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Student loan
My daughter is hopefully starting uni in September, I have a low income, I’m on ESA how would this effect her student/mentance loan? She will be living at home while at Uni. Thank you
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Timeshare points Sunterra cancelled but still owing finance agreement
Hi. My parents took out some Sunterra points in 2005 which they cancelled that year. They had a finance agreement that is now imposed on their property as a charge. These points were mis sold but the finance agreement stands. What can be done in this instance? I believe the Financial Ombudsman is our only hope but how…
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Is Consent Online legit
Hi. I just applied for a loan from ratesetter recommended on MSE and it asked for an App called Consent Online to access my bank account to check my current payments in and out of my account. Is this legit please?
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Are 118118 loans classed as payday loans?
I've had a 118118 credit card for a while and this week I've received both an email and SMS offering me a pre-approved loan for £5000 although with a high 35.90% APR. Are they classed as a payday lender and do they record as such on credit files?
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Loan Rescinded (under indemnity rules)????
My bank has just told me that the money that I deposited which came from my other bank account with a different bank, has been rescinded under indemnity rules, they wont say or give any details, only that the orginating bank is saying to my current bank which had the money, that they suspect the loan was obtained…
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Erudio Student Loans...moratorium
Just looking for some advice to see if anybody else knows about the Erudio/ SLC moratorium? I’ve copied and pasted the email I sent to Erudio...so far had zero response 😏 I have three historic loans with Erudio from the years 97/98/99 which are due for repayment in June 21. I also have type 1 and type 2 loan with SLC as I…
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New and old finance to overlap.
I have a car on a PCP which no longer suits my purpose. I need a larger car due to family addition. The supplying dealer is offering a very good price for my car for p/ex or not. Unfortunately they do not have a model that suits. Due to my age I don't want to take on a vast amount of finance and so want to buy a cheaper…
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Guarantor Loans Complaints
Hi, I'm not sure if anyone can help me, I'm new here. I recently opened up two complaints with Amigo and UK Credit for the mis selling of guarantor loans. I requested these were looked in to by the company as I felt these were mis-sold to me on the basis of my financial situation along with the hardship and further…
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TSB not accepting repayment plan?
Hi, I have a loan with TSB and due to a few personal reasons, I’ve been swimming in debt and have started a self managed DMP with all of my creditors individually. However, TSB are the ones causing me grief. I’ve phoned twice with my income and expenditure and they said there’s nothing they can do to help me and to contact…
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What do I do
Just heard about provident today . As existing customers do we carry on with repayments or will it be taken over by another company ? Any help would be appreciated
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Mortgage taken out in Orlando Florida and foreclosed on.
Hi I took out a Mortgage in Orlando Florida on a timeshare property which was foreclosed on and sold for One Dollar,The mortgage was arranged and all the papers signed in Orlando under Florida Law at an exchange rate of 2 Dollars to the Pound but the debt was sold to a company in Britain and have put a charge on my…
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Ombudsman taking 18 months
I have been fighting v12 retail finance for the last 2 years, based on wrong information, false reports on my credit file and changing my payment plan without telling me. I complained to the Ombudsman in December 2019, they never acknowledged the complaint till May 2020 and I'm still waiting for a resolution today. Each…
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Combining loans
Hi, I have two loans from two different banks and a credit card from Aqua. Is there a way to combine them all so I can just pay a one off payment each month. I get so confused with the current system of two direct debits and then having to make a payment to Aqua and would rather do a lump payment each month. Any advice…
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RateSetter loan - Pay off early.
Hi, guys, just looking for some advice RE paying off a RateSetter loan of early to avoid the interest. It is currently at 11.9%, which when I was applying to buy the car I thought nothing of (excitement took over!) I'm paying £162.83 a month and £34.57 of that is interest! There's £5,821.56 remaining, and the car if i was…
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Business Loans (bounce back) - will it show on credit report if defaulted?
Hi - I'm a director in a company and received a bounce back loan. As I am in the UK under a spouse visa with a renewal due every 2.5 years I want to know in the event the business fails or I default on the bounce back loan will that show up on a credit check the home office carries out ? Is there anyway I can check this…
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Car manufacturers finance and registration
I am trying to buy a car for my ex wife, we are separated and I will be the financier but she will be the registers keeper. I was advised this will not be possible as the finance and keeper need to be the same for the first vehicle registration. Is this accurate.
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Car Loan from Parent
My wife and I have kindly been offered a loan from her mother to avoid car finance. We have agreed a payment schedule but wondered if there were any tax implications as a result. The amount is more than the £3k gift allowance but as its a loan is this relevant? Thanks.
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Loan for £50,000
Hi I would like to take a loan for £50,000. I have a mortgage payment of £816 pm and my salary is £38889 pa. I would like to spread the loan by 6-7 years, I tried money supermarket.com and it says no suitable load found. Please suggest what is the best way of getting this loan. Thanks and any suggestions will be really…
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Reducing payments
Hi, I am struggling to meet my payments due to a change in circumstances, although haven't defaulted. Am I best to contact the loan company direct or go via a debt charity like step change to try and get my monthly payments decreased? I appreciate that either will ruin my credit rating but is there a better way to do it?…
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Loan for hip replacement , mortgage free, on benefits
Good morning Hope this is in right Section My friend is needing a hip replacement op. Only 45 she has chronic arthritis and suffered a motorcycle accident yesrs ago She is on benefits sue to illness Mortgage free Completly Need advice on best way to raise money for operation Loan or mortgage please Best regards Will
