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Found 5 results

  1. Hi all, I made a big mistake and took out a Ladder Loans loan for £400. Two days later I awoke in a sweat and knew I needed to make good this awful error. I telephoned them and notified them of my intention to cancel under the CCA 1974. I paid the balance of £401.61 and asked them if it would be registered to the CRAs. They said it would, which I found hard to swallow. I have cancelled the credit agreement in the cooling-off period and believe they cannot record the loan with the CRAs. Am I right in thinking this? Also, they have emailed me
  2. Hi, I'd really appreciate some advice on how best to tackle Ladder Loans. In summary I borrowed £2000, have missed a few payments but even so have paid them more than £4000. I'd now like to know whether a full and final settlement is the best option, or whether I can fight this and pay nothing more The details are as follows: 1 - Ladder Loans is part of Inventive Finance Ltd, which I've found out runs a network of payday lenders. I was offered £2000 in July 2013 on an 18 month repayment schedule 2 - The APR per annum is an eye watering 299%, meaning that according to
  3. Got the following from Ladder Loans, and someone please explain the arrears balance to me, and what I actually owe? Thank you for your email. The total amount remaining to be paid under your agreement is: £733.95 After looking at your completed Income and Expenditure Form, I can confirm that we will be willing to accept a reduced offer of repayment for a temporary period of three months. I can confirm that the agreement has been set into place on your account and repayments will be collected as follows: 01.06.2013 £20 (£61.55 will fall into arrears) 01.07.2013
  4. We explain benefits and drawbacks of options ranging from special mortgages to outright gifts First-time buyers are rushing to the property market for fear that prices might spiral out of control before they can get a foot on the ladder. Figures calculated for The Telegraph by Halifax, one of Britain’s biggest lenders, suggest that record numbers of buyers aged 20-45 are turning to their parents – or grandparents – for help. But what is the best way for families to lend a hand to young people in their twenties or thirties? There are various options, from special mortgage products t
  5. Hi everyone, I was just browsing through the internet last night (as you do when the weather is against you) and came across a site: http://www.ladderloans.c o.u k. Apparently, they are a trading name of Inventive Finance Ltd and offer loans between 6 and 18 months at around 299% APR. I've searched to see if there was any other information on them on the web but can't find anything other than [problem] checks saying the site is okay, but nobody's personal experience of using the company. Apparently, they are a direct lender as there is no mention of brokering anywhere on the site.
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