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Refused loan - what to do now ?
I'm trying to consolidate my credit card debt of just short of £16,000 with a loan. I applied to the Alliance & Leicester last week and have today received a refusal letter :embarasse I'm worried that the refusal will affect my credit score and further applications to other companies will just worsen the situation. I got…
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stick or twist
I been rejected by 3 lenders and then applied through the Personal Loans Centre & UCC Loans. I got a offer for a loan of 3500 at 45% APR from Welcome Finance and again rejected by Scottish London as i do not have enough disposable income (i earn 562 per month. My credit rating is 'FAIR' and i phoned my bank Barclays and…
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Trying to get my first loan
Hello, I am trying to get my first loan from a bank. Probably the bank i belong to, commerce (i hope its ok to say there name on here). I am looking to get 1500$. Reason - because i need to cover the cost of a streetbike (not sure if i am going to have to tell them what it is for though). I think i may have some credit, as…
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Am I Paying To Much?
HI GUYS/GIRLS HOPE YOU ARE ALL WELL,WHAT AN EXCELLENT SITE. WRITE THEN, CUT A LONG STORY SHORT...... I HAVE JUST TOOK OUT A LOAN OF £4000 WITH HSBC THE LOAN IS FOR 36 MONTHLY PAYMENTS OF £142 (ish) at an APR of 17.9% THE TOTAL INTEREST I WILL PAY IS £1,105 AM I BEING RIPPED OF BY MY BANK WHO I HAVE BEEN WITH FOR APPROX 9…
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Hire Purchase Nightmare 50% of interest paid over 5 years.
:mad: :mad: Hire Purchase. Nightmare 50% i paid back over 5 years. I was going to complaim about my Hire Purchase Agreement, i got it through to check to see if i had been charged PPI just to be sure and i read the finanace agreement with Black horse (Chartered Trust) the car cost me £6969.00 and the term of the interest…
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39.9% APR Typical!!!!!!!!!!!
Saw a car finance company today with this as their "headline" figure Whilst I appreciate APRS show risk Id have to say once a loan reaches that sort of necessity for APR then it should be illegal as they are basically saying the risk is massive
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money advice
hi, i am thinking about getting a loan for £2000,is it better to get a loan for this amount or use a credit card witH 0% transfer rate , any advice would be great
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First Plus Secured Loan
I have a secured loan with First Plus. It's a nine year loan and I'm about 18months into it, paying just over £500 a month. I've never had a problem meeting the payments, and I don't anticipate problems in the future, however, this month has been a really bad month financially and I'm going to be struggling to pay them. I…
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Managed loan payments
I currently have a managed loan with HSBC which was taken out a couple of years ago and put all of my debts under one loan. I understand that I cna make extra payments into the account as and when I want to although the standard repayment is £125 per month which I have no problems paying off. I am changing jobs currently…
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Loan must have a current account?
Hi all, I've had a personal loan & current account with Natwest for the last 4 years. My partner and I recently changed our accounts to Abbey, with seperate accounts for the pair of us, and a joint account for all of our bills. This has made my current account at natwest, defunct. I asked Natwest if they could take the…
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overdraft withdrawn
NEED ADVICE URGENTLY Abbey have withdrawn my £1400 overdraft.IT isnowat£1900 due tocharges and going over overdraft rate. I pay in £100 per month but they wanted £140 at least. I toldthem icould not afford that much and now they are going to register a default in 28 days if i do not clear the full amount.
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Moneybackloans
Just wondering if anybody has dealt with this company ,applied for a loan after seen it advertised on this site,which ive got to say is very good,i wanted a loan with the best apr,so i applied and apparently rejected for the loan,this is the first time i have ever been knocked back for credit so i was a bit surprised as i…
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Help with Interest rates / APR??
Hi there, i am looking at buying a car. It'll be my first new car on credit or bank loan. The car dealer gave me an interest rate of 5%. When i look at cheap loans it says 6.4% APR and my banks website says 10.4% APR... Is APR totally different than interest on finance, please help i is confused :confused: Thank you
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Student loans?
..I took out a student loan 10 years ago & have deferred every year since as I don't earn the required £2,100 a month for them to enforce it. Now I can't see me earning that anytime soon so will the SLC eventually write off my debt or will I need to pay it back? The debt is for just under £1000?:confused:
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Halifax c/card PPI - advice required!
Trying to reclaim from the Halifax: Have sent a claim to the Hellifax for £1900 worth of reclaimed PPI, and they have today written back saying no, bog off, or the banking equivalent of that. Their nonsense letter is incoherent rot containing such magnificent displays of written English as, "You have made two claims on…
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missed loan repayments
Can anyone tell me if a bank is under any obligation to reschedule loan repayments? Our daughter (against advice) took out a loan with her bank, she is a student at university and works part-time. As predicited, she has run into difficulties meeting the repayments. She did what we thought was a rather sensible thing and…
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Help Needed
I recently applied for a Barclay Loan which was rejected, I checked my credit rating which was poor due to a default when I was a uni, only 180.00 but could be 1,000,000 as far as bank is concered. However I checked my credit report, and found that the default date is wrong, it is almost listed as 2 and a half years wrong…
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Perfect repayment history but can't get a loan?
Well tried to apply for two loans in the past week for £5,000 been turned down so not going to apply for a few months. I have never missed a payments on any credit and was confirmed when checking my credit file and my girlfriends with experian, I'm 25, a home owner and current debts are £400 on 0% credit card and a £900…
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HELP! How do i stop being credit searched for loans
:confused: I recently had a moment of madness and applied to two loan brokers for a loan (thinking this was the answer to my problems!). They have since past my details on to many loan providers and now im being credit searched every time they receive my details and called various times a day. I no longer want a loan as…
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im scared but ill give it a try, but need advice
ih all im plucking up courage to send letters reclaiming ppi from yorkshire bank. firstly i had a yb visa, who do i send the letter to, y.bank or customer services. reason i ask is to cancel direct debits my local y.bank wouldn't have any thing to do with it and i had to contact customer services by phone. secondly i have…