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Warning about AA Loan Early Repayment
4 years ago I took out an AA Loan over 5 years (through this site). Recently I asked for a settlement quote as I had some spare money to pay off the loan early. I was surprised to get a settlement quote that didn't give any interest rebate for early repayment. When I contacted them about it I was informed that they load…
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PAY DAY LOAN RECLAIM (GUARANTOR DEATH)
HI, i am currently trying to reclaim a miss sold loan from amigo. i started this in February 2021 and its bee a long process, i am due back a substantial amount. the problem that has risen is that it was a guarantor loan and at the time my guarantor (father) paid back the loan and i paid it back to him as he wanted to know…
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PCP - Affordability - Credit Check
I am getting a car on PCP (This is not a discussion on PCP's) I will have a £14k deposit when I sell my car - The PCP will be costing about £350 per month. If I decided keep some or a lot of the deposit (I know, more interest but comfort blanket) the monthlies would them be about £650. I know I can afford both and I have a…
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Halifax Loan
Hello, I have recently taken out an Halifax loan and setup payment via my Halifax account. Is it possible to change the direct debit to a different account with another bank or setup standing order to pay? Thanks
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PCP Deal but no monthly payments ever taken
Hi, In January 2022 I purchased a small van for £17k, put down a £2k deposit and took out a 3 year PCP deal. In June 2022 I received an email from the dealership where I bought the van stating that they had completed the finance forms incorrectly and would I mind printing the documents off, signing them and returning them.…
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Van finance
Hi. I've just started a new job on the books, leaving being a self employed contractor. I'm left with owing £10700 on my van but I'm only being offered £7500 for it. Do I take the hit or is they any other options for getting rid of it?
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Business Overdraft - Barclays - Outstanding Amount - VA (Resolve Loan) Adverse Credit? Personal Effe
Hello, I was wondering if anyone an please can advise from their experience? or inside knowledge. Barclays closed our Business Overdraft Facility - for our LLP - Limited Liability Partnership Business (Not LTD Company) By Letter - after a review. Now our overdraft is due and we are outstanding 50k! We do not have the money…
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NHS Fleet Solutions ending lease early.
Hi, I need to know where I stand on ending our 3 year lease early with NHS Fleet Solutions. The situation is as follows, my partner works for the NHS and a University (0.5 FTE for each). This is fairly normal in her field. She has accepted a job offer at a different university which will be a considerably longer commute.…
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Disabled pensioner and needing a loan
I am a single 70 year old female, have full disability benefits (including max PIP) guaranteed pension credit, retirement pension plus a medium sized private pension. I need a downstairs extension for a bedroom and bathroom due to mobility issues. The council are considering a Grant plus some savings but it won't be enough…
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Settled Loan But Changed Mind
Hello, I've got a friend who has settled a loan and made a payment of £2,400, he did this so he can then apply for a larger loan. What happens if the new larger loan is not accepted? can you contact the loan company and request the £2,400 back and continue with the existing monthly payments? Is there a change of mind…
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CAR FINANCE - Going abroad?
Hi I currently have a car on HP itll end in around 4 years - I wanted to know if I would be breaking any rules if I were to leave the car abroad for a period of time? I would have it on fully comp british insurance as well as insurance in the country that I will be leaving it in (non EU). I know car finance must be on…
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Default
Is there a difference between notice default sum and a default notice ?
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What is the difference
What is a secured loan and what is a unsecured loan
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Remortgaging soon but want a new car.
Ok so we are due to remortgage soon, our fixed rate ends July. We are going into a mortgage broker in 4 weeks to lock in a new deal, looking like the best rates are with our current lender so won’t be changing lender. Will the mortgage broker be able to do a quote as if I have a £15,000 loan to see if there’s much…
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Erudio CCJ set aside hearing - Dydens 'Tomlin Order' gambit pre hearing
Hello, Erudio/Drydens CCJ removal application pre-hearing settlement offer dilemma In Q4 2023 I had discovered inadvertently that a CCJ head appeared on my credit file due to an undefended hearing in SEP 22 CCJ following claim by Erudio SL company. I had a new family and identified a house on which I sought to get a…
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Loan against future Pension payout
Hi, I’m after some advice on the best way to take out a short term loan (6 months) to help see me through until I get my private pension lump sum and monthly pension. I own my home with no mortgage but currently have no income of my own. We can just about get by on my wife’s salary but would really help to have some extra…
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Erudio/SLC :
Hi 👋 I have a complicated issue re erudio administered student loans. I’ll try to keep it simple though! I believed that when deferring loans there was a lead company (the student loans company) who then sent me letters to confirm deferment. This seems to be the case back in 2017. I sent docs as requested, and then I’d get…
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Erudio and Dryden Fairfax - CCJ and Court Hearing
Hello I was issued a CCJ to an old address in my maiden name for a £5200.00 Student Loan debt from the 90s. This happened during the pandemic. I contacted Dryden with new name and address, but they still left the ccj on file for another six months after that. I have defended myself by saying that the loan is statute…
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Klarna have taken money from the wrong bank
So I had a large Klarna bill to pay off, so I thought I'd stick it on my credit card as I have loads of bills coming out of my bank account tomorrow. I changed my card on Klarna to the credit card and did the first payment to make sure it was changed correctly, it all came out okay. I then made 4 more payments totalling…
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Charge on property
Hello I wonder i if anyone can give me some advice on. I loaned a substantial amount of money to my Daughter and Husband. So they could carry out building work to there existing home. I did draw up a contract, which they both signed. Sadly they are now going through a messy divorce. He has stated that he is not going to…