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Student loan - second degree in healthcare for mature student
Hi everyone I've been offered a place at university to study for an allied healthcare course. This will be a second degree and I'm a mature student (will be 50 when I start!). I'm trying to work out what to do in terms of the finances. As it is a healthcare course, it looks like I can apply for a student loan for both…
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Loans settlement query
Hi, I took out a loan for 11k with HSBC in June 2019 (first payment July 2019) @16.9% over 3 years (36 Installments @ £386) So far I have made 21 of the 36 payments and today enquired about a settlement figure, which is quoted as 5552. If I pay the remaining 15 payments as normal the total would be 5784 so I was expecting…
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Lending Stream refund
Hi guys My wife has just received a payment into her bank account described as "Lending Stream LLC" She did have a loan from them some time ago but paid it off a while back. She has not initiated any refund claims. Is this likely to be an unsolicited refund or an unsolicited further loan ?.
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Using my Pension to buy a business
Hi all. First time on here. My Wife is thinking of buying an ice cream van business, and I was wondering if she could use her or my pension pot? The value of the business is 20k including the van and good will. If I use my pension then I would have to take it as non tax free, and as an income, but would the 20k then be…
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Unexplained refund
Hi i had a loan with sainsburys bank in 2010 for £10,000. I never missed a payment and finished paying it odf years ago. Randomly in january i recieved a letter off sainsburys bank stating that they should have managed my account better and taken my circumstances into account at the time and they were refunding the…
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Loan
Secured loan versus personal loan.
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Car finance - trying to charge me for "refurbishment"
Hi All Hope someone could help. So.... I handed my car back to the finance company under voluntary termination because I had paid 60% of my loan back so I was within my rights to do this. They sent someone to assess the car and they logged ever scratch or small dent I received a bill which had been marked by the chap who…
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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…
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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…
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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…
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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…
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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…
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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 .
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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…
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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…
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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,…
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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…
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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…
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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 .
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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 .
