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PROVIDENT
Had a letter about getting a refund. Is this legit or is it a scam Thanks
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HSBC Unaffordable lending - Loan setup with NO affordability checks.
Hi all, just looking for some advise. The short version: * Got divorced. * Agreed with wife I would pay her out & I would keep house. * HSBC say early repayment charged would need to be paid on joint mortgage. * Closed out joint HSBC mortgage and replace with HSBC one solely in my name. * HSBC tell solicitor Early…
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Equity release surveyors!
I will try to keep this very short! Two years ago we applied for equity release and a surveyor was sent to value the house. He stayed for an hour, asked us what we wanted and took photos of inside the property and the garden. He commented that we were on an acre plot. The property was valued at £365,000 We had the…
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Unlikely to get a loan despite excellent credit and no debts
Hi all, I am looking to take a personal loan out to buy a car (£8k). My aim is to fully own in 24 months. I earn £55k pa, and have no debts. My wife earns 22k and has no debts. I pay off a credit card each money - it’s never more then £200 and it’s to accrue points. I tried to take a loan out and was shown as unlikely. I…
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Loan after mortgage
Hello everyone hope your all well, I have just completed this week and got my keys on Tuesday , I was wondering how long I should wait to apply for credit ? I’ve seen this present I want to get on goldsmiths which is with v12 finance group , and was just wondering when I should apply for it ? It’s £5500 in credit , but…
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Struggling to get help from Moneyboat after making them aware of impending redundancy
I made a terrible mistake of taking out a Moneyboat pay day loan a couple of months ago. My credit is fairly poor and it was my only option at a time that I thought my job was stable, meaning I thought the loan was affordable. My credit is poor due to historic debt, but had been improving until last July when I was made…
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Student loan - other dependents
Re posted as there seems to be more traffic here I'm trying to understand how student maintenance loans will work in my circumstances, Currently my partner is in yr 2 of a 4 yr degree course and get the maximum loan, in part to my income and him having children - happy with that. Next academic year child 1 starts uni,…
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Recommended guarantor loan - something like Amigo Loans?
My son (25) has always been self employed and never had a credit card or any sort of loan.He now needs a loan of circa £6,000 for musical related equipment - not work related (yet!)I know amigo loans offered a service where a parent/friend could be the counter signatory on a loan and this helps him establish a credit…
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Student Loans / Parental Contribution
As parents we work hard to support our children and then if lucky enough, they get into University and we still have to contribute once they are adults. Has anyone ever asked why this contribution that we have to make is not taken off before we pay our income tax or national insurance contributions?
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PCP Car Finance Mis-selling
Recently commenced an enquiry on PCP mis-selling, 'owned' a certain German manufacturer's car since 2007 renewing every 3-4 yrs on PCP which always bothered me in terms of charges, mileage etc. I have been told that I am owed aprox. £13k on 2 agreements (you can only go back a certain time) which are made up of 1. unfair…
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Sainsbury’s Loans system change
Hi everyone, I want to get peoples advice/experience/opinions on whether my recent experience of requesting a settlement for my Sainsbury’s loan taken out in 2016. It’s a bit complicated so bear with me. I borrowed £10,000 and was offered the loan with £3500 interest which I agreed to and then started making monthly…
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The Government will at last tell students in England about the university ‘parental contribution’
The universities minister for England has agreed to MoneySavingExpert.com founder, Martin Lewis’s, call to be upfront with students that their living loans are reduced – often by £1,000s – due to family income, and parents may need to fill the gap... Read the full story: The Government will at last tell students in England…
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Loan settlement figure much higher than original amount - surely can’t be right?
Hi everyone - apologies for the clickbaity title but hoping you can help! This all looks a bit fishy to me but I could be totally wrong. So I’ve been quoted an early loan resettlement from Hitachi which is much higher than the initial loan was taken out for. I’ve fallen foul of the ‘buy now pay later’ element I think. So…
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Car finance voluntary termination and covid payment break, help please!
Hey, Just looking for some advice prior to contacting the finance company (money barn). Recently voluntarily terminated a vehicle as more than half of the balance was paid. Car was in immaculate condition and had less millage than expected. Car was collected and all seemed well. I've now received a bill through the door…
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Santander loan high interest rate
Hello, I have a Santander loan which is £2250 over a period of two years. When I applied the interest rate being advertised was 17% but I'm actually paying 24.9%! Can anyone advise me on why it's so high? I've been with santander for twenty years but also have had two previous loans with them. I have never missed a payment…
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Is it possible to joint/co-sign for £8000 if I've had IVA completed two years ago.
Hi everyone, I'm looking at the world of possibilities that are open to me currently to pursue a career change and I'm looking a ways of getting a little money to open a small window speed things up. I've made a few choices with my debt in the past that seem to hamper me personally. My question is: 1) Is there any way I,…
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Credit Agreement - Cooling Off Period
Apologies, not sure if this is the right forum but looked like the closest fit! I took out a new phone contract with Virgin at the weekend which involved a new credit agreement for the handset. Despite taking my address details as part of the credit agreement (and sending the settlement for my old contract to the correct…
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What's the best thing to do with redundancy money?
I have a car loan of just over £10000 but also really want to buy a house. My redundancy is nearly £21000. Should I pay off my car loan which finishes in 3 years or keep the money for a bigger deposit on a house?
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Credit Score Causing Problems
Hi folks, So I need some help with my credit score via Experian its classed as 'Fair' and as such I cannot get a loan anywhere - no matter how small and its insane - I'm pitching for £5k. I have more than I want to borrow spread across various bank accounts (all with Halifax) but I'd rather have that money work for me and…
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student loan mis information
Hi Martin I am a fan but I think by constantly telling kids not to see the loan as a barrier to education you are not acknowledging the infairness of the system. My daughter is in her second year at St Andrews. We are a very normal family. My husband is a police officer and I am a Domestic Energy Assessor . My daughter…
