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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.
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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…
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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…
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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.…
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Secured loans
Hi I jointly own a property with my ex husband (seperated for 3 years). I know he has severe financial difficulties. Can he take a secured loan out against my property without me knowing and is there a way of me checking if he has?
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Car finance charges
Hi, I hope someone will be able to help. Back in 2019 I needed to change my direct debit date on my car finance because of change in circumstance. They told me there will be a monthly charge of £12 because of this. So I have been paying an extra £12 every month on top of my finance. My question is ‘ can they do this?’ Can…
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Pending finance decision
Hi. I recently applied for finance for a item worth around £1500.It’s been over a week now since that application was referred with Hitachi and I haven’t heard anything. On the website I am buying the item from its says it usually takes 1-2 days for them to make a decision on referred applications so I gave them a call…
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Expenses affecting loan/remortgage
hi all, can anyone advise... we are looking to finance renovations and were thinking of remortgaging to do so. However, I have needed to rent a property in my name for my father to live in temporarily. My father pays for this by giving me the money each month. This arrangement will end in six months time. Question: would…
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Leasing for Student ?
Is it possible for my son who is a student and works part-time as a carer to get a small car on lease or is it either impossible or too expensive. He has to travel sometimes an hour to a client so buses etc are very difficult. Taxis are working out very expensive. He doesnt want to give up the job as he enjoys it so much.…
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Which Loan to pay off..
Ok so we have 7 loans which are due to be paid at different stages over the coming year/s. I get a second pay in April (20 Apr) and so will be looking at paying off some of the loans to reduce our monthly outgoings. I am looking at £2000, to pay off as many as possible, I was looking at leaving the last three alone. Any…
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Personal loan for £35k best to split it ?
hello , we're looking to get a large extention & new kitchen . We have savings but will need to find an extra £35k and are looking to pay it back over 5 years. We are both working with our mortgage paid off a couple of years ago. We have reasonaly low outgoings ,no other finance, good credit scores and can afford the…
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Amigo Loan Help
Hi, I was a guarantor for a loan for a then friend, he defaulted and it was left for me to pay. At the time I was not in a position to pay the normal repayments so I defaulted, Amigo added a CCJ to my house that if sold they would recoup their money and I agreed a very small monthly repayment (£20) with a debt recovery…
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Loan vs Credit Card vs OD vs Other ?
Im looking for 2 types of different credit and want people opinions on the best options please #1 £25-£40K over 12-24 months. I dont know the exact amount yet and whether I'Il pay in back in a year or a little longer. Barclays will loan up to £50K at 5.9%, other banks seem to stop at £25K. Barclays charge 30 days interest…
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Loans companies access to online banking
Hi, I looked to apply for a loan with lendable through credit karma and they want access to my online banking for the next 3 months. Is this usual?
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Business Loan?
To anyone out there, If I tell you my story,
my plight will, hopefully, make sense. I am a 59 year old
father of 3 girls, recently seperated from my wife. It was my choice
to leave them in our house, (owned with mortgage), to safeguard the
girls' futures. In the ensuing couple of years, my income and credit
rating took a…
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Loan Rates
Hi, I have a perfect credit score and income above £60k, no defaults, no missed payments, (currently) no unsecured debt, electoral roll registered etc etc. Plenty of credit history, available credit etc. And yet nobody can offer me a rate below 19% on a £25k loan. That’s practically a payday rate isn’t it surely? It’s £20k…
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Bank Of Ireland Loans..?
Hi All, I'm new here and after some advice if possible please... I'm after a loan to consolidate other debts and for myself to get a new work van. Carried out an eligibility check and only had one result due to the amount I think being £25k and over 7 years. This was being offered by Bank of Ireland and at 3.2%. I had a…
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Nationwide loan decline SAR
Hello, I hope this message finds you well. I bank with Nationwide applied for a loan and was declined. I rang them they said I had adverse credit. I have checked all the CRAs my score is low due to an o2 account default for 61 pounds from years ago. This was removed and in the last 6 years there is nothing adverse on my…
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Door step collection
I took a loan out and I agreed to a door step collection not a problem interest repayment was a bit high anyway all good for a long while then they just stopped calling no communication from company tied ringing no answer then all of a sudden contact and they wanted payments to start l told them they had broken there…
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PCP Ballon Payment - Part early payment and rebate
Hi all, I have a car loan under PCP and was looking to make an early payment towards the Ballon, having early repaid the rest of the money. The loan company has advised that (1) Part repayment towards Ballon is not possible (2) Early payment rebate calculation do not consider the interest towards Ballon amount. I was…
