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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?
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secured loan through mortgage company or other?
I need to borrow around 10k but I already have one unsecured loan so I was thinking the best would be to look at a secured loan. Would it be better to approach my mortgage company (Clydesdale) to borrow more on my mortgage as I currently have over 70k in equity or should I search for a better deal on the site for a secured…
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directors loan account
Hi, i have a directors loan account an between me and my accountant £4,700 of credits were missed and not included in the year end accounts, can i reclaim these in the following year accounts?
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Moved: I owe companies - its about income & expenses ?
This discussion has been moved.
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car finance
my son and his partner purchased a car 2 years ago on finance it still has 3 years to run, the finance is in my sons name. His partner has now left him and taken the car with her leaving my son to carry on paying for it. My question is can he hand the car back to the finance company even show he doesn't know where it is,…
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Bounceback loans top-up HSBC
Anyone still waiting to hear on an HSBC top-up on their bounceback loan? My original application was handled in about three working days. The top-up application was accepted on March 15th. Anyone else still waiting? Should I chase HSBC? There doesn’t seem to be an obvious process on their website. Many thanks in advance.
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Guarantor Accepts Miss Sold Loan via Amigo following the borrower putting in the claim.
If a Guarantor accepts the Amigo Loans miss sold settlement sum following the borrower actually putting in the claim can the guarantor still legally accept the settlement if the borrower had settled their dept with the guarantor?
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Should I refer my bank and my complaint to the Financial Ombudsman?
Hi all, To cut a long story short, over the past year, my bank (I won't say who at this stage) have completely messed me around in terms of my personal loan. The loan was on a 18.9% interest rate and due to various COVID payment holidays, the bank then advised that they could refinance my loan at a lower rate. This offer…
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Car PCP or loan?
Hello all We are looking at a new car which is in the region of £30,000. Generally speaking which is cheaper, a PCP deal or a loan, or is there another way? With PCP it does feel like you are loaning the car rather than buying it. Does it depend on the deal? I can probably post details of helpful :) thanks!
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Litigation Loan - Advice Required
I am currently going through a divorce. All the assets are in my wife's name, whilst I have all the debt (lesson learnt). I cannot instruct solicitors as I do not have any more credit facilities, so I am looking for advice on what litigation loan providers that I can approach directly. If litigation loan providers reject…
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Provident inviting people to claim compensation
Received the email below fromnoreply@provident-online.co.uk "THIS EMAIL IS IMPORTANT. Please read this carefully if you have ever received a loan from PROVIDENT, GLO, SATSUMA OR GREENWOOD. PLEASE NOTE: Although this email address and website state Provident Personal Credit, this email should be read by customers who have…
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Personal bridging loans
Hello, I am chair of a block of flats right to manage company. There are major works due to our block, some of which relate to fire safety, but not all and there is much anxiety about how much the works will cost and how to access the money. Though we are waiting to hear on how to access more money from the government's…
