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Car HP confusion
If I take a dealer's car HP agreement (with a third party lender) there's a 14 day cooling off period. Online guidance is that cancelling the agreement means I have to return the car to the dealer. Question 1 - can I cancel the agreement, pay the lender in full and keep the car? If I don't cancel the agreement but make an…
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Council bankruptcies and debt
I'm trying to find out some information about what happens when a council is dissolved and a new authority is created and what happens to the debt. So, for example, when a member of the public has a debt with the old council i.e council tax, parking fine, care package - whatever really, what happens to that debt? How much…
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Pay off Hire Purchase Early
I have been told that if I pay off hire purchase of £30000 (£29500) and leave a balance of £500 within 2 weeks of starting the hire purchase agreement that this will prevent early termination fees and that the last payment of £500 (will be technically the first) will end the agreement Is this correct?
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Funding property abroad.
Hello. I'm looking for advice about hot to fund buying a property abroad. Me and my wife are both dual citizens of UK and Poland. We live over 10 years in England, and thats a place where we want to live until retirement (so, still more 20 years), but we are thinking about buying a home in Poland, renting it at a moment,…
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Santander Loan
I had a loan agreed with Santander on the 9th July but still waiting for them to release the funds. They say there was an IT issue but will not give me any indication when they will release the funds. They advertise that funds are released in 2 days once all approved! Anyone else having a problem?
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Merged: PCP - How to overpay and reduce interest, is it worth doing?
This discussion has been merged.
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Car finance PCP figures don’t add up Help!
Please help me understand PCP figures as they don’t seem to add up Dealer figures are On the road price £28384 dealer contribution £3000 my deposit £4000 Final value after 4 years £12352 APR 7.9%The dealer is quoting monthly payment of £298 Now, when I use an online pcp calculator and input the info above it says the…
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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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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…
