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Incorrectly taken direct debit
Apologies in advance for the wordy post ( i hope it is eventually clear and makes sense). Plus i hope its in the correct thread, if not im sure the mdoerators can help move it. I have a loan with AA. it was always collected on 4th of the month, I guess as i initially eceived it on 4th of the month. However earlier this…
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Amigo refund
I have put in for a refund had a reply as it was over the 8 weeks and I am bit confused We are currently in discussions with the regulator regarding a particular aspect of complaints and therefore, we have paused the investigation of certain complaints until discussions are concluded. The discussions centre around our…
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Advice
I have a outstanding loan with hsbc. I was with step change but my account closed. I have tried being in contact with hsbc metropolitan services, using online chats, written two them and ringing them. I have had no response by these methods at all. I have received no letters from them either. What do I do now.
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Amigo loans urgent help
Hi all really hoping someone can help. I had 4 amigo loans, 3 were top up loans. I put in a complaint for irresponsible lending due to affordability and not doing substantial checks such as wage slips bank statements etc on the top up loans. I also put in a subject access request. Within 3 weeks (so before the deadline for…
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Loan Advice - Pay in full now or continue monthly payments?
Evening all! I currently have a personal loan with my bank with an interest rate of 27% APR. I have another 17 months left of repayments to pay off the loan. However, I now have the money to pay off the loan in full. If I were to pay in full now I would save around £250 in total. My credit rating in the past has been poor…
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Northern Rock De-linked loan causing a charging order on property.
I am hoping someone can shed some light on this Northern Rock issue that's been stuck with me since 2009. I currently have a charging order on my property which got put on in 2009 after a court order. Me and my sister got a Northern Rock together mortgage in 2004 when we bought a property together and with this together…
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equity
does any one know if you can claim interest paid in the equity you have taken out on house
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Halifax Clarity Loan
I took out a clarity loan with Halifax in 2017 for £1000, with the high interest rate I still owe £745. Would I be better getting another loan to pay this one off?
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Student Loan - Very mixed up and court hearing imminent
I am very mixed up about the Student Loan I took out from SLC in 1997 when I was aged 33. I can not make sense of the MSE student loan guides and there are circumstances in my case that are not covered. I took the loan in Northern Ireland, in 1997. I believe there was a change to the loan system then so i also have 2…
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Getting spammed after misleading page?
Hi, I recently clicked on a website and applied for a loan, and now I'm getting several texts a day. The website has in big clear letters "Short terms loans, direct lender" at the top of the page, it's only if you you read other parts of the site it states that they're also a broker. Should this not be on the front page…
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Post Office Loan Early Redemption, Redemption amount increased through lockdown
Hi guys I am really hoping you can help. I took out a loan with post office for £25,000 for some home improvements back in May 19 (at interest rate of 11.9% over 7 years, went through MSE credit club and it was indicated it would be 3.2% and when i put the application through it went upto 11.9%, and as it had already hit…
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Family Loan
I leant a family member some money a while ago and they have made regular payments back for over 2yrs but still owe over £1000. Over the weekend we have had a family fall out. If they stop paying the money back is the money lost or can I do anything legally?
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Car financing while on IVA
This discussion was created from comments split from: High car loan interest rate.
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Report and repay the loan charge- BUT I HAVE NOT EVADED TAX?!
Hello all, The letter says that I have to complete a tax return from April 18-19. I have just looked through all the payslips from the agency I used to work for and the bank statements. They all match and there does not seem to be any dodgy activity so it seems that I HAVE indeed paid all of my taxes and not evading. When…
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Postgraduate Funding - is there any other funding available to me?
Hi there, I have recently been made redundant and have successfully
secured a place for a 12 month postgraduate degree. It’s been 10 years + since I have been back, and I have two
young children that I still would need to pay for childcare. My question is: Is
there any other funding available to me on top of the…
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Joint loan
I’m looking to take out a joint loan with my husband to clear both of our credit card debit, but if, in the future, after the loan has been cleared, will our credit history still be linked? If my current individual credit rating is better than his, should I keep it separate? Are we better off have two individual loans,…
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Tesco bank loan - best way to overpay?
Hi all, I have a Tesco Bank loan (approx 3%) with just under 5 years to run, owing just under £10k which I would now like to start overpaying. It was a front-loaded interest loan with just over £2000 added at the start in 2017 (£15k loan became £17000ish). Do I get a better interest rate rebate by overpaying £2,400 in one…
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Should I pay back the Bounce Back Loan?
I applied Bounce Back Loan in May because we shut down a few branches and re-structured the business to more online sales. When I apply the BBL, I thought the process can take ages, but I received the fund very quick. Now, I feel my business is much safer and the online sales performed very strong. And I actually never use…
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High car loan interest rate
Hi all just been having a chat with my son, just chit chat and we got onto the subject somehow of his car loan, as he seems to be paying a lot for his car, now i may be wrong but i thought there was a maximum rate that could be charged, and i have got usury in my head, he is being charged 39.4%. On a £5800 loan he is…
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Money shop/CRS
Hi all, I wondered if anyone had experienced anything similar to me. I recently visited my mums house for the first time in probably nearly a year due to the virus and found stacks of mail from Credit Resource Solutions saying I owe £219 for an old money shop loan. The loan is from 2012 i think, my last payment was in mid…