-
Personal Loans Shopping
Hi, Martin Lewis is saying the advertised Interest rate is not what you get. So how do I soft search all the loan providers and will the rates from the comparison search results be the rates I get? If not then that means I have to do hard searches to know the real rate that the loan provider will give me? What it is I have…
-
Next 3 Year Interest Free Credit Decline
I have a perfect credit score with Experian yet I was declined the advertised 3 years interest free credit by Next when wanting to buy a sofa recently. Next have have either been unable or unwilling to give me the reason for my decline despite my formal complaint to them. Experian said they knew no reason to decline. I…
-
Who gets best loan rates
I may need a loan next year for home improvement, hoping not but if we exceed the budget may need to. I did two sift check eligibility quotes for 20k over 5 years. One came to 9.1% the other 8.94% so very similar. My affordability on the mse checker is very good, i do have 20k at zero percent deals on credit cards with a…
-
Have I just been missold car finance?
Hi, I’m hoping someone may help as I’ve never taken out a loan/finance before in my life and I’m certainly of a certain age! I bought a car just over 2 weeks ago and had the funds to pay in full. However, I was encouraged to take out £5000 on finance as that was the only way the dealership could give me any kind of…
-
Car Finance
Hi have a ballon finace on my car with VWFS would i be able to swap for a cheaper repayment option with other company for a lower rate ? as car is 25 plate
-
Post Office Loan transfer
Hi,Hopefully someone can give me some advice.I had a Post Office loan which ended last year and received confirmation that it was paid off. Today I got a letter stating that my loan has been sold and my account details are being transferred to the new loan company.I am not happy that my details are now being sold to a…
-
Klarna selling a debt that was never a bad debt and was closed months previously.
Hi there, first of all let me apologise for being a watcher and not a contributor, so here goes with my first post. This is something that has occurred to me this week and I am just putting it out there to try gauge the extent of the blunder. Rather than to trying to write pages on what I have discovered, about the…
-
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.
-
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…
-
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
-
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…
-
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…
-
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…
-
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…
-
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,…
-
Paypal balance
What is the best way to pay off my paypal balance. Currently only just paying interest, want to clear it
-
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…
-
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 ?…
-
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…
-
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…
