WFS/Coast - no copy of loan agreement
I had a loan with Welcome. They went under, Coast Finance took over. I have astray cked for a signed copy of the original credit agreement but they keep skirting around it (I never asked citing the...
View ArticleCar finance pcp help?
Hi all, I have a query regarding a pcp finance I have taken out on my car. I believed I was paying £38'000 however I have recieved my first annual statement and i have 2 different figures on the...
View ArticleSignificant change in %
Hi I would welcome thoughts I spoke to the Bank in Dec - they were prepared to offer me a loan @3%... great. I have spoken to them today about taking out this loan (for home improvements) and they have...
View ArticleWhat did I miss?
Hi everyone So I just received my first annual statement for a loan and have realised that I am paying interest every month. I was told this at the time: Amount borrowing: £9808 Amount payable: £13,091...
View ArticleLoan to clear overdraft
I am not sure if I have posted this in the right place so apologies if I havent. To briefly explain my situation i have been struggling financially through a wedding, baby and moving house. I have a...
View ArticleCar finance agreement
Hello So I have a 48 month car finance agreement. I have been paying off the cash amount but the interest is to be paid in full at the end of the agreement, as I am planning to pay off the full amount...
View ArticleCosign Car Loan / Guarantor Options
Hi All, I'm looking to assist a friend with bad credit rating. My credit rating is good. Looking a £5K loan over 3 years. I'm more than happy to be guarantor or co-sign (however we are at different...
View ArticlePart exchange or new loan?
Looked at a new car today but part exchange value was shocking. I know I can sell my current car for £1700 more than what was offered. Question is: do I get an interim loan / put 8k on a credit card...
View ArticleCar finance - HP or bank loan?
Hi any help/advice would be very much appreciated. I need a small reliable car for a new job. I have seen something suitable and the garage will offer finance. However, I have also looked in to getting...
View ArticleHELP, Friend lent me money and now threatening to take my house!!
Hi Sorry if this is the wrong thread, im new to this forum. In Aug 2019 a "Friend" offered me a loan, 30K for 3 months in return for 40K return by the 3 month date. At the time of taking the loan i was...
View Articlewelcome loan still on title deeds
hi I had a Welcome finance loan about 10 years ago that has been paid fully. I am in the process of selling my home but the welcome finance is still on my title deeds. Contacted welcome and they put me...
View ArticleCar fiance help.
So to cut a long story very short. I took out finance on a car from the Carshop. Since my brother was meant to be buying my old car. This however did not go to plan, while I was signing the paper work...
View ArticleGuarantor of loans without knowing
Hello, Can anyone please advise on what steps to take, if its not too late? Today I discovered that my partner was chased for repayment of two outstanding loans for which she was named as the...
View ArticleA letter before claim without a reply form and proof of the money that is owed?
I recently sent a Letter Before Claim but I didn't include a reply form or documents to show proof that money is owed to me. Does this matter? He knows that I have solid proof of the owed money should...
View ArticleAmigo loans
Good afternoon. Im wondering if anyone can help me I have an amigo loan Im looking to clear as it takes a a bit of a chunk of my wages. Does anyone know how I can go about this? I cant get another...
View ArticleCalculation confusion.
Sorry I’m a bit confused I wonder if you could help me. I had a loan for £2000. Over 2 years. I understood the interest to be 99.9%. Total charge of £1804. I have paid 6 months at 158.50 so £951. To...
View ArticleMassive rise in Nat West overdraft cost
Help! A quick overview of my situation. I have struggled with significant debt (£40k+) for the past ten years. Last year, I had three options. 1. Bankruptcy. 2. Contact all the companies I owe and sort...
View ArticleLoan when medically retired
A few years ago my employer retired me due to my health. The doctor declared that I would be unable to ever work full time again and so I was entitled to a full ill health pension from my employers...
View ArticleCompany Has Stopped Taking Payments
Hi folks, bit of a strange one but I took out a guarantor loan last year in order to pay off some debts. When I took the loan out they took my debit card details in order to take the repayments however...
View ArticlePayday Loan Reclaim HELP/ADVICE PLEASE
Hi Everyone, Im after some advice as im really not sure where I stand or what to do in the current situation im in. Over the past 3 years or so I have suffered with a gambling addiction (over 12 months...
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