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Daughter has taken out a Contract Purchase Finance Agreement with BMW
Sadly my 19 year old daughter has taken out a Contract Purchase Agreement with BMW. I have just seen the details! If any one has any insight it would be much appreciated the details are:- Amount of Credit in Feb 2024 was £14000 Her statement is now Feb 2025 nearly £18,500 She is making the agreed monthly payments of £205.…
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Heliodor loan increase by £200 a month
Hello - first time poster... In 2007 I bought a house and had a loan for 25k secured on it for renovation work. Mortgage and Loan both from Northern Rock/NRAM/Heliodor/Topaz whatever they are called this week. When I moved house in 2019 I had to take the loan with me. It increased from around £114 a month to £330+ per…
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Refused Loan
I have applied for an interest free loan. My application was refused by Barclays. When I contacted the relevant department the service agent was unable (or perhaps unwilling?) to give me the reason for refusal. He said it was NOT age related. Am I not entitled to know the reason for refusal?
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House renovation loan
Hi all. I have a question regarding getting a loan to help out with my mother's house renovation. I have lived in the UK for 10 years and my mother lives back home in Poland. I am just wondering if the bank could lend me money if I do not own the house myself and the house is abroad. Has anyone ever been in a similar…
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Comparethemarket gave me a wrong loan amount and interest
Hi, I wonder if anyone else has had this situation - When using Compare the Market they gave me a loan amount and I took up that loan, I have received a letter stating there was a technical fault with the website and they didn't display the preferable amount and rate at the time. They have offered to pay me a lump sum for…
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Firstplus / Elderbridge
Hello I am looking to reach out to anyone that "had" or still 'has" a Firstplus now Elderbridge loan agreement , that was affected by the alleged fixing of interest that took place in the past .Please let me know what action , (if any) you decided to take and how the lender reacted ?
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Faulty Caravan - Finance Company Ignoring Ombudsman
Hoping someone can help with the below nightmare I am having which just seems to be getting worse. Background: In Summer 2023, I bought a caravan from a dealer. I used this caravan a few times before the end of the season, and parked it up for the winter. It was purchased from a dealer I believed to be reputable, with a…
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Car finance
I have 10 months to pay on a car loan but the engine has blown. Can I hand the car back?
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Bridging finance lender responsibility
Hi All, Hoping someone knowledgeable can help me here. I am helping out some friends who secured 12-month bridging finance over a barn (single bed dwelling) next to their home. They have been in financial difficulty for nearly ten years now and the loan was to buy them some time to get their property sold. The property…
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Returned item.
I purchased a new cooker from very and from day 1 it's not worked as intended the main oven fan in operative, had 2 engineers come to repair but to no avail, I have been paying for it monthly and some interest on it, it has been returned as not fit for purpose or intended.. I was wondering if I'm entitled to interest…
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Loan Rates
I am looking to take out a loan, first time for me, for some home improvements. I have a excellent credit rating but don't utilize my credit cards or use my overdraft. My bank are offering me £5000 at a rate of 9.6% is this a good rate? This is over three years, although I hope to pay it off within 12 months. Zopa were…
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Missing Finance Docs - No Agreement?
I'm really trying my luck here, and I could contact the garage, broker or lender but the longer I can span this out the better.. maybe..? Part ex'd car 2 weeks ago. No issues clearing settlement on the old car. Finance agreed via a broker on the new car. Was emailed docs to sign re the new finance agreement, however these…
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Short Term Loan
Hi, I am in the process of purchasing a house with my partner. I wanted to buy my half outright and I was hoping to use a savings pot but it has a 95 day notice period which brings us to May and I need the money by 24th March. Is it possible to take out a short-term loan for £18k?
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payment deducted after loan end date
I had a 5 year loan starting on 1st January 2020. The loan end date is noted as being 1st January 2025 on summary statements. A payment has been from my account on 3rd February. Is this right? I thought the last payment would have been 1st January. Am I being daft? The bank was Santander if that has any bearing.
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Consolidating loans, to lower interest and payments
Might be a stupid question, but I have a range of loans at varying interest rates - some very high from past (silly) financial decisions. Separately, everything is on paper affordable, but by loan/debt profile would show that me asking to borrow the total owed amount as unaffordable which is presumably why standard…
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Club 24/ capita customer management ltd
Hi, a loan was taken out against a property in 1989 with club 24 the owner passed away 5 years ago leaving it to my mother who passed 2 years ago leaving it to me. im trying to sell the property but have been informed that club24 was absorbed by capita customer management Ltd a few years back (around 2012 I think) i have…
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Paying off car balloon payment
My car finance is about to end on 2 June 2025. I have to decide whether to pay off the balloon payment of about £10,000 or trade the car and take another PCP loan for a newer car. The car is a very nice Mercedes low milage worth about £17,000. I am likely to buy the same car again, but newer. My wife wants to keep the car…
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Money being demanded for a loan I don’t know about
I have received numerous emails to an email address I rarely use demanding money for a debt I supposedly owe. The email comes from a company called ACI who say they bought a debt of mine from another company. As far as I’m aware, I am debt free. I owe nothing. So I asked them to explain to me what the debt was for and they…
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Cancelling Loan within 14 days
Hi I took out a loan to buy a car, unfortunately the car had 2 problems within the first week so I have now returned it and been refunded. My sister says I can use her car for a few months until I find a new one. Should I repay my loan within the 14 days and would that effect my credit score and my likelihood of being…
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High acceptance payday loans direct lenders
Hi!! Im looking for direct lenders , same day loan. Thanks
