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Car finance debt collection
I defaulted a LOT of my car finance payments and i am now paying it off with a debt collection agency. The car keeps breaking down and I really need a new one. Can I trade in the car to a garage? Who technically owns it? Is it still the finance company even though they've sold their debt to a debt collection agency?
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Denied Student Loan due to COVID-19 - now plunged into unplanned debt!
I wonder if anyone has any advice for this terrible situation.... 1. My daughter got offered a place in university in 2018 - but since she was in the UK on an ancestral visa, without the money to pay for university, she deferred to 2020 - when she would be eligible as a Home Fee student and thus for a student loan. 2.…
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Are There Loan Advisors?
Is there such a thing as a Loan Advisor, similar to a Mortgage Advisor? Without going into details, and without lying per se, answers for some questions for me could differ (I'm very recently seperated but still married and between properties that I have been associated with for some time) and I'd like to know the best…
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Student loans deferment
Hi, I have 4 old style loans from 94-97 which I have never repaid due to not meeting the threshold. This year the payslips I submitted did show I had gone over the threshold due to temporary enhanced rates of NHS pay during the pandemic. I was advised to submit my P60 which indicates I am under the threshold but they have…
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Provident personal credit refund
Hi. I had a favourable adjudicator decision from the FOS following my complaint about unaffordable loans. Provident agreed to settle in line with the adjudicator decision. This was way back in Aug 2020. Despite contacting provident and the FOS many times, I have still not received anything. Provident say they are dealing…
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Guarantor Loan - help cutting ties
To cut a long story short I was in an abusive relationship and ended up as a guarantor on a loan. The loan is now not being paid by my ex partner but trying to cut ties with it is proving almost impossible despite being manipulated into it. Can anybody offer any advice? I do have a crime reference number for one abusive…
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Personal Loan vs Mortgage Overpayment Loan Back
Hi I want to borrow 15,000 over 30 months which currently will cost me 2.8-2.9% circa £560. I have also been over paying my mortgage to bring it to an early conclusion and have a very healthy surplus (6 years to run so I am well into paying the capital). My mortgage is a Life-time tracker at 2.3% (unfortunately there was a…
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Loan for a mature student who can't get the Advanced Learner Loan
Are there any reasonable loan options for mature students wanting to study a course (not university) for which the Advanced Learner Loan isn't available?
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Amigo guarantor loan
I'm a guarantor, left paying the debt long story short, I'm trying to find out what happens if redress scheme is a none starter, what will happen to me?? I believe I should not have been accepted and Checks were not completed so I feel I have a complaint.
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Do you pay tax on a repaid loan?
I gave a family member a personal interest free loan. They now wish to pay it back, is this liable for income tax?
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Payday Loans
Hello, had some financial issues in early 2016 resulting in me taking out 3 payday loans. They were all paid off fully within 3 months. All 3 show on my credit report as you would expect. My question is how long they stay showing on my file as we intend to move house next summer and I’m concerned they may impact a mortgage…
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PSA Finance - Voluntary Termination - Car
Hi - we have paid half of the full amount of our car agreement, including the balloon payment. I believe this means we can voluntarily terminate the agreement and hand the car back. Our circumstances have changed and we no longer need a second car. Should we call or write to them and does anyone have any advice on how to…
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Borrowed in my partners name
Hi All, Before you start judging, I have some serious questions I need to bring up as me and my partner are both trying to clear our debts. For about 7 years I was unable to get my Bipolar diagnosis under control 2011 - 2018. We borrowed a lot of money (40+k) to just keep afloat as I was the sole earner but was sick a lot…
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Tesco mobile
hi not too sure where to post. I have a mobile phone contract with Tesco mobile it’s not a credit agreement but I pay monthly think it’s more like a rental agreement. My phone broke so I phoned up to get an upgrade. Had to pay £147 for early upgrade fee. My daughter said she had a phone I could have so I cancelled the…
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To loan or not to loan!
I am the world's worst saver and I need to repay a friend some money, plus have a wedding and home improvements to do. I would never take out a loan that was unnecessary or unaffordable but If I look at taking a loan out (over 5 years) to just repay my friend the rates available to me are 18%apr and more but if I look at…
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Credit union loan
I’ve had 3 loans of credit union and each time I’ve asked for more they have game me two the same amount of £500 then my last one £1000 I’ve just paid it back and I have £1500 in my loan pledge they said my next loan will be a loyalty loan which means what ever is in my loan pledge I can get a loan x4 of the amount in my…
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Provident claims
Hi has anyone tried to claim against provident for inappropriate lending. I'm trying to claim back and having a nightmare with them, and wanted to see if anyone here has had any luck with them
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Can i pay my loan off with my credit card
I took out a loan with Halifax to buy a car. I have paid nearly half of the loan, £136.00 & now approximately £20 interest a month. I now have £4,000 left to pay over 2 years. I also have a 0% interest credit card with Halifax. My question is, is it possible to pay my loan off with my credit card? Pay my credit card…
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Business loan mortgage 35k in overcharged interest rates
Hi can anyone give me advice I have a business loan mortgage I checked my outstanding balance was way to high ask natwest to investigate they come back the since 2012 they have had my interest rates to high they put it on my mortgage so that reduced and offered 1000pounds come which I have not accepted any advice please
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Is John Lewis ending its financial services?
Hi, I got an email from John Lewis telling me that they were no longer taking on new loans or additional personal loans. Does anybody know if JL financial services are going to stop trading?
