Jump to content

Search the Community

Showing results for tags 'loans'.

  • Search By Tags

    Type tags separated by commas.
  • Search By Author

Content Type


Forums

  • The Consumer Forums: The Mall
    • Welcome to the Consumer Forums
    • FAQs
    • Forum Rules - Please read before posting
    • Consumer Forums website - Post Your Questions & Suggestions about this site
    • Helpful Organisations
    • The Bear Garden – for off-topic chat
  • CAG Community centre
    • CAG Community Centre Subforums:-
  • Consumer TV/Radio Listings
    • Consumer TV and Radio Listings
  • CAG Library - Please register
    • CAG library Subforums
  • Banks, Loans & Credit
    • Bank and Finance Subforums:
    • Other Institutions
  • Retail and Non-retail Goods and Services
    • Non-Retail subforums
    • Retail Subforums
  • Work, Social and Community
    • Work, Social and Community Subforums:
  • Debt problems - including homes/ mortgages, PayDay Loans
    • Debt subforums:
    • PayDay loan and other Short Term Loans subforum:
  • Motoring
    • Motoring subforums
  • Legal Forums
    • Legal Issues subforums

Categories

  • News from the National Consumer Service
  • News from the Web

Blogs

  • A Say in the Life of .....
  • Debt Diaries
  • Shopping & Money Saving Tips
  • chilleddrivingtuition

Categories

  • The Youth Academy
    • The Youth Consumer Service
  • Miscellaneous

Find results in...

Find results that contain...


Date Created

  • Start

    End


Last Updated

  • Start

    End


Filter by number of...

Joined

  • Start

    End


Group


About Me


Location

  1. Hello, I'm in a spot of bother with Erudio. Thought I was being clever/daring etc... by returning their letters over the last five years last week received a claim form through the post, at which point I (sensibly) lost my nerve and found CAG whilst searching the internet for help. Have followed the advice in the small claim thread, filed my AOS (today), and written CCA Request and CPR31.14 to post tomorrow. Details of claim below: Name of the Claimant:Erudio Student Loans Limited C/O Wilmington Trust Date of issue: 21 NOV 2018 Particulars of Claim: 1
  2. Hi all, I am not the first to post on this issue but I wanted to get some advice about the appalling mess that Sallie Mae UK created when it went bust. They were a subsidiary of the American private loan company and they briefly funded postgraduate education in the UK for a year or two. I foolishly borrowed money in 2006-7. They folded and the debt was passed on to various companies: Eagle Consulting, Total Credit Financial Services and most recently, Capquest who I believe are a debt collection company. There has been the odd complicated statement with huge
  3. Hi, I've tried to have a good look through the website, which has always been a great help over the years (thank you so much!!) but I just need to clarify a few things before I end up doing something stupid. I had the old mortgage style student loans with the Student Loans Company back in 1993 and 1994, and deferred them over the years due to low income and poor mental health. I don't know if I'm remembering right but I think the last time I acknowledged the debt and tried to defer again was 2012 or 2013 (not a good year personally, don't remember much). Fast forward a few ye
  4. I took out a mortgage with the Money Store in 1999 and it was transferred by them to Platform Funding Limited later in 1999. Although I wasnt self employed then the Mortgage ppi was just added to the loan £1,825.80, I was never asked if I wanted it and it was an upfront payment. As a few months later I paid the mortgage off and subsequently the mortgage ppi. Is it too late to request the ppi back. I have the mortgage account number and I understand Platform is now owned by the coop? Who would you contact?
  5. Hello I am deaf and me and my wife took a loan out of £16,000 secured loan through igroup Ltd via loans.co.uk. We believe we have been misold with PPI. I wish to make a PPI complaint so can you please point me to the right direction to who I should make a PPI complaint to? The loan was taken out sometime between 2001-2003, not too sure and we have lost the original agreement, unfortunately. Please help? Many thanks Angus
  6. Hi All I have been trying to get my deferment debt which was applied to my student loan from 1993 ,even though I have contacted them many times as I was homeless in 1998 -2003 but still contacted them ,its now 2019 and they still insist I owe them even though I was assured by them in 2002 it was taken off . It now seems in the hands of Link financial and thesis loans with Honours trustee being the owner or something , As I am in University now for a PGCE there is a block with this deferment ,which I thought was resolved in 2006 when I had a personal apology from CEO o
  7. Afternoon all, I purchased a £300 car to use for a parts car whilst restoring another car. As it happens I didn't really need anything so sold it on 3 days ago for a little under what I paid. This morning I received one of those letters from Loans2go starting it's there property and they want it back. I was a little taken back as I HPI checked the car but realised after checking report this morning that it was the cheapo option which didn't include finance. Naturally I only use the more expensive hpi for expensive cars..... I called them up and explained I wasn't aware et
  8. I graduated back in 2002. I know after that, the Student Loans Company sent me deferment forms which were filled in and accepted. Erudio took these over years ago and I have never received any deferment forms from them, or any way of doing so. I've made no payments or, as far as I'm aware, acknowledged anything with them. The other day, 3 brown envelopes arrived from Northampton. Opened one and it was a County Court business centre claim form for £2400ish against me from Erudio / Drydens. (Letters from Drymens telling me that I would receive court papers arrived a few days later).
  9. Hello, i have had a loan with cash on go ltd peachy loans in August 2012, i didnt pay it back and they defaulted it on 07/11/2012 , this was showing on my credit file up until about a month ago when it just suddenly stopped showing on there. It has now reappeared in November but they have set the default date to one in 2016, when i have proof it was defaulted on 07/11/2012. Why would they do that? I have emailed the CRAs to tell them is there anything else i should be doing? Should i contact Peachy direct. I'm not 100 percent sure if it is it stat barred as i ma
  10. Hello everyone. I'm getting anxious about my currently deferred student loan and seeking some advice/guidance/reassurance, please. I have four mortgage style student loans from the early 90s and as I’ve beenbelow the threshold I have been deferring them; every year since I graduated. It’s all been pretty straight forward and deferment granted promptly. Last year’s deferment letter from Honours Student Loans(and maybe several before that) said, if memory serves, I was in breach of theloan T&Cs as I no longer have a direct debit in place. It must have ‘timedout’, as I’m sure t
  11. Hi I'm so glad to have found this forum. I hold 5 student loans from years 1996 - 2000. The 1996 & 1997 loans are with Thesis The 1998, 1999 and 2000 loan are with Erudio I have never received a DAF from Erudio or signed any document with them. My loans have always been deferred thorugh the Student Loans Company, who now seem to have rebranded as SLC. Historially I've occasionally been late submitting deferment but it's never been an issue. I did not receive a DAF from anyone in 2017. Erudio have sent me a default notice letter saying I had to pay my a
  12. Hi all, I just wondered if anyone had gone up against Amigo Loans in irresponsible lending cases. i have had a few loans from 2015-2017 with various top ups just wondering if i might have a case? just checked what i had 3250 16/05/2012 2250 11/09/2014 4250 03/04/2015 5000 29/04/2016 was in a DMP with payplan during the first two loans started missing payments around 03/09/2015 for a few months as was in financial difficulty
  13. Hi all, I was posting about CCA request which led to unearthing my other accounts and I was advised to start another thread in this forum as I may be able to get my PDL wiped under the irresponsible lending rules. I have the following to my name: EuroCashNet (Quick Quid) £770 Instant Cash Loans (Month End Money/ Payday UK) £300 I have been paying towards these on a DMP and i'm due to make a payment in the next couple of days. Any help would be greatly appreciated. Many thanks in advance.
  14. had a letter come through the door from the land registry. this was telling me that amigo loans had applied to have a charge put onto my property due to my wife standing as a guarantor for her cousin. you can imagine this has come has a major shock to me as i was not made aware of this by my wife. my permission would never been granted. i have until noon on thursday to reply to the land registry as my wife is a bit simple she said she did not know what she was entering into and the consequences. can i add this was the first time we have heard about this the land registry let
  15. Hi...I am hoping someone can give me some advice regarding Amigo Loans. I 'stupidly' went guarantor for a relative with Amigo loans about 2 years ago. They paid their payments on time every month up until May 2018. At this time, their partner lost their job and they could no longer afford the repayments. Knowing this, they contacted Stepchange and went on a DMP straight away. Amigo will not accept the payment that was offered by Stepchange and have started to chase me for the money which is expected. I unfortunately am in the same situation as my husband lost his job
  16. Dear Forum Members, I used to be in a mess getting by on PD loans and had up to three concurrent ones Thankfully with the help of family members I managed to pay them off. At least I now pay off my debts with no interest ... I recently found out out about your website and decided to make a claim for irresponsible lending. Both QQ and Wonga rejected by claim so I went to the ombudsman. As some of my loans were more than six years old, QQ replied that they will not deal with them. The ombudsman has offered me two options: Continue claiming for all loans which will take mor
  17. https://www.gov.uk/budgeting-help-benefits/how-to-claim Swift process took less than a minute to complete be aware it is still beta testing You’ll get a decision by post within 15 working days.
  18. I`ll be brief because I suspect this subject has been discussed elsewhere, however I have trawled through pages of threads without success. I have received my SAR from Welcome Finance for the five loans and HP I had with them from 1999 through to 2002. Aviva have paid up £1700 PPI redress for one of the post 2000 loans but are refusing to pay for the other post 2000 HP Loan as they say the PPI was clearly evident on the form. What they have done in error is state that I was in full time employment. I was working full time, but I was self-employed as a trade plate dr
  19. I am on the new style loan and after moving repeatedly I haven't had any contact since 2015. I now live in France and was wondering if anyone has ever successfully lost student loans? Would I be unable to return to the U.K if they have lost me?
  20. Hi I.m new here and need help . Over the yrs me and the wife have had provident loans we have defaulted 3 times on them for thousands over the yrs. They still lent to us mind. Over last few yrs we have never missed a payment but got our self in debt with them. To the point we paying £200 a wk in repayments over long term. We kept renewing loans for more to keep money in our pockets it would last us a fee wks until next renewal to the point that we are at the limit. We did pay it off once to lower payments and renewed straight away then to get more money back bu
  21. Hello all, I've tried to read as many posts as possible but cant pin down the best course of action for my exact circumstances, I have several mortgage style student loans from 94-98 period that were sold to Honours (HSL/Link outsourcing) back in 1998 but SLC still do the deferment processing. I have always got my deferment forms in on time and have never earned anywhere near the threshold so was looking forward to getting the rolled up "package" of loans cancelled in 2023. But this year SLC never posted the deferment form and like a fool I didnt get around to chasing t
  22. Please help, First time I received my salary and my outgoings monthly payments are bigger than amount received. I have unsecured loans and pay day loans and this Month I won’t be able to pay 3 of them, I read all the 10 steps but I am still panicking, I have more payments than my salary and I need at least 3 Month to back to "normal" when my paY day loans will be paid in full but this Month and next one I have to stop some payments. Please help and let me know how to go the creditors and what I can ask TO HELP ME, WHAT should I tell them? Can I ask to freeze
  23. Same old story I'm afraid..... We had a loan via GE Money/Home lending for £5500 and had only managed to make a few payments on the account when i lost my job. We spoke to GE and advised them of the situation, that the problems were only temporary and that we would make arrangements for the arrears to be cleared as soon as possible. The call taker insisted we make a payment arrangement but as we were living off thin air I was unable to do this. I offered £5 a month token payment which was refused and advised i couldnt do anymore at the present time. The debt was subseq
  24. Hi, I had various loans from wonga in 2011 date - 11/07/2011 amount - £135 interest+fees - £29 date - 03/08/2011 amount - £280 interest+fees - £60 date - 29/08/2011 amount - £523 interest+fees - £172 date - 30/09/2011 amount - £660 interest+fees - £189 date - 28/10/2011 amount - £780 interest+fees - £223 date - 30/11/2011 amount - £973 interest+fees - £179 I made a complaint of irresponsible lending as i regularly was unable to pay bills etc. they have offered me £159.91 plus 8% interest which totals £222.58. Should i take this further to the fos or sho
  25. Hi first time posting on here. I like most got caught up in a payday loans trap, I took out multiple loans with wonga and quick quid, I was paying one off then borrowing from another to live on because the repayments was most of my wages, I am posting on here to try to claim the interest back on my loans as I believe they was leant irresponsibly, when I first started taking the loans out I was already in debt to Halifax due to a £1000 unauthorized overdraft, that's now sold to 1st credit. I have emailed wonga and quick quid this email. To whom It may concern,
×
×
  • Create New...