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Car Finance - Voluntary Termination query
Hi, so a year and a half ago I brought a Fiat 500 on finance. On Monday the car literally exploded and part of the engine fell out. I have been told that I cannot bring a case against the dealership for the car not being acceptable for use as it's too long after I brought it and as it's still on finance my only option is…
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Black horse loan on faulty caravan
Hello all, Last year we purchased a new caravan on HP - the previous one had been PCP and rather than pay the bubble payment, we upgraded. Thanks to 'Rona, we couldn't pick it up until June, and then the first trip was August. After a week or so, I noticed water leaking through into main area from the shower. We hunted for…
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Recommendations for companies offering student car loans ?
Anyone recommend some good companies where my daughter can search for a car loan. She is a student but also works part-time Thanks
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Secured loan to pay off DMP
Hi I’ve got a DMP, it’s over 6 years old, I’ve paid off chunks as and when I can when I get a bonus from work or have spare cash, but I’ve still got 18k left on it. We want to move house in the next couple of years and use some of our equity to clear the DMP, but know that any decent lender won’t look at us with a current…
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Wren Barclays Partner finance
My husband and I have been ti wrens for a kitchen whuch we want to do on finance, we've paid the deposit and now we are worried we wont get finance, my husbands score is 997 out of 999, with only the mortgage as a debt, mines n9t as giid 809, but im really worried we arent going to get the 0% finance, anyone had any…
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TSB cancelled loan after agreement was signed
My husband and I wanted a loan to pay of a couple of some high interest debt . We decided to do it in his name as he has an excellent credit (experience). Through Experian we were offered a TSB loan at 3.7% completed all paperwork, electronically signed everything. Told it would be in the bank within 2 days. Went to bed…
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Starting a business with bad credit
Hi , I have recently been given the opportunity of a lifetime to have a small investment In a company that I have been working for for the last 6 years . Over the years I have worked with this small company and have worked closely with the owner helping to build it to a really good position. He recently decided to expand…
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Car Finance Options
Hello all, I'm after a bit of help understanding what option would be best for us when we replace our car. Apologies for the long post - skip to the second to last paragraph for my actual question! As a bit of background, I have an 11 year old Kia Picanto and my other half has a 12 year old Ford Fusion - both at the point…
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Buying a park home
Hi im looking for the best possible loan to finance a park home im 63 years old, retired on a private pension and not a homeowner Looking at around £60,000 over 15 years Thank you in advance
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Loan - change of circumstances
Hi folks, Looking for some guidance. Won't bore you with exact figures. I took out a personal loan out about 6 months ago to complete a loft conversion. Unfortunately our circumstances recently changed which means we aren't doing the loft conversion anymore as we need to sell the house to be closer to family members…
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Student loan deductions on maternity
I am currently on maternity leave with my first child and I am being paid the remainder of my maternity pay in a lump sum due to a take over of the firm I work for. I am on statutory maternity pay and because I am being paid it in a lump sum I have been deducted over £400 in student loan repayment. I called student loan…
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Business loan sharks
This is a long one I’m afraid! Can anyone advise on business loan sharks? We took a loan out back in February 2020. I don’t want to say who with as they’ve already been identified as unscrupulous! Our loan was for £20k to enable us to get going however, a short time later COVID hit. We are in the entertainment field so up…
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Loan or Mortgage
I'm mortgage free but I want to have an extension built. However, I'm not sure what sort of loan I need. If I look at home improvement loans, they typically only go up to £50k. On the other hand, mortgages appear directed at first time buyers, people wishing to remortgage/move to another lender, or people wanting to move…
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When is it worth paying off Student Loan?
Current Balance - £11500 - Plan 2 Salary circa 50k Currently seems expensive with a rate of 5.17% per annum.... Even a mortgage or personal loan seems cheaper!
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Northern Rock Loan - Where to Start?
Hi, I'm very new here, this is only my second post as I brave lifting my head *out* of the sand, so to speak, and I know that there is a *huge* amount of info re Northern Rock mortgages/loans, which is why I'm posting really as I'm already feeling a little overwhelmed. I would appreciate any help or advice so much. We took…
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New car finance, dealership being funny
Hi all, Sorry if this is in the wrong area but I paid £16000 down-payment on a 2011 plate land rover and the remaining balance being paid on finance, I haven't even had a chance to test drive it yet. I have had a look at the previous MOT and requested the dealership to correct everything that is wrong with it before I take…
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Legal Advice
My loan company have recently accepted liability for changing my payment date without my authorisation. This lead to escalating into missed payments, false arrears and generally a big mess on my credit file. To get to this stage has taken 8 months. Am I right to consider them in breach of contract ? 🤔 what are my options ?…
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amigo loans
Hi, so i need some help and don't know where to go... I got an amigo loan out when i was 19 for £3000. Amigo never asked for proof of income or bank statement when i got accepted for my loan. Then they accepted my guarantor who is retired and can't cover my monthly payments if i can't afford them. I used the letters on…
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Early PCP Car Payments....
I usually pay my car payments early to save interest. However, I have got a PCP loan this time, to keep payments down each month. If I want to make additional payments each month (say 2 months per 1 month, i.e. monthly payment is £200 but I want to pay £400) how is this allocated? I.e. effect the balance/balloon? Have it…
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Loan calculator and how to complete
Hi, I am about to complete on the sale of our house, the mortgage of which was in my late partner's name so I am currently not a home owner or have a mortgage. The proceeds of the house is going to partly pay for my new house but I will need a loan of £20.000 to make up the shortfall. I will have enough income to repay…
