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First time Car Finance: Figures provided feel too good to be true
Afternoon, I was wondering if anyone would mind having a look at my figures and help me believe what I'm seeing. It all feels too good to be true, as last time I checked, my banks were offering me APRs 12% and above. Friends and family keep reminding me that PCP is more expensive overall, which is what has me confused. I'm…
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Default removal.
Hi, Lendable wrongly issued me a default , they emailed in writing and said they’d compromise and remove within 30 days if I made payment in full which I did. It’s now been nearly 3 months and still no progress . I’ve emailed 3 times and keep getting told they’re liaising with their internal teams. Can anyone advise next…
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Quick £200-£250 payday loan
I am looking for a website probably payday loan where I can get £200 with a credit score of 260 points. I have never had any loans and I know that my credit score is quite low. I have checked many sites but every payday loan refused to give me a loan. It seems to me that these sites exist only to steal personal…
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Template for a loan between friends?
My son and his gf split up (fairly amicably) a couple of months ago however she owes him around £20,000. He feels confident she will pay him back in the next couple of months (bank loan or loan from her parents) but I feel it would be a good idea to put something in writing, dated & signed, ie some form of guarantee. Is…
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Premium Credit email scam
Just got an email from Premium Credit telling me my annual statement is ready, I have never heard of or used them before, is it a scam or is someone taking credit out in my name? I have not replied or clicked on any link as I was immediately suspicious.
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restons hfc hsbc mfdp added high collection charges
HSBC HFC RESTONS I had a loan with HFC bank, When I got into difficulties because of serious illness, it was passed on to restons for collection, Restons added between £4000 AND £5000 to the account, for collection charges, I have read that these charges were illegal and should of been removed by HSBC , I have been getting…
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Loan offer has interest rate much higher than advertised
I need to get some repair work done on my home and I applied for loan that said I was Guaranteed to be accepted at a rate of 6%. But the offer has came in way higher than that amount, its 13.5%. There is no way I am accepting the loan at that rate. I just got an email saying go to this URL and sign the agreement but there…
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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…
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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…
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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…
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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…
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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
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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…
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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…
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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.
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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…
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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
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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…
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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…
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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…
