-
making a payday claim
Hi. A friend of mine has multiple old loans from lending stream and morses club. They were in a financially strained position when they took them out. It seems to me they probably have a good case to claim a refund but they don’t want to deal with it as they don’t want reminding of it and don’t feel they know what they are…
-
Creation Finance - partial settlement advice please
Hi I changed cars on 6/6/2021 and financed the new car using Creation Finance. I borrowed £10349 over 5 years with payments of £226pm starting 6/7/21. Total due plus interest is £13585.80. I had some money due to me so paid £3000 as a one off to against the 'principal' and transferred it on 15/6/21. My intention was to…
-
Bounce Back Loan Remediation Emails ?
I took out a bounce back loan last year in June with HSBC. They requested a print off of my self assesment statement 2018/2019 as well as all of the other evidence you have to give them.. i did all of this, sent it all to the relevant departments, and to my amazement, my bbl went into my account not long after. since then,…
-
Failed loan application. and actual processed credit application ...
I am trying to discover why I keep getting turned down for a bank loan. I received a copy of the bank application process from the bank in question by doing an SAR. They have sourced Equifax and Experian and when examining the details of the report. The Experian check shows two addresses the one from Equifax appears to…
-
Student loan pre 1998, cancel date?
Hi I have 3 student loans from my university course. Taken out 1997, 1998 and then 2000 (I didn't get one for my 3rd year) I think they must be soon coming up to the point when the get cancelled. I'm a part time nurse so never been paid enough to have made any payments on them at all. My boss has recently offered me some…
-
Reducing Interest
Hi there, just wondered if anyone has any advice to cut down loan interest owed? My partner has a big loan of around £11,000 with 4 years remaining. Pays just under £350 per month, with interest nearly £100 too as the rate is high. I wondered if it is possible to reduce this at all. It is a loan through her current Bank.…
-
Loan application refused wheres best to apply and why was it refused
Hello everyone Would like some advice please my fiancé tried to apply for a loan she has a credit score of 580 out of 700 on one credit checking site, no defaults and a full time job working for nhs on £25k.she pays all her payments on time to. She currently hae a consolidation loan which has 7k left which she got through…
-
Barclays reviewing sale of Partner Finance Loan for Solar PV Panels
Shall I help them review the sale? In 2015 we took out a Barclays Partner Finance Loan to purchase Solar Panels from Clean Green Home Energy Ltd. Barclays just wrote to us that they want to review the circumstances surrounding this loan. For this they want to better understand our experience with GGHE during the sales…
-
Settlement for unenforceable debt?
Hi there, can anyone offer advice? I took out a loan from Welcome Finance in 2007. I topped this up twice - they were VERY accommodating at the time, almost encouraging. I then defaulted in 2009, I was a newly single mum - I hope I don't need to explain. I got a CCJ for just over £7000 with all the costs etc. Over the last…
-
Overdraft Charges
I recently made some payments into my partners bank account as he had no money, so that he could buy something online. Since then he’s receiving OD charges. What I don’t understand is surely if the money I sent hadn’t gone into his account immediately, why would the bank allow him to pay for something online and go over…
-
want to change car finance
Hello all I got car finance from Oodle last year as I had an outstanding ccj and a credit card default and that seemed to be my only option. Since then the CCJ has gone and everything is clear I have a credit card that I clear every month and my credit score with all three agencies is good. What I'm getting at is I want to…
-
Bank Employee Loan
Hi all, Just been offered a job with RBS and all of my pre-screening checks have been cleared. Just wondering if anyone here works for NatWest Group or any other high street bank and can confirm if bank carry out credit checks for employees when the apply for a loan or credit card? I’ve got some debt I’m looking to…
-
Early Settlement Figure help
I have a Mercedes HP finance agreement which I have ended early after just 40 days. It was a 48 month term at 5.9%. The settlement figure given by Mercedes is around £365 more than I work out and they cannot give me any workings or tell me why. My workings are as follows: original amount to finance £45,168 + 40 days…
-
MSE News: Provident to limit loan mis-selling payouts for 4m customers under new redress scheme
Anyone with a current or future guarantor, doorstep or payday loan mis-selling claim against Provident, Glo, Greenwood or Satsuma, some of the sectors' biggest lenders, likely won't now get the full amount they're owed. It's because the High Court has approved a new scheme put forward by the firms' parent company, which…
-
PCP Finance - Balloon Payment vs GFV
I put down a deposit on a car at the weekend and agreed a PCP deal whereby I inflated the mileage (30,000) to increase my monthly payments to get the balloon payment/GFV of the car to £15k. I plan on buying the car at the end of the term (I have looked at HP but the monthly payments are too high). I took this approach with…
-
CCJ REMOVAL
I found out I had a parking ticket and googled how to remove it - i came across a company called Lender and Court Services , they were very chatty at first and seemed helpful , I thought they were a law firm but the more questions I asked the more I became suspicious , by the time I go to the bottom of it they werent…
-
Refund letter from Elderbridge
I've received a letter telling me I'm owed a refund from an historic loan. Has anyone else had one? Not sure if it is legit. Thanks
-
Welcome finance/Coast finance
Hi looking for a bit of advice please i had a secured welcome finance loan in 2006 anyway after them hassling me in 2012 for one missed payment and a torrent of abuse over the phone I did a SAR which shows charges and Ppi and not the correct amount borrowed so tried to follow this up with a CCA which ended up in a serious…
-
Hire purchase cancel within 14 days
Hi, I cannot find simple answer if hire purchase loan can be cancelled? i took it yesterday (in person) and was told to pick the car on Monday. i paid some deposit and the rest will be on collection. however I now decided that I no longer want this car as it’s too much per month to pay. is the 14 cooling period applicable…
-
Newday Aqua Loan closed direct debit cancelled
Hi I'm just wondering if this has happened to anyone else? My newday loan (and my husbands) have both been closed with a zero balance (according to experian and clearscore) and the direct debits cancelled (by newday) Before I call them, just wondered if there was some known issue? Thanks in advance