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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 .
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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
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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.
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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…
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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…
