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Pay off loan?
A family member got a loan for me a couple of years ago I owe £6k on it and it a low rate. I have £6k savings should I clear it and be £220 a month better off and start saving again? Difficult
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Paypal Credit changing T&C's and increasing APR
Hi all, Just received an email advising that Paypal Credit are changing their T&C's This is an extract from the email received The way to prevent this increase is by the looks of it is by closing the account I contacted Paypal and they confirmed that existing promotions will continue to end of term but if there is any…
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HOIST FINANCE
I have received a letter from Hoist Finance saying they have taken my loan over from Robisnon Way. I have been paying RW £5 a month since 2012. But have always disputed that I owed the money to Lloyds, Due to a complaint at the time from 2010. I asked Hoist to get a copy of the original agreement which they are unable to…
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Student Loan Write Off Loophole Discriminates Against People with Mental Illness
I am writing this with a sense of despair and anger. Honors Student Loans are using a loophole to prevent me from deferring my loans. They are using another rule that I consider discriminatory against anyone with a mental illness that prevents them from working. In my case, I've not been able to work since 2006. The…
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Rejected for 0% loan but does not say failed credit check
Hi After any advice , so in the past couple of months I've applied for a couple of loans to take advantage of 0% offers. one from Stormfront(Klarna) and one earlier today from Samsung (Paypal Credit) both have check details !! So I don't think the applications have failed the credit check ( I'm on a reasonable salary ,…
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Multiple Student Loans
I have an old student loan for which I am repaying £100 month from my salary. I never finished my degree and am considering going back and studying part time whilst working. If I take out a part time tuition fee loan then will I have 2 make 2 repayments or wil it stay the same because I am already paying 9% of what I earn…
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Student Loans £2K missing payments
Hello all, I have a bit of complicated (to me anyway!) issue in regards to my student loan repayment. Essentially, despite paying out of my salary there was an adjustment by HMRC midway through the year (2019 - statement only came through in September last year) and that adjustment meant that over 2K of the repayments…
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Mis-sold PCP Car finance...
I have today been contacted by a company(through my taxi trade body) who stated that I may have a claim against the company I financed my Taxi purchase through. They mention that I may have been mis-sold the finance stating that one or both reasons may apply to me either, 1.Insufficient credit checks or background checks…
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Amigo Refund
Hi all. So basically, I raised a complaint way back in around 2018/19 with Amigo and they eventually responded saying they felt that all loans were affordable and I wasn't due any redress. I then left it until I saw more frequent posts and articles about amigo, plus I learned more about about whole FOS case handling…
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Repaying Student Loans
I work overseas, have a Type 2 loan, from 2009/10 that I am paying off. Currently, I am just paying off the default country rate as it is lower than what I would be required to pay if I submitted my actual details. From my understanding, this is acceptable by the terms of the SLC and my loan will be cleared in 2 years…
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Improper letter from Sainsburys Bank
The other day I received a letter from Sainsbury's Bank saying I owed £94 because of a returned cheque (I haven't used cheques in years) from March 2020. I spent 45 minutes on the phone with their 'Recovies' people at a call centre run by Blair, Oliver & Scott. The address for the call centre is in Fife, but the accents…
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Delay getting decision from Zopa - advice please
I applied for a loan two weeks ago with Zopa after doing MSE eligibility checks and checking best deals. I am a home owner and need some work doing to the house. I have no other loans and no credit cards. After a week I got in touch and they confirmed that they had got my application but said there were delays as they had…
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Coast finance
I am being drained by coast finance
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Erudio student loans - Been sent to Drysden Fairfax
My girlfriend has a student loan from over 25 years ago. She always deferred without issue as her earnings were not high enough. Originally it was with Student Loan Company. It was passed to Erudio a few years ago. Last letter she got was 2017 and said they would contact 8 weeks before end of deferment period, this never…
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What should I do?
I have a loan which I have one payment left until it’s completely paid off. I got an email today which reads: I’m not 100% sure what it means. But should I leave it or ask to receive an interest rebate? This payment of £700 means I would be paying off my loan 3 months early.
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Why won't car dealers accept third party finance?
As the title says, obviously it means they don't get a cut, but is there another reason? Also does anyone know of any big known dealers who do please?
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Potential loan after ReMortgage
Hi all, we are currently looking at swapping our mortgage deal over. It's a rate switch with our existing lending that should be completed soon and start in June/July. Also we are thinking of trading my misses car in and taking a personal loan out to provide funds to get her something newer. (Shes had her current car for…
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SFE student loan declined, now what? Should we use a private SF company?
Our son has been declined his student loan by SFE based on residency as we lived away from the UK for 10 years. He doesn't meet the 3 year residency in the UK rule, he is born here and a British passport holder/citizen. Doesn't seem to matter. So my question is which is the best way for us to get financial support? Have no…
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Getting a student loan refund
I pay self-assessment and after making my last payment in Jan 2021 I am now in credit on my student loan and would like a refund. I have online accounts for both and there are no options to request a refund with either. I won't go into the details but I have given up trying to get a reply from HMRC and SLC. It's not a huge…
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Guarantor for a [Not a loan] Hire Purchase Agreement?! - Help!!
My father in law is in serious debt troubles. In short, a failed business has compounded years of losing money into a substantial debt (circa £50k) which has mainly been hidden until now. Just found out that he coerced my mother-in-law (his wife) into signing up to some weird "Finance Agreement". She foolishly signed on as…
