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Car Lease agreement being sold to another company
Hi, I have a personal car lease agreement that is due to expire Sept 26. I received an email from the lease company (Leaseplan). That they will be selling my car to their sister company ALD and they will transfer my finance agreement to ALD. They then inform me that their plan is to merge ALD and Leaseplan and become…
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Turned down for 100% Pre-Approved Loan
Hi there I was looking for a small loan to cover a final payment on my PCP and to cover the part of my credit balance that is incurring interest, about £5000. I'm a bit bemused as I ran it through the MSE eligibility checker, and went for an option that was 100% pre-approved supposedly. As the title says, I was then turned…
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Moneybarn Car Finance
I bought a car with moneybarn paying £388 a month. To be honest I didnt realise how much the APR was. The car was massivley overpriced. I have since sent the car back as I fell behind with payments and couldn't afford the monthly amount. This was after bout 2 years. They have since sold the car at auction at about £3-4000…
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Paid off Loan Early
Hi - looking for some advice. I recently paid off a loan and it is settled in full - the lender is hounding my for info on earnings, where the settlement money came from etc but I dont believe the answers to their questions are any of their business - never ever had them before Salary/Income - • Was the full amount from…
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Loans to 0% credit card
Hi all, I have a loan (Which I purchased an item) with Klarna for about 4.5k. Is there any way of transferring the debt to a 0% card? I cannot seem to find a way of doing it as it's already a loan and won't be a balance transfer from another card. Thanks is advance
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Help Needed, Long-Term Finance Agreement Possibly Mis-Sold by Tool Company, Asking for advice
Hi all,I’m looking for some advice and insight into a long-running finance issue I’ve uncovered with a well-known tool company. I’ve worked in the motor trade since I was a teenager and have been using their credit options (Extended Credit, EC, and Rolling Account, RA) since around 2011. Between 2017 and 2019, my dealer at…
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Issue with PCP
Morning all, Cut a long story short, I signed a PCP deal on a new car back in March 2025 and picked the car up in May. Due to a change in circumstances and my partner not working, I am finding the monthly repayments hard to keep up with. What are my possible options at this stage and what financial implications will it…
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Title Deeds
Hi everyone, My mortgage with the Nationwide has now been completed / paid off but I received a letter from Nationwide stating that there records show there is a second charge registered on my property with Endeavour Personal Finance. Nationwide are stating "If this charge has already been paid off or isn't applicable…
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Marshall Peugeot Car Finance ALL CLOSED
Hi, We bought a Peugeot through Marshall Group in Kent and found out today that all the Marshall Peugeot branches have closed. Our local branch has all our service records for our car. I have tried to contact Marshall Group at the Registered office address in Milton Keynes (01908 851000) and they said that they are not…
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Borrowing from friends family
Looking to borrow £10,000 from family or friend but want to give them security and would be prepared to put a charge on property which I have equity in to safeguard their money. Can anyone advise
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Borrowed money from sisters and not sure what is fair for all parties?
So I purchased a properly recently and in order to pay for the deposit, my two elder sisters sold their gold and gave me the funds. nothing was clearly defined initially, but the middle sister said she wants the money back at the market price of gold. At the time, gold was about £60/gram and my middle sister gave me…
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DMP and credit union
Hi all Im just starting out my self managed DMP journey. I stopped paying for all credit 3 months ago 3 loans I credit card. I didn’t realise my one loan was a credit union? My community finance? I’ve been getting letters about it defaulting and then a formal notice. Nothing on credit file yet. Am I wrong in thinking I…
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Business loan
Not completely sure if this is the right forum but open to recommendations where to post elsewhere.Can anyone suggest a reputable provider for a £50k Business loan?Our bank, Santander, apparently doesn't offer busines loans at the moment. Also have tried Funding Circle but they didn't like the fact that our bank account is…
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House repair
My father is in his 80's, lives alone and is housebound with disabling arthritis and other problems.My concern is that the outer fabric of his house is in need of urgent repair. The rendering is cracking all over, with a deeper crack into the blockwork on the front elevation. the guttering and facsias are in very poor…
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20k house repair - loan advice?
Hi All, just looking for some advice please. I have a 20k essential house repair that cannot wait. I have 20k in savings but no more savings. Should I use this or get or a loan? Or combination of both? I don't want to remortgage and I don't have any other assets. I work full time and have a steady job so can start…
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Help - Court date in 2 weeks
Hi Hoping someone can assist. The court case is set for a couple of weeks time...I'm in a real state :( Last payment made was Feb 2018 Both the DNs they have sent are invalid. I have already made the point that they are and that they cannot issue a 2nd DN for the same debt (which they have done), but I have just come…
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New MSE car refinancing guide
Got car finance? Test our new guide & tool to see if you can refinance to save £100s or £1,000s? We're testing a new guide, to see if people on PCP or Hire Purchase deals can save by Car Refinancing. It's brand new territory for us, so we wanted you to go through it, see if you understand it, whether you think the guide…
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Loan vs Morgage
Me and my partner bought a house together with help from my parents so we have no mortgage. Me and my partner are listed equal on the deeds and have a verbal agreement that should circumstances change any sale of the house would pay back my parents first and foremost. Now I need to pay my parents back as circumstances have…
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PCP CAR FINANCE SET UP WITH WRONG MILEAGE
I bought a car from Kia dealership using a 2-year PCP Finance with Hyundai Finance when it had 22,000 miles and was verbally quoted a monthly repayment amount which I agreed and few days later signed the contract, where the finance finishes October 2025. I recently changed job which my nearer where I live and no longer…
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Can you overpay PCP finance?
Example. Car is 20k Deposit 5k 10k over 48 months GMFV 5k Effectively over pay by 9k, have 1k on monthly payments over 48 months and know full well I have the option of returning the car or keeping it. Will this reduce interest to hardly anything and payments which are minimal monthly amounts over 48 months?
