-
Used Car and Part Exchange gone wrong
Hi, I need advice as my recent car purchase has gone terribly wrong and can i now get a full refund as the main fault in dispute was discovered and reported just before the 30 day period... Just bought a 26K Audi A6 a month ago, on collection day all seemed ok and went well initially until i got home and discovered the…
-
Creation Finance
Hi, i am trying to make an online payment to Creation Finance (Currys Purchase) for the past few days, but it says their site are down. I am not on the phone for over a half hour waiting to talk to a representative to see what is going on. Is this happening to anyone else. They are a complete disaster!!
-
Creation Finance Nightmare
I bought a new TV on Currys/PC world a few months ago using their finance deal and I've had non stop issues since - Their direct debit system does not work, even though I have everything set up correctly, and if fails to take my money on the due date like it says it will on their own website - and now every month I'm…
-
Pre-selected mean sweet FA!
Just been awarded higher rate mobility for PIP. Rather than use my award to get a car I'll never own, I decided to apply for a loan after seeing "You have been pre-selected for a loan of £45000" Applied for £10000 and didn't get it. Do I have any comeback against my bank?
-
Secured Loan - Black Horse secured loan sold to IDEM Servicing
Hi folks Looking for some advice on how to deal with IDEM Servicing - had a secure loan with Blackhorse who sold the debt to IDEM and am now owing 4 times what the original loan was for. I've had issues paying the debt but tried to ask for a settlement figure to be told they don't do that - I need to repay the entire…
-
Loan eligibility
Hi, I did a loan eligibility search via the MSE calculator and there were 2 that said 100% eligible for an 18k loan (pre approved) one with Zopa and the other with Admiral. I earn just over 46k (plus up to 2k in bonuses and odd bit of overtime, which I didn't include) but for various reasons I owe 18k on credit cards which…
-
Split Tariff Contract on Mobile Phone AKA Unsecured Loan
I entered a Split Tariff contract with O2 in January 2021 and consequently the cost of the handset shows as an 'unsecured loan' on my credit report. I am looking to buy a house sometime in 2022. Will it improve my position in terms of credit score/chances of a better mortgage agreement if I pay it off in full prior to…
-
Should I ask to have a loan removed from my file if it was missold?
Hi, I had some success claiming from high interest Bamboo loans I had a couple of years ago. They agreed to repay the interest on a number of loans I had with them. I did pay these loans on time, and in full so I haven’t asked for them to remove any traces of the loans from my credit file. Is this the right move? I’m not…
-
Repaying loan arrears
Good morning! As with many folks I had to take a payment break on my car finance repayments during covid as I had lost my job. This led to several months of arrears building up, about £1000 total arrears. These arrears now need to be paid but I cannot afford to pay them just now, I can still manage the usual monthly loan…
-
The end of an Interest Only mortgage?
Hello Here is my situation; - 60 years old - £200k interest only mortgage (Santander) - expires in 4 years - Home worth approx £400k - No endowment to cover So I was wondering if I did absolutely nothing at the end of the mortgage term, would Santander move to repossess the property immediately? Given my age and earnings I…
-
Charge on property - no account number (Endeavour Personal Finance / HSBC)
I am currently selling a property which I own my ex-husband and the title deeds have shown up a second charge on the property for HSBC. Following some digging I have been told the original charge was placed by Endeavour Personal Finance in 2007 (Endeavour went bust several years ago and HSBC took on their loans according…
-
Missed Payment Rights
In April last year I took a covid payment break from my mini financial monthly loan. At the time they told me to cancel my direct debit. Following a 3 month break they wrote to me and said my monthly payments would be reinstated and I took the option to add the payment break payments at the end of my agreement. Since then…
-
Merged: Hoist financial
This discussion has been merged.
-
To Helidoor and back
Hoping somebody has some advice before we finally call them. The synopsis is: We had an unsecured loan with Northern Rock on top of a mortgage. 110%. Used it for the deposit, etc We sold the flat 7 years ago but couldn't afford to buy again as prices spiked. Paid off the mortgage but kept a bit of equity (in hindsight,…
-
No one will give me a loan
My credit score is pretty good 750/1000 on clearscore and I've not missed a payment for anything in 4 years but the bank want allow me to borrow any more money on my existing loan, I only got 5 months left on my loan, I also checked on clearscore for loans and no one wants to lend me nothing. I did take money out on my cc…
-
Borrowing extra when remortgaging good or bad idea?
Hi, current pandemic situation aside is it it generally a good idea to borrow a large sum of money when you remortgage? As in, my house was bought for £350k, mortgage owed is down to £300k now and house is worth £425k so I have a decent amount of equity and want to borrow say £50k to pay off a few cards and do some work on…
-
Bounce-Back loan
Hello. My son had a good business which was ruined by the COVID situation. He took out a personal (his company was not Limited) loan from HSBC of £50,000 when he had hopes of resurrecting his business. Now the bank are demanding his loan be repaid, or they will make him a personal bankrupt. He has only just started a new…
-
Medical Loan or Personal Loan
Hi all, new to the forum so please forgive me for any mistakes! I'm currently looking at private surgery for something which I can not get on the NHS. The cost of my surgery is £7800, and I have £2800 saved for it. But will need to secure a £5000 loan for the rest. I have spoken to the hospital providing this surgery, and…
-
Avoid Motonovo If You Value Your Credit Worthiness
Yet again this company has screwed my credit file - my payment was 3 days late which I fully accept was my own fault for not checking whilst working away but the payment did go through 3 days later - did this company report it as a late NO reported as a missed payment even though they had taken payment, then take the next…
-
Better rate on a recent loan
I took out a Santander loan in July at a rate of 14.9%, the best offer available at the time for me. Since then my credit situation has greatly improved and when I checked the mse eligibility tool it offered a 100% eligibility rate and guaranteed rate of 8.2% with Admiral on a quote for loan consolidation. This would…
