containing a reference number pertaining to my old and paid in full loans …worried it’s a scam …any advice
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Elderbridge Loan
Hi guys, wondering if anyone could help? I took out a loan in 2007, for £41,975 which included Ppi (which I have subsequently claimed back!) however I have just called Elderbridge for. Redemption figure and they have advice I still owe over £18k some 16 years later !! The loan was originally first plus, I was very naive…
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Loan refused no explanation
I've been with HBOS for 40 years and in this time had my mortgage, which has been paid off for years now, and several other loans at different times and always repaid as expected. I was looking for a car loan and clicked on the apply for loans part of the online banking and was instantly refused without even asking for any…
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Consolidating Debts & Buying a New/Used Car
Hi, So over the past few years, my partner and I have accrued almost £12k in debt across overdrafts and credit cards due to life circumstances, buying a house and the unforeseen problems that come with that. I have never missed a payment, however due to the mortgage being relatively new and an issue with the electoral roll…
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Escape HTB loan using a different loan to cap future house price increase (already at £32k increase)
Our house price has currently risen by £32k in 2 and a half years meaning our HTB loan amount has gone from £30k to £35k. We are looking to try and escape the HTB scheme by considering a personal loan to pay off the HTB loan and cap any future rising costs and stop the goal posts from moving. We worked out that we would…
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Loan for extension
We need approx £35-40k to finance extension- have around £105k already from equity when we moved and savings, as the plan was to take into account work needed when we moved. Having spoken to our mortgage provider it looks like it would cost us more in interest to get it through them than a personal loan so have been…
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Morses club refund
Hi I’ve had 40 loans with morses club over the last 10 years, I currently have a claim ongoing with resolver to claim back interest and charges, has anyone been successful doing this? Thanks