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118 118 Loan - HELP
I stupidly took a loan of £2000 out with 118 118 back last year. After 10 months of paying £159 per month I called them to enquire about settling the outstanding balance. It was then I was told that to settle the loan I would need to pay £1780. The balance on my account is showing as £2226 however this is including the…
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Natwest approved loan and then rejected
Hi, I've never posted on here before but wondered if anyone can shed any light on this... So , on my online banking I was told I am highly likely to be approved for a personal loan (although I would have a higher APR due to credit score). I am really wanting to improve my score so applied online for a personal loan from…
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Repay small student loan?
Hi all, I've read martin's post on student loan repayment but I am not sure how it applies to smaller loans. I have a student loan of £6,834.52 with an interest rate of 1.5% and I started to repay in 2018. My annual income is now currently just over £30,000 before tax. Is it worth trying to pay this in full or continue…
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Difficulty trying to settle Ikano loan.
I am trying to pay off a loan from Ikano bank, but not having much luck in obtaining a final balance. I have emailed them for the information, but am told that this will take about 10 days before I can expect a reply. It seems that this is about the norm for Ikano, and there doesn't appear to be any way of talking to them.…
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Gymophobics 12 month contract doesn’t exist?
Has anyone else had this problem. I signed a 12 month contract with Gymophobics last year which should have run out September this year. The gym closed in March due to lockdown and Gymophobics stopped taking my direct debit . After 2 months of closure with no sight of reopening and Gymophobics still not taking this I…
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Postgraduate Master's Loan
Hi all- could do with some help! I am still unsure as to whether it would be best for me to apply for/how much to apply for the post-graduates student loan, which is up to £11,000+My situation is slightly different in that my employer is paying 50% of my course fees, leaving me with £4320 course fees left to pay. I am…
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drydensfairfax
Hi, I am hoping someone can give some advice please I have received a letter today from drydensfairfax saying I have been passed over to them from Arrow Global and they want £1800 from me by the 23rd September otherwise they will take me to court, I have been paying this debt of to another company for a few years and…
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SLC demanding repayment for unpaid sum caused by their own administrative error. Loan fully repaid!
I finished paying off my student loan in February 2019, or so I thought. After switching to direct debit for the final year to avoid overpayment I ended up settling up over the phone with a couple of odd payments of £44.16 and £3.77. As this seemed strange and I was keen to make sure I had really seen the back of my…
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Take a credit agreement that will affect my score or one that won't?
Hey I wanted to make a small credit agreement purchase (via O2) on a product. I wanted to take a 6 month agreement on the product for £30 per month, however i've seen on amazon the same product is being sold on their 5 monthly instalments plan (slightly more expensive). My question - is it better to get it via a credit…
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Engine Blown on my van on finance
I purchased a van through barclays asset finance in January this year . Whilst driving it the other day the engine has blown in a cloud of smoke and rattling and is now parked at the side of the road undriveable. The garage i bought it from dont want to know, my insurance wont cover the repairs as its seen as wear and tear…
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Can you actually get a refund on a loan if it was unaffordable at the start?
Hi all, I took out a loan 6 months ago when I had no choice because I lost my job due to covid cut backs and I needed to pay rent. I haven't been able to make even the interest payments from the start and it's just building and building. A friend told me that if a loan company grants you a loan when you're clearly unable…
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Car finance
Heya folks I hope someone out there can help me I took car finance out in April 2018 over 60 mths but paid it all up in full in 40 mths when I rang the finance company they told me I was nt due and refund for the 20 mths interest I didn't use and I paid the entire 60 mths in total
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Amigo guarantor
Hi I’m wondering if I can get a guarantor removed from my amigo loan account. I’ve been with them for 3 years always paid on time so wonder if it’s worth asking as I no longer have contact with the guarantor.
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Equity
pcarrForumite1 PostHi, I own 3 properties outright and they are all in long term tenancy, however, I would like to free up some capital for home improvements, what is the most effective and viable way to do this..?
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Most Efficient Way of Financially Buying/Using a Car
Hi All, Im going to keep this brief and looking for some advice before I jump into anything, any help would be appreciated. I'm just about to pay off my Hire Purchase deal for my Car which I have taken out over 5 years. I would like an upgrade to a car around the 15k - 20k mark, with obviusly as low miles as possible for…
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Car finance and mortgage
Hi everyone, I got tied down into car finance two years ago and unfortunately at the time my credit was not great so was offered a high rate loan. I was desperate for a car as I needed it for work so accepted it. Anyway I still have three years finance at £210 but I am looking to get a mortgage next year. My last defaults…
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Borrow more than I need to get lower interest rate - good idea?
I am looking to buy a second hand car for about £5000. I usually get loans etc with nationwide as I have my bank accounts and mortgage with them and get good rates usually. I have checked their loan calculator and the apr drops from 3.9% to 2.9% at £7500, which means if I borrow 5000 over 60 months at 3.9% it costs me £502…
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Section 75 Laptop out of warranty
hi all just want to double check I'm doing things right here, on 31 jan 2019 I purchased a high-end gaming laptop (just short of £2000) i barely use it as I have a high-end pc so only use the laptop when travelling I think i'd be lucky to have used it for 150 hours over the past couple of years, but that aside it…
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Natwest loan settlement figure
Can someone help. I have a natwest loan and wish to pay the settlement figure. But I want to do this without the hassle of calling. Does anyone know if I can do this through my online banking?
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Signed up without my consent.
I was recently looking into a loan, wanted to check interest rates etc. I ended up at loan-panel.co.uk via a link from either credit karma or totally money. I'm not sure, But they took my info including my card details for an age check. Seemed all legit and did not notice anything wrong. This was last Friday, Fast forward…
