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APR on offer
My online banking allows you to check out how much you can borrow and what the actual APR will be on the loan. I checked this out last week as I’m thinking of buying a new car and it was 3.3%. I still had less than a year to run on a current loan I’d taken out for my current car so I decided to repay the loan in full…
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Need a car!
Hello, This is my first time posting and I would appreciate any help anyone can offer... I live with my partner and 2 year old son, I earn £26,160 per year which is our only income, I pay £800 a month rent and we receive around £500 in benefits per month. I have no debt and a credit score of 902 on Expedian. We desperately…
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Early Settlement on HP Car loan
Hi all, I took out a HP loan to purchase a car in Nov 2019. As I had woeful credit history at the time, the APR on the loan was staggeringly high. Obviously with hindsight, this was a very stupid thing to do, but I did it, so no point dwelling on it. I've learned from it. My credit file is now in a really good place though…
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My name has been listed as a creditor on a DRO…
does this mean that I will never get my money back? I lent a now ex friend, £250 to do courses to further their career. She didn’t start paying back until 18months later, paid £95 in sporadic payments and then stopped. Her reasoning being that I had more income than her (?).She distanced herself and started ignoring…
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Future Loan App and FTB - Looking for Advice
I am a first time house buyer and once I have bought the house, I am looking to do an extension which will cost approximately £30-35K. I currently have a loan of £15K at 13% with the bank at 60 months (high street bank). I have had a look at "potential rates" through the bank "offers for being likely/very likely/unlikely…
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Ex Family loan for business start up
I’m looking for advice about a loan myself and my ex made from his father. We borrowed £5200 to start a business over 3 years ago which failed. We signed a printout to say we borrowed the money and would pay it back, however since separating nothing was said. Then out of the blue, he has contacted me to say I owe £2600 and…
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Our brother wants to lend us money to help us buy a house - how to protect everyone’s interests?
Hello All, this is the situation we need help with:- My sister, brother and I are buying a house, using inherited money, that my sister and I will live in, and that will hopefully generate an income for my sister and me (AirBnB). Our brother has a house of his own as well his business premises and part ownership in other…
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Provident & Claim Action
Good afternoon I wonder if anyone can helpMy ex wife recently got in touch as she had been contacted by Claim Action via her response a Facebook post. Apparently they say that due to recent legislation changes old provident loans customers can claim back the interest charged. As we both had loans out during our marriage…
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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…
