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Creation Loans - Incorrect number
I wasn't sure where to post this. Sorry if it is in the wrong section. I have a loan company that keeps calling me (usually twice a day) and they have the wrong number. I have spoken to them five times about this and emailed their company six times but they keep calling. I have their number blocked now but I can't block…
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Loan to pay off credit card?
Business was hit hard by pandemic. Self employed and I fell through the cracks of furlough and got nothing until the 4th grant this year. Had to live off the credit card for a few months last year and now got 5k on there @ 18% Looking to get a 5k loan to pay off. I know a loan to pay off a card isn't ideal but there's zero…
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Selling a loan
Can a loan be sold without your knowledge? Had a loan with new day and noticed the payment hadn’t gone out this morning. Logged into my loan account to discover it’s been sold to asset link capital no 7? I’ve not been informed, had no paperwork etc. Can they do this?? I’ve called them this morning as I was worried a…
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Personal Loan to pay remainder of property?
I am currently short about £10,000 - £15,000 to fully buy a property. I don't really want to go the mortgage route and most high street banks say you cannot use a personal loan to buy property. Does anybody know any lenders who are ok with this purpose please?
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Help please if poss
Hi I know I was stupid but I got a few c c to tide me over totally stupid I have debt approx 3 grand ..I know I was stupid but am asking for advice please as am sick with worry..I am wanting to get a loan to pay off them all I know I can afford the monthly loans payments..had anyone had any experience with freedom finance…
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making a payday claim
Hi. A friend of mine has multiple old loans from lending stream and morses club. They were in a financially strained position when they took them out. It seems to me they probably have a good case to claim a refund but they don’t want to deal with it as they don’t want reminding of it and don’t feel they know what they are…
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Creation Finance - partial settlement advice please
Hi I changed cars on 6/6/2021 and financed the new car using Creation Finance. I borrowed £10349 over 5 years with payments of £226pm starting 6/7/21. Total due plus interest is £13585.80. I had some money due to me so paid £3000 as a one off to against the 'principal' and transferred it on 15/6/21. My intention was to…
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Bounce Back Loan Remediation Emails ?
I took out a bounce back loan last year in June with HSBC. They requested a print off of my self assesment statement 2018/2019 as well as all of the other evidence you have to give them.. i did all of this, sent it all to the relevant departments, and to my amazement, my bbl went into my account not long after. since then,…
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Failed loan application. and actual processed credit application ...
I am trying to discover why I keep getting turned down for a bank loan. I received a copy of the bank application process from the bank in question by doing an SAR. They have sourced Equifax and Experian and when examining the details of the report. The Experian check shows two addresses the one from Equifax appears to…
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Student loan pre 1998, cancel date?
Hi I have 3 student loans from my university course. Taken out 1997, 1998 and then 2000 (I didn't get one for my 3rd year) I think they must be soon coming up to the point when the get cancelled. I'm a part time nurse so never been paid enough to have made any payments on them at all. My boss has recently offered me some…
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Reducing Interest
Hi there, just wondered if anyone has any advice to cut down loan interest owed? My partner has a big loan of around £11,000 with 4 years remaining. Pays just under £350 per month, with interest nearly £100 too as the rate is high. I wondered if it is possible to reduce this at all. It is a loan through her current Bank.…
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Loan application refused wheres best to apply and why was it refused
Hello everyone Would like some advice please my fiancé tried to apply for a loan she has a credit score of 580 out of 700 on one credit checking site, no defaults and a full time job working for nhs on £25k.she pays all her payments on time to. She currently hae a consolidation loan which has 7k left which she got through…
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Barclays reviewing sale of Partner Finance Loan for Solar PV Panels
Shall I help them review the sale? In 2015 we took out a Barclays Partner Finance Loan to purchase Solar Panels from Clean Green Home Energy Ltd. Barclays just wrote to us that they want to review the circumstances surrounding this loan. For this they want to better understand our experience with GGHE during the sales…
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Settlement for unenforceable debt?
Hi there, can anyone offer advice? I took out a loan from Welcome Finance in 2007. I topped this up twice - they were VERY accommodating at the time, almost encouraging. I then defaulted in 2009, I was a newly single mum - I hope I don't need to explain. I got a CCJ for just over £7000 with all the costs etc. Over the last…
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Overdraft Charges
I recently made some payments into my partners bank account as he had no money, so that he could buy something online. Since then he’s receiving OD charges. What I don’t understand is surely if the money I sent hadn’t gone into his account immediately, why would the bank allow him to pay for something online and go over…
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want to change car finance
Hello all I got car finance from Oodle last year as I had an outstanding ccj and a credit card default and that seemed to be my only option. Since then the CCJ has gone and everything is clear I have a credit card that I clear every month and my credit score with all three agencies is good. What I'm getting at is I want to…
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Bank Employee Loan
Hi all, Just been offered a job with RBS and all of my pre-screening checks have been cleared. Just wondering if anyone here works for NatWest Group or any other high street bank and can confirm if bank carry out credit checks for employees when the apply for a loan or credit card? I’ve got some debt I’m looking to…
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Early Settlement Figure help
I have a Mercedes HP finance agreement which I have ended early after just 40 days. It was a 48 month term at 5.9%. The settlement figure given by Mercedes is around £365 more than I work out and they cannot give me any workings or tell me why. My workings are as follows: original amount to finance £45,168 + 40 days…
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MSE News: Provident to limit loan mis-selling payouts for 4m customers under new redress scheme
Anyone with a current or future guarantor, doorstep or payday loan mis-selling claim against Provident, Glo, Greenwood or Satsuma, some of the sectors' biggest lenders, likely won't now get the full amount they're owed. It's because the High Court has approved a new scheme put forward by the firms' parent company, which…
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PCP Finance - Balloon Payment vs GFV
I put down a deposit on a car at the weekend and agreed a PCP deal whereby I inflated the mileage (30,000) to increase my monthly payments to get the balloon payment/GFV of the car to £15k. I plan on buying the car at the end of the term (I have looked at HP but the monthly payments are too high). I took this approach with…
