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Cheap personal contract purchase
Cheap personal contract purchase guide. Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum? Intro Guide.
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capquest chasing 18 year old debt
Hi, I have received a letter today from Capquest advising me that on 20/12/2006 they took legal ownership of a credit agreement with the AA and i am now to pay them the outstanding balance of £2464 made payable to Opos Ltd They have also advised me they would reduce the debt to £2488 - which is actually an increase - if i…
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Evening
Hi We need to borrow around 25k for home improvements. We are in a good position that we can do it is as additional borrowing or on a loan about same apr What would be best a loan on additional borrowing on our mortgage Thanks
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HSBC ARE NOT GIVING ME INFORMATION AFTER 2 YEARS OF ASKING
When I got sick several years ago, citizens advice took over my depts with my ex wife giving them the details, I have been paying an account with moorcroft , but recently saw the balance was over £17000.00 since I never had any account with HSBC for any thing like that amount I contacted moorcroft and explained this to…
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Advice for credit agreement complaint
Hello All, I'm looking for a bit of advice, perhaps from someone who may have had a similar experience to me, or someone in the know. I have an account with a financial provider, well known, limited company, all above board etc. and Allows me to purchase products and pay monthly over a set period of months, I have used…
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Debt Collectors Different Strategy
Hi Folks, I've read the threads suggesting you send the "prove it" letter when recieving a letter/demand (£4,500) in our case for a debt that isn't yours. But we've tried that, and they're refusing to provide any information about this debt. The only information they've provided is that the account was created in 2001. So…
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Why commission on ALL car sales credit agreements was bad for consumers
Martin suggests that we should think twice about complaining about commission to salesmen - I know the FCA will probably go for a no-claim approach IF the supreme court holds up the appeal court ruling, but the way commissions were applied absolutely disadvantaged consumers, and his stance disappoints me. We used to be…
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Bank Account for New Business - stay with current bank or branch out
Hello, I intend to open a
new business bank account for a limited company. Is it best to stay
with the bank which holds my personal account as they know that I am
credit worthy as have had loans before and always paid them back
without missing payments. I’ve seen another bank which offers
better terms for new business…
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Personal Guarantee
Hi All, I took out a Buy to Let Mortgage 3 years ago with a 5 year fixed term. The solicitors messed up and didn’t get me to sign a personal guarantee at the time I took out the loan, and are now asking me to sign it as the lender has requested a copy. I don’t think it is reasonable for this to be requested 3 years later,…
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Paypal balance
What is the best way to pay off my paypal balance. Currently only just paying interest, want to clear it
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Is a company geniune called Quick Money
Hi, I am suspicious but I just need confirmation. I have been applying online for a loan, but due to my poor credit history I have been rejected. However, I am being called on a daily basis from a mobile number from a company called Quick Money. They sound like they are working in an Indian Centre. They claim there website…
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Eligibility For Zopa Loan - After IVA ?
Hello !! Pls, I had a car finance loan with Zopa. I paid it off (while I had the IVA). When the defaults fall off by December, 6, 2025, by God's Grace, how easy will it be for me to get a personal loan with Zopa - given that I paid off the loan early & also, that I probably have a good internal credit score - with Zopa ?…
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Is it possible to give a secured loan to a family member
I have been asked to lend £10k to a family member who owns his house outright but needs to do some work on it prior to selling it. I have been promised the money back when he sells as he has no no other disposable income. Is it possible, as an individual to create a loan agreement that states that the full £10k must be…
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Amigo didn’t put guarantors name on contract
Hi, I’m getting a lot of hassle from Lantern UK… I’m autistic and don’t have any external support. so I was told to apply for the scheme where people were miss-sold loans about two years ago I think? My ex partner and I took out a loan to be able to move home, as it was urgent. This was in 2018. I was told that the…
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What to do?
I approached my bank for a loan 50k, they said is wasn't possible because of a business at the premises. I then looked for a mortgage, doable but would need to take out a building warranty insurance at around 9k, as a new build property. Thinking about other ways to finance my project, I can now probably raise 30k cash,…
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Applied for a loan so APR on other loans increased
I applied for a loan to buy a car, so it isn't a small loan, but I have a fantastic credit score. I went to Tesco Bank as they were offering 6.0% but was having issues applying online, so I called them late afternoon on Monday. I don't recall whether they told me before or after agreeing to a credit search that the offer…
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Need help with making decision on my car finance situation.
Hi guys I need an advice regarding paying off my car finance I currently own Honda Civic 1.5l 2017 Fk7 MK10. It’s reaching 100.000 miles and I paid off nearly 3 out of 5 years of the finance on it (£8.100 left to pay). I have decided that I will leave the UK forever next year due to family issues and I am trying to think…
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How to work out what might be cheaper - money transfer from a credit card, or a loan
My husband wants to borrow £3,000 to cover the cost of a lease extension. He is trying to compare whether it would be cheaper to do a money transfer from his credit card (currently zero balance) or get a bank loan. Either way, this value will be included in a re-mortgage in a few months time; so it is only a temporary loan…
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How to complain about excessive interest rates
Hello, We stupidly agreed to a loan with Shawbrook for repayment of our windows installed by Britelite. I have received our annual statement and we will be paying £7050 interest on a £5395 loan so far we’ve repaid about £7900 with a balance outstanding £3498. This feels like usury in this current climate. we haven’t…
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Court claim kearns solicitors
Hi apologies if I have posted this in the wrong thread. Basically I received a claim form for a debt with link financial/kearns. I rang them last Monday to explain my situation etc and offered a repayment plan if they agreed to not pursue the claim through court. They agreed the payment plan and said a letter will be sent…
