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Secured loan
In 2007 we took out a secured loan with First Plus. The loan included a premium of 12k Ppi. First Plus paid that amount back by there choice in 2012 but it is still included in the loan total and I am paying interest on that. Didn’t realise at the time and felt loan was missold as taken adnantage of our then difficult…
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Voluntary termination Hire purchase
Hi I am 3 years into a 4 years hp deal. I want too voluntary terminate today but just wondering what way is best to do so. Does it still count if you call and tell them or does it have too be in writing ? thanks
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Does my credit affect the house
I have a very bad credit rating. I have a joint current account and a joint credit card with my husband. He is looking at taking a loan out to cover some bills as we are falling behind. Will my bad credit affect his application? He has been accepted for a credit card recently so i'm thinking it should be okay, but the fact…
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Business Loan question
Good evening folks, I hope you're all doing well given the circumstances we all find ourselves in right now. It's my dream to own my own haulage business and I have made the decision to pursue that dream. I am looking to find a loan between £40,000 - £50,000 and was wondering if anybody had any suggestions to where I might…
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£300 loan - council tax deferral
With the new council tax coming up in April, I wondered if I could not pay council tax for April and then call them up in May and say I can't afford to pay May either and instead ask to pay in 10 installments from June to March. That way I can im effect get an interest free £300 loan. I know someone who did this because…
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Zopa Loans - You're great - you're good - but you 'ain't gettin' nuthin'......
I've been working towards a more positive credit history over the last year or so - and am lucky that at the present time I don't have the need for a loan. That doesn't stop me keeping an eye on what I am/am not eligible for - and recently Zopa appeared to launch their own eligibility checker that analysed your credit…
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Moved: She doesn't wish to get a loan for her marriage
This discussion has been moved.
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Getting a loan
They say it’s fairly easy to get payday loans but when you want one where are they.......(well I do have bad credit)lol
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Barclays Partner Finance / DFS
Good morning everyone I do hope you are all very well during these extraordinary times! I'm hoping you may be able to help me with an avenue of contact with Barclays Partner Finance and/or Moorcroft Group. I do hope my letter/email to Moorcroft Group will help to explain my individual situation, but in short the following…
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Blemain Finance/Together
I took a loan ( mortgage) with Blemain in 2006 for £25,000 and it expires in April 2021. I have repaid almost £57k and now they say I still owe £12k because of interest and other charges. Has anyone taken these loan sharks to court and won?
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Equity from my half commercial half residential property
Hello! Anyone know of a way to raise (a lot of) capital from my property (mortgage-free now) that's half cafe half maisonette to give to my son towards his first buy flat? He would pay the monthly interest. I'm 67, state pension, bit of income from my caff but not much.... Fingers crossed. Many thanks, Jane
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Use of Credit card
I have a loan with around £5000 to pay off. Do loan companies allow this to be paid off with a credit card? Reason for question is that I have new Amex benefits credit card that gives me a lot of bonus points if I spend a certain amount in the introductory period.
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Loan vs PCP
Hi all, After some clarification on my current PCP deal.I have 28 months left at £259.97 in addition to the balloon payment of £6734. Apr is 5.9%. Settlement figure is £12586.89, saving £1166.30 in interest. When the PCP has ended i would simply give the caR back and start again usually with a 2k deposit. My question, my…
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WHAT SORT OF LOAN IS BEST FOR ME
Hi Everyone, I am a physiotherapist working partly in NHS and partly self-employed. I pay £400 per month to rent a windowless room and am thinking of adding a small extension to my house as a clinic room to run my business from home instead of renting. Could anyone advise which type of loan would be most suitable for this…
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Unable to provide credit agreement
Following previous advice on here I requested a copy of my credit agreement with a 3rd party company who act on behalf of a bank who I had a loan with 16 years ago. It's taken 4 months but they finally got back to me today saying that can *possibly* only provide the original loan agreement with the bank and their own T&Cs…
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Help with an unfair late payment
Hello I’m just wondering if anyone can help. I’m currently in the process of buying a new house and getting a port mortgage with Santander, they’re happy to offer a mortgage but want a late payment cleared off my account first. It’s worth mentioning I am due to exchange next week. I wasn’t ever aware of this late payment…
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Changing a refinance loan
Looking for advice please. My 24 yo daughter had a 5 year consolidation loan which she took out 3 years ago. Needless to say her credit history was terrible. She also had a Debt Management Plan. The DMP was paid off this year and so the only loan she has now is the consolidation loan. The interest rates are phenomenal and…
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PCP loan
I’ve just checked my PCP car loan deal and I’m on 9.9% apr !! Is it worth getting a loan at a lower rate and paying off in a lump sum ? I never knew it was SO high in interest. am I stuck now or is there anything I can do! Any advice greatly appreciated
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Missing Voluntary Termination letter - Mini/BMW Finance
I wanted to terminate my Mini PCP around a year ago to get a bigger car. I was near the point where I could walk away and not make any further payments. However, I wanted confirmation of the date at which I could return it without incurring any further charges. I'd received a settlement figure a couple of months previously…
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Skye Loans-nervous about paying back
Morning All - I have a 2nd charge mortgage loan which was taken over by Skye a couple of years ago. All has gone well and now I want to pay it back. they've sent me a redemption sum, did a money laundering check and sent me their bank details BUT...I'm scared about transferring nearly £20k to them in case a) the letter is…
