-
Loan payment holiday complete
I have a loan with nationwide, I am employed and have a regular income but my partner is self employed and has had a reduced income due to coronavirus. We have taken a total of 6 months holiday in 2 separate chunks. My current holiday has just finished abs now it appears that nationwide aren’t prepared to lend me to full…
-
I need £1500 this week.
Hi, Sorry for the rather exaggerated title, its not quite a life or death situation. I have just agreed a sale on my every day car and now need to buy my next car as i am without an every day car. Im short from the car id like to buy by £1500. I am looking to borrow £1500 and i have until Thursday off work to go car…
-
Advice on financing a business start-up
I'm hoping for some useful advice for this potential project! My wife and I are contemplating giving up our London life and relocating to run either a B&BV or a tearoom. My wife bakes and sells cakes as a side business, and is keen to get into this in more of a full-time capacity, ideally with her own premises. The perfect…
-
Amigo loans
Hi , first time posting .. I was a guarantor for some and I was young and didn’t really understand how it work but I didn’t it for a friend the original agreement for it was (£197 ) a month then I was that amigo has agreed with him that he could have a less payment however I agreed to the payment above not £50 ( which is…
-
Student Loan - Don't qualify for government loan.
Hi all, I moved back to the UK from South Africa 7 months ago and will be bringing my daughter over here to study at university shortly. My daughter is a British citizen, but hasn't lived herein the past 3 years, which according to the rules I read, doesn't qualify her for a government student loan. Are there other viable…
-
George Banco Ltd Guarantor
Hi I was wondering if anyone had any problems with this company .I am trying to appeal from being a guarantor and waiting for FOS decision .
-
Payday/gaurantor loan reclaim problems
Hi All, need some advice please. I have tried claiming back from both amigo and provident using resolver through this website and following advice.Amigo are going to court to try and get a repayment scheme set up so they only have to pay a fraction of the claims. I also have been trying to claim from provident, and it…
-
Loan Advice needed
Hi all, I’m after some advice - I have a credit card with MBNA I’d like to pay off. I took out the card initially to transfer the balance I had of £4,000 from another card, this amount is interest free with my MBNA card until June, I have however spent a further £3000 on the card and am now being charged 20.3% on that…
-
LOAN INTEREST RATE DIFFERS FROM ADVERTISED RATE
I have applied for two unsecured loans, one from Sainsbury's Bank, and one from the AA. Both the loans were advertised at 3.1% APR. I was offered a loan of the amount requested ( £12.5k) by both companies, but at 9.9% APR. I know that banks have to offer loans at the advertised rate to only 51% of successful applicants,…
-
Secured loan on flat already - Valuation charges .in relation to change of deeds and renovation
I have a secured loan of 45k . My flat has been valued between 250/300 k over the last 10 years . I have a third share of the freehold with 2 other flats that make up the house that I live in . The House has a basement which the freehold owners are selling to a developer it will mean they we have to change the deeds . In…
-
Mis sold secured loan
When I was married I was asked to help the then mother in law with a loan secured against her House. When I divorced I couldn’t afford the repayments on my own and the house was repossessed at a deficit and I was told that I had to pay the deficit off as I was on the loan agreement. I made an agreement of £15 per month…
-
Company reviews
I was wondering if anyone controlling then for example George Banco have excellent star rate but when we actually read every single comment it's 1 star one after another .
-
FOS reply
Hello year ago I have sent complaint still haven't heard anything from FOS,once I called and I was told my case is waiting in the que to be allocated to a handled .When I send emails no reply whatsoever and no update since .I am not sure what to do .
-
time barred debt
my brother died and i became the executor of his money i got a letter to pay a debt not knowing my brothers finances i paid it but now have found out the debt has not been chased for over 6 years he has no ccj as i have checked could i get the money back thanks andy
-
Bounce back loans
I applied for a new business bank account last autumn and was told by the bank that they were so busy with bounce back loans that they were no longer opening new accounts.Can you confirm if the banks were paid a commission by the govt to organise bounce back loans.
-
Affordability Complaint
If you have seen my other thread about which loan to pay off, then you will know I have 4 outstanding pay day/short term loans and 2 longer term (guaranteed) loans. I originally sort advice as to which to pay off first and at present due to some being fully paid anyway, others being paid off early, once I am paid this…
-
Fourteen day cooling off period
Hi i recently purchased And picked up a new car using an HP agreement from the bank. When I spoke to my dad he said he would have given me the loan interest free so I’m wondering if I can repay the finance without any interest charges as I’m still within the fourteen day period.
-
MYJAR Loan has vanished from my account, can't repay
Several years ago I fell into the payday loan trap. I eventually ended up too deep and unable to pay. I spent most of COVID clearing old debts. I had an outstanding MYJAR loan that hasn't been marked as defaulted. In fact it doesn't appear on any of my credit files at all. I made a few small payments to it last year just…
-
Advantage Finance - Direct debit fee
Good Morning, wondering if there is any advice as I’m a little confused.. So I got a car on finance with advantage the direct debit was set up for the 28th of each month - never missed a payment - I then had to give up my job in 2019 due to my daughter being disabled - I called Advantage to say that I would need to amend…
-
Personal Loan Repayment
Hi All, Some advice if I may, I upgraded the windows at home at the end of 2019 which were installed in early 2020. Having only moved in shortly before that I didn't want to use savings and have a limited cash flow for other requirements. So I took out a 96-month finance agreement with the intention of repaying that early.…