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0% finance
Hi sorry if i've post this in the wrong place but just looking a bit of advice. I'm currently looking to swap from oil to gas and have had quotations to do so and been offered 0% finance. I'm luckly enough to have the amount saved up to cover the work but was wondering is it worth it to bank the money (and not touch it)…
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Rewritten loan
For a rewritten loan do the miss payments disappear, and you start a fresh, because I have one rewritten and no miss payments on it anymore,where’s before I had about 6. Also how do mortgate lenders look at rewritten loans?
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Conned by my own bank!!!
I have a car I bought 6 years ago (cash) which is now 14 yrs old, and it's only ever passed it's MOT once! Every year it costs me more and more, we're not talking a few quid, but hundreds each time, in fact I've spent over £3500 on a car that today is only worth £250. So I've decided now is the time for a newer car. After…
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Hoist Finance UK Holdings 2 Limited
Hi, not sure if this is the right place to post, sorry if it's not. I got a letter from a company called Hoist Finance UK Holdings 2 Limited. They appear to be a debt collection agency, and have an outstanding balance of £577.53 to my name. I thought I was financially in pretty good order, so I called them to find out what…
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24/7 Moneybox Redress
Hi guys, New poster and first time thread so go easy on me please. I received an email yesterday titled "Important information from the Joint Administrators of Active Securities Limited (in administration)" regarding the Online Claims Portal. I thought nothing of it at first as any loan I had with 24/7 Moneybox was paid…
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Invalid credit agreement? - please help!
We purchased a bathroom a few years ago and signed up to spread the cost with finance via a 3rd party. There were changes made to the bathroom design and fit along the way, and a new credit agreement was never drawn up or signed. It has never been set up with the finance company. The design consultant that we used has now…
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Value of loan...
Hi I currently have a loan with an outstanding balance of £7500. The interest rate isnt great (13.5%) and i was hoping to get a loan at a better rate of 4 or 5% and pay the old one off but unfortunately after carrying out eligibility checks on various sites (post office, m&s and a few others) i cant get one to beat my…
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Amigo loans refund!!
Hi all first time posting on the forum.I stood as guarantor for my son on an Amigo loan of £3500 over 60 months back in 2016.I took over the payments as guarantor as my son was having trouble keeping up the payments.On 1st March 2021 I made a final payment of £1087.00 to clear the balance ,so the balance is shown as £0.00…
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Advice not needed anymore
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Online Loan calculator/ printable schedule
Hi I was wondering if anyone has come across or used any smart resources online for printing out payments/dates/amounts on a sheet. My partner and I have bought a car and we have a bank loan to pay back but he wants to pay weekly as that's how he's paid. I get paid monthly and that's straightforward but I want us both to…
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Hit with £13,000+ vet bill - how do we pay it?
Our family's beloved cat was sadly put to sleep on Sunday, after a serious health crisis. Money was no object for helping our precious girl, so we opted for surgery and various other treatments to save her life. Tragically, they failed. Anyway our pet insurance of £4000 was already maxed out, after a health crisis in May…
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Seller lied to me and sold me a car with outstanding Santander Consumer Finance left on it.
Hi everyone, Just need a bit of advice as you guys might have some ideas and solution for this. Purchased a car from this private seller 7 months ago. Very stupid of me I forgot to do a HPI check on it. I am now trying to sell the car due to ULEZ expansion so decided to do a HPI check before putting it up for sale. Came up…
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Additional Payments on Zopa Loan vs Trying for lower interest loan over shorter term
Zopa Loan 18500 over 5 years 14779. Left to pay (Final repayment May 2024) Current Settlement 12467 Repayment amount 434 APR 15.4% OK, I'm wanting to clear this loan more quickly. My first thought was that I'm likely able to get a better interest rate now my credit score is looking better (Pre-approved with several for…
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£50k income + 6 houses but 0% chance of a loan
Hey folks, Here's my situation. I earn an income of £50k between my salary and rental profit as per my tax return. I want to remortage a house which would bring the monthly repayments, for example, down from £450 to £250. However, my mortgage broker says I can't remortgage due to my credit card debt. I have around £30k of…
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Ex relatives trying to sue me for a gift
Hi, can anyone offer legal advise on small claims court please? My Ex in-laws are trying to take me to court over money they gave to my ex as a gift several years ago, they are now claiming it was a loan. This was never discussed and i have never asked them for money They claim the money was to help us buy a house but i…
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Voluntary Termination Frustrations
I did as much research as I could before we VT'd our car and tried to do everything right. We'd paid back more than half of the total amount payable, I sent the letter recorded delivery and got a delivery signature from the Royal Mail website. I anticipated being charged for the excess mileage. What I didn't expect was for…
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Car Finance or Personal Loan
The APR is slightly less, but is there any different impact on my credit score - also thinking of a mortgage this year. I presume with car finance, the finance is secured against the asset ( car ) whereas with Personal Loan it isn't? Thanks For any Advice!
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Loans 2 go have i been charged too much interest?
I stupidly took out a loan with loans 2 go. It was through a third party website so when I agreed to the loan I didnt realise it was over an 18 month period and the extortionate interest rate that would come with. A £500 loan over 18 month ment me paying back over £1900. I know there are rules they have to adhere to if the…
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Student Loan Arrears and Mental Health
Hi, I'm still new with this forum so please bear with me. I had a £500 student loan in 1995 and another smallish one in 1996 which Honours Student Loans (who now own them) say I have paid off in full/written off (I can't remember which). But I suffered with depression and anxiety for a number of years and I couldn't deal…
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Updated: It was a glitch in the lender's website!
I recently used the MSE service to find a loan. The results came back, along with a notice that said (for a few providers), "Guaranteed rate 2.8% APRWe’ve got them to guarantee this loan rate. If you’re accepted, this is the rate you will get" On applying through the link, I end up with an offer of... 5.9%. And, as the…