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Support for old loan
In 2005 I took out a personal loan. Several years later I defaulted on it and it was sold to a 3rd party company, which has changed several times over the years. In 2019 the 3rd party changed again and I have made no payments since . A new company saying that they are acting on behalf of Lloyds have now contacted me saying…
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QDR solicitors
I recently paid off some outstanding debt with a small windfall that I got (was all spent on this). Soon after I received a text from QDR stating I owed them money for payday loans that I did not pay from 10 years ago. They just tried to call me on this. The only thing i have done is log into their website, I have not…
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Provident Group
I received my letter of settlement from Provident Group, which breaks down as follows Loan Info Initial Loan £600 (affordable) Subsequent loans X9 (unaffordable) - total value £4K Outstanding balance - £1000 (three loans - which I was not aware of) Outcome Payout - £0 Outstanding balance - Cleared Now I am not sure why I…
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Amigo loans vote
I have received an email saying that I can vote on Amigo loans but I really don't understand how I should vote. Any thoughts?
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Loan application after coming out of Stepchange for a lower interest Rate
Hi All I'm new here so I'm looking for some advice, I have a car loan with Moneybarn at 19.9% Apr and I'm almost a year clear of any debt and out of Stepchange and I'm trying to building up my credit rating, so this is what I want to do, I want to switch the the car loan to a lower APR so I have now received my settlement…
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Loan payment reference
Hi, What is the loan payment reference? I supplied my loan account number to x but they are asking for my loan payment reference...is this the number that shows up next to the direct debit payment on my bank statement? Many thanks P
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Early settlement fee from M&S Bank
I took out a personal loan of £12000 for 24months with interest rate of 2.8% on Jan5th 2022. The loan is for home improvement, but my circumstances were changed and I want to pay back the loan. The monthly payment is £514.52 and I have paid my first monthly installment on Feb5th, when I called customer care to get the…
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High interes loan
We took out a 2nd loan against the house many years ago. The losn amount was 50000 and it was at 12% interest. We know it was not agood decision but we were poorly advised and were kind of desperate at the time. We have a few years to go and it is 500 per month which is a real strain on our monies. The interest rate has…
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PCP with apparent low income
In the past I have
purchased cars with cash and run them for several years. I am now
retired and looking to move to an EV car. I intend to purchase
using a PCP. My thinking is that the technology continues to evolve
and I do not know what the residual value of EV is, so I can to some
extent protect myself from those…
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Personal Loan to Buy Land?
Hi, Im a first time user to the website but need some advice. Im looking to buy about 2 acres of land to put my daughters horse on. Can I use a personal loan to purchase the land?
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Ombudsman case
Hi, recently won an affordability complaint against a company called TM Advances via the ombudsman. They were told to get in contact with me within 28 days to arrange compensation and also to remove any negative credit report from my file. Its now gone over that timeframe and the ombudsman service just keep telling me to…
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Bounce back loan over charged
Hi there I'm new to the forum,I took a 10k bounce back loan for my company as I couldn't claim any thing from the government grants that was offered at the time and due to the pandemic and my company being ltd.Ive been paying the monthly charges by direct debit no problem not missed a payment but my payment that Barclays…
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Confused about loans
Hello, I have a question about small loans. Earlier last year, I took out a small (<£1,500) interest-bearing loan with PayPal. Later the same year, I bought an item online, on which a deal of interest free credit from PayPal was being offered, so I went ahead. As these were separate transactions, I expected them to be…
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I need advice, going to ask for my first loan
Hi, I am going to ask for a loan for the first time. It is for personal reasons and not to buy a house. Soon I will move to a different address (I have been at current one for 3 years +). Could this affect my chances to get a loan? What would be the best thing to do?
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Loan settlement vs large overpayment.
I've been approved for a lloyds personal loan for a car at 3.9%. We will probably be a in position to settle the loan within a few months of taking it due to some business money coming through but it could take longer. Settling early would incur a charge of 58 days interest added onto the balance. There doesn't seem to be…
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Alphera - PCP - Making additional payments
Hi all, I hope you can help Alphera agents are not at all helpful. I have a PCP deal with Alphera. I am wanting to reduce my monthly outgoings. I want to pay approx 75% of the total outstanding monthly payments (I have paid 12 payments with 36 remaining - its 75% of the 36 months I want to pay). I expected the 75% to…
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Home improvement loan
What is the best option to take a home improvement loan other than extending the mortgage given increasing interest rates March 2022
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Erudio Student Loans
Hi All, I need you help and advice. I have an old style mortgage student loan, 1997, that was passed on to Erudio Student Loans to administer. I've never met the earnings threshold to start paying the loan back so every year I'd send in proof of my earnings to get an annual deferral. All ran smoothly and easily until…
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Erudio Loan end of term
Hi Does anyone have experience of their loan term coming to an end with Erudio. My 25years is due to elapse in Oct 2022. I have just deferred for what I hope is the final time and my deferment is valid until May 2023. Do you need to do anything at the end of the 25yrs? Proof of income again or anything or is it just…
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Admiral Loans missing text message..
Hi mser's f.y.a. Seems Admiral Loans have a fault pending with Sky and 02 mobile networks. Log in text not received, so I'm unable to log into Account. Network providers to provide a solution whenever, thanks
