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Amigo claim
Hi looking for a bit advise, I had a 5k loan with amigo, balance was about 4k when I got into difficulty and entered a debt repayment agreement, my guarantor repaid the balance as amigo would not agree to debt program. Since then I had claim against amigo accepted and they made a refund payment to my guarantor, since then…
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Car HP.
OK I realise this is really weird but I need advice. My husband bought a car on hp and before he finished the payments he traded his car in for another car again on hp again before he finished the payments he traded this car in for yet another car. He is now paying over £300 a month for a car that is worth less than…
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Advice re settlement figure
Hi all I've got a loan with loans2go for £300. Taken out over the longest period as the plan had been to pay it within a few months. It has a high APR, no issue there. It was needed at the time and the plan to pay off would have worked but circumstances changed and here we are. I have requested a settlement figure and it…
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Bank loan
Been with bank for ever.excellent credit score.A1 category they said No job/income. On phone the guy ended application as knew I would be refused,ended the "recording" of call Advised to apply on line and "bend" the truth about job/income as online applications only check figures add up and not if your telling truth about…
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Taking out a loan for new home improvements - Timing query...
Hi all, I am in the process of buying a new home that needs extensive renovations. I've received quotes and decided that because a lot of things are pretty urgent my best bet is to take out a £20k loan to get the rood, windows, doors and electrics done asap. I have no other debt apart from my mortgage, my credit rating is…
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Help for TFS Loan reclaim - they turned down
Hi all, I am after some advice on how to proceed, or if i can continue with my claim. I have only recently discovered (thanks to this wonderful website), that i can claim back my interest from my guarantor loans. I believe they didn't check affordability when i took out the loan way back. The loan provider was TFS Loans, i…
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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…
