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taking a loan
hi people i am currently saving for a car and i am saving in my local credit union.. u have to save some money before getting a loan which i plan to do. i currently have about a grand saved and am going to take a loan for about £2000 to buy a half decent car. the payments are very easy u just pay back how much u want when…
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advice please experts,whats happening im lost
hi im looking for a little advice,im really frustrated with finance companies in general at the minute,here goes,i got a 6000 loan 13 months ago with AL,i never missed a payment or been late whatsoever with them,i now over 5000 with them,im currently 1500 in my overdraft(max) im looking to clear it,my intentions are to get…
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Declined By Egg!
I've just been turned down online for an Egg flexible loan for £8500 over 4 years but am unsure why. I earn a good salary (£35000), am a home owner, have no bad debts, no CCJ's, no defaults etc. When I did a search on the moneysupermarket(?) site that checks your file with it I came out as having an "Excellent" score. I've…
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Foreign student loans problem.
Hi I'm posting on this forum on behalf of my friend. She is a chinese student studying in the UK. She has been here for 4 years and hopes to be able to study here for a few more years. She has two loans only a year old. Car loan-(Black Horse) borrowed £3500 at %17.9 over 4 years. Monthly payments £108.84 Settlement figure…
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Reasons to cancel & Not to cancel PPI...
I would be very interest to read peoples reasonings on this. Obviously one reason to cancel is to save the money for elsewhere! A reason not to cancel may be that your job isn't very stable? Hope to hear from you all! Cathy xxxxxx
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help regarding car loan apr/fixed rate
hi i am confused at the various figures offered for car loan for 10.4 k apr of 7.9% by the dealer flat rate of 2.99% mentionned in the posts here 4.99% fixed on my mortgage which i can get them to put this sum on which is the best way is there a simple formula to do the comparisons please help
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Apply loans ques?
hi, i need to borrow £100000 minimum to sart a business but the problem is that im not a homeowner. can i apply to 4-5 unsecured loans simultaneously at £25000 each to reach that 100k mark? is this possible? cheers, my credit score is 750-800 approx. hope this helps.
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Car finance/PCP advice
At the beginning of this month we made enquiries on a new car that we would be financing through a PCP contract. The dealer gave us figures for a monthly payment - however these were just scribbled on a compliment slip for us. We queried the amounts as they were a little higher than we had been quoted elsewhere. The…
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Moneysupermarket.com
Utilizing Equifax "Our smart search will show you the cheapest loans based on your individual credit score! (No record or ‘footprint’ will be left on your credit history)" Am not sure exactly how they can get your credit file and not leave a footprint?? But are they saying they can more or less find a lender or lenders who…
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Graduate loan vs. Overdrafts.
I graduated last summer with semi-monstrous debts (in addition to my student loan), which are all interest-free at the moment. I umming and arring whether to take out a loan to cover my repayments as it may be cheaper in the long run. My current situation is: Overdrafts: Natwest Graduate - £2,000 (0% interest until June…
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Time between loan applications
Hi, I've read many times on here and other places that if you apply for credit too many times in a short period then it can affect your chances in being approved. Afriend of mine is trying to get a loan for £7,500. He applied at Barclays and was turned down. There are many other places he wants to try, including…
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low cost loan for home renovation?
I remember reading a brief mention somewhere - I think it may have been something written by Martin either here or in the MoneySaving Diet - that it is possible to get a low-cost, even interest-free loan to help with the costs of home renovation, particularly when the aim is to make the home more energy efficient. Does…
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Confused re:PPI....
Hi there.. I've been reading with great interest all sorts on this forum! One thing that has grabbed my attention is the subject of PPI. Hubby and I feel we are in a tangled web and want to take control back of our finances... We were stupid. We know that now but we still don't know the correct way to go about sorting…
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Loans gone mad
I decided to give Marks and Spencer a call as I've had a loan in the past with them. I ring, she tells me the APR will be 6.6%. Great news. So I go through all the stuff, £6,000 loan, 3years - blah blah. Get to the end, Great news sir, you've been approved but at a slightly higher rate. Define higher rate, 11.89% APR…
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Refesh My Memory!!
Hi Everybody....as the title of this thread makes clear, i need my memory refreshing. a few weeks ago i heard Martin on the Jeremy Vine show talking about loans. If i remember right i am sure he said there was a way of applying for a loan but the application will not go down on you credit history? Does anyone remember…
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bad credit what can I do
Our finances are in a bad state. Iv applied for a unsecure loan and was turned down twice. My other option is a secure loan, but we cont have any proof of income so it will have to be selfcert. This is what we have, please advice what we can do, We need £30 000 to pay off credit cards and a loan. We have also missed…
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Help needed on an unsecured £2000 loan
Hi there, MY partner wants to take out a £2000 fixed unsecured personal loan for 18 months, but we just don't know how to start to look through all the different companies for the best deal, we've just been trawling through. is there anyone who can tell us where is best to look for this kind of loan? thanks in advance for…
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early repayment charges
HI GUys I wondered if you could help me with the following problem I currently am facing. I took out a secured loand of £34 k 7 months ago(I know secured wasnt the best thiong to do but at that amount and my credit score it seemed the only way to do it as I desperatley needed the money). ANyway, the loan is with GE Money…
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Payment breaks?
I may be being alittle optimistic here, but does anyone know if it is possible to take payment breaks from loans? The reason I am asking is that I am due to go on maternity leave in two months and any short term reduction in our monthly outgoings would help us to increase the amount of time I get to spent at home unpaid…
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Experian score of 711 and want a £10,000 loan, where?
I want to consolidate a graduate loan, car loan an a cc balance to the total of 10,000 over 5 years. My Experian score is 711 (poor) due to 2 refered debts from 2001 which i have since paid off. I have never missed any CC or loan payments since 2001 Which loan would you reccomend going for? i aplyed to CoOp last year and…
