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Consolidating loans, to lower interest and payments
Might be a stupid question, but I have a range of loans at varying interest rates - some very high from past (silly) financial decisions. Separately, everything is on paper affordable, but by loan/debt profile would show that me asking to borrow the total owed amount as unaffordable which is presumably why standard…
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Letter received from Klarna Final Notice - I've never even used Klarna!
Dont know if this is right place to post mods please move if not! Received a letter stating theyve unsuccessfully tried to contact me regards to an unpaid purchase made in March this year for £124 on pay later credit agreement. Ive made no such purchase and never ever dealt with Klarna, or the merchant (DHGate) before.…
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Club 24/ capita customer management ltd
Hi, a loan was taken out against a property in 1989 with club 24 the owner passed away 5 years ago leaving it to my mother who passed 2 years ago leaving it to me. im trying to sell the property but have been informed that club24 was absorbed by capita customer management Ltd a few years back (around 2012 I think) i have…
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Paying off car balloon payment
My car finance is about to end on 2 June 2025. I have to decide whether to pay off the balloon payment of about £10,000 or trade the car and take another PCP loan for a newer car. The car is a very nice Mercedes low milage worth about £17,000. I am likely to buy the same car again, but newer. My wife wants to keep the car…
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Money being demanded for a loan I don’t know about
I have received numerous emails to an email address I rarely use demanding money for a debt I supposedly owe. The email comes from a company called ACI who say they bought a debt of mine from another company. As far as I’m aware, I am debt free. I owe nothing. So I asked them to explain to me what the debt was for and they…
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Cancelling Loan within 14 days
Hi I took out a loan to buy a car, unfortunately the car had 2 problems within the first week so I have now returned it and been refunded. My sister says I can use her car for a few months until I find a new one. Should I repay my loan within the 14 days and would that effect my credit score and my likelihood of being…
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High acceptance payday loans direct lenders
Hi!! Im looking for direct lenders , same day loan. Thanks
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HTB redemption delays
Hi, I am not sure if you can help me but... I used HTB loan as a first buyer in 2021, and last October I decided to pay them back with my savings. Now, I am not planning to sell the property before the HTB redemption has completed, because the redemption itself is stressful enough. I had a RICS survey completed and started…
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Worrying Advert from Drafty .Com
I have just seen the latest television advert for Drafty.com and they clearly state A £100 loan over 1 month will cost you £5 Would 'everyone' understand that, as simply as it is conveyed I would say the majority would understand the actual amount to be paid back is £105 NOT £5 Borderline subliminal advertising?
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Current a/c overdraft facility - buying a car..?
The maths escapes me on this one. Can anyone help? Looking (maybe) to buy a second hand car for around £5k and wondering what the most cost-effective way to borrow money may be. I have an authorised overdraft facility on my current account which I've rarely if ever used. It is large enough to meet the £5k - and I would be…
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Loans
Hi everyone new to this today , just wondering has anyone came across a secured loan that you were informed that they the company were writing it off. Then 10 years later we decided to remortgage and just as we were ready to complete it the solicitor contacted me us to say that something had came up on the title and deeds,…
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3 letter process
So I did the 3 letter process and cease and desist letter. The creditors just keep sending replies through letters and emails to take me to court.....so now what do I do?
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Lost money
My son paid off a castle community bankloan of 12500.00 on their site as discussed with them on the phone. A month later he received a statement with no 12500.00 deduction. Following that up we rang them and they said they didn't receive it. They looked into it and thought it had been paid to community finance who are…
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How far back can I see my credit file?
Hi, I am trying to claim back PCP from 2011 and 12. I have no bank statements or policy number from that time. the Financial Ombudman help line has told me I need to prove I was a customer and I could do this by showing I took out the finance with Toyota Financial Services (UK) Ltd in 2011. Is this possible? Thank you
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MBNA Personal Loan management
Hello all, I have a loan term personal loan with MBNA with an outstanding balance amount of £6,700 and 32 months left to complete. i am paying approx £20 each month for interest and around £217 each month for the repayment. i would like options to minimise the interest payments each month and perhaps alternative ways to…
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Car personal loan settlement figure - rebate calculation based in March 2025
Hi all, I am scratching my head with this one. I have a HP agreement with Santander consumer finance. I took a 5 year aggrement with them but can pay off the remaining amount after 6 months. I requested the settlement figure but on it it says that the rebate calculation are based on a rebate date of 28 March 2025. I want…
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Affordability checks for a home improvement loan
Hi there I'm looking to take out a home improvement loan (loft extension) and wondered what the bank will be looking at as I'm both employed and self-employed. In your experience, do they typically require a full tax return to be submitted, or is it just the three months' worth of bank statements/pay checks. Thanks!
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Overpayment on Admiral Loan
Hello, I have been offered a loan of £7,000 over 4 years @ £195 p/m 16.4% APR (for debt consolidation). The total repayment over 48 months would be £9389. Start date: February 2025 End Date: February 2029 If I was able to repay abit more each month for a small time, say £220 would this reduce the overtime of the loan and…
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barclays bounce back loan help
my husband took out a bbl during covid as a sole trader. we have been paying the loan back, although my husband stopped working jan 24 as he has cancer.so there is no business anymore. I have been helping with the repayments but now i have to give up work to become his carer. we will be on UC in 4 weeks time. Is there…
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Help - personal loan & financial hardship
Hi - I just wanted some advice really as I’ve never been in this position before. So I’ve had a personal loan for a few years now, there’s around £7,700 remaining and in approximately May 2024 my loan repayments were reduced due to me only working part time following having a baby. This was reassessed again in November…
