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Pay off loan to get bigger loan
Hello, I took out a loan of 12k last year to buy a car. Im looking to sell this car now and pay off my existing loan as the value is worth more than the loan. I would like to get another loan soon after (20k) as im able to secure a decent rate due to good credit. My bank told me i might get declined because they have a…
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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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Loan to a friend and tax
Good afternoon people. I've got a question in regards to tax. My situation is as follows: I've lent 2000£ to a friend to start a business. I know I will get the money back, that's not the issue here. The money was lent this way: he bought a van for 1200£, I paid 600£ to the owner through bank transfer, 350 in cash from my…
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Student loan.
A family member going to university this month tried to set up his student account. It was declined because they said he had a mortgage. After doing a credit search we found that it had a mortgage on it. He has only just turned 18 and obviously never had a mortgage. How does he get it removed? Thanks
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Onstride Grant Thorton sold to Lantern
Hi, Did anyone receive a message from onstride/cash euro net or grant thornton about them stopping payments on 23 august 2021 because I never. So I checked my bank account last Friday and today to see if onstride was on there nothing so I rang up onstride today and they apologised that no one informed that no payments are…
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Bamboo Loan Refund
Hi All, Im new to this so please bare with me. After some great information i read on this site, i decided to reclaim unaffordable loans. Ranging from payday loans to one guarantor loan with bamboo. I took out several loans in a 6 month period in 2016. During that time I was in the midst of a mental health breakdown. I was…
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Problems getting answers from Student Finance England
Does anyone know how to talk to an actual human at Student Finance England? Every channel - and I mean everything, from email to phone lines to social media - is operated by automated technology and is designed to stop you querying their processes and decisions (sounds cynical I know, but I have some knowledge of how and…
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Overpaying on PCP as mileage has not been as predicted
Greetings - When I took out my PCP agreement in Jan 20, on a used vehicle, my predicted mileage was 25,000 a year. Last year I did about 4000. This year I'm likely to do more, but much less than 25,000 per annum. I'm therefore massively overpaying on my PCP and having spoken with the finance company I've been told there is…
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paid a lump sum off of mortgage
Hi paid a lump sum off my mortgage through Lloyds Bank to the Halifax, Lloyds bank said that the fpo will reach them within 2 hours ,kept checking online my Halifax mortgage account, it was not showing ,phoned up the Halifax they said it would , take 3 to 5 working days to show ,they checked the payment details were…
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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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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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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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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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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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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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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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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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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…
