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Cant get a loan! help!
I am starting my own business as a cleaner and a car is essential. I have found a car, and over the weekend found out that i was turned down for the finance as they need to see past 3 months bank statements! the only problem is i have not had a regular income for the past 3 months because i have been trying to prepare for…
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Best way of attacking this 11.9% EggLoan?
HI all A few months ago before I had a lightbulb moment and had huge spending problems, I consolidated £11000ish of a 7.9% APR Egg Loan and a £5500ish of an Egg Green credit card to a 11.9% APR Egg Loan and spread it over the maximum period (84 months) - it is currently at £16433. This enabled me to reduce the monthly…
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Is it a serious crime to lie about your wage?
Is it acceptable to round up £21,800 a year to £22,000? Ofcourse, honesty is always the best policy Out of curiousity - do people go to jail for fraud for lying about this? Can the companies check? (Do they ring up employers?)
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I'm not on the Electoral Roll fora valid reason. Will this be a problem ?
Hi, From 1993-1999 I was on the electoral Roll at my parents house I lived as a student in mutliple properties since then. I now live in London and am not on the voters roll (student accommodation) What should I do when applying for a loan Will this be a problem .. for applying for a loan?
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Paying of a Discounted Finance Deal
I'm seriously tempted in purchasing a new car to which the showroom price has been subsidised under a manufacturer-assisted finance deal. I'm not too pleased with the rate of APR that's part of this deal, but (in true MSE style!) I'm tempted in going ahead in applying for the deal and when it's all done-and-dusted, pay off…
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money supermarket to get loan?
Has anyone used moneysupermarket to get accepted for a loan. I have recently made some applications for a loan have been declined 3 times. My score is dropping all the time because of this. My credit score was 907 and is now 750. I dont want to keep trying, for obvious reasons. I am getting married and want to buy a car, I…
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Trying to pay my loans off faster.
Hello, I'm a Debt-Free-Wannabe! I'm currently paying £400 to my two credit cards. They should be cleared by March 07! :j I also have 2 loans which I'm paying at the moment. After I've cleared the credit cards I want to concentrate on the loans. One is with the AA for about £5000 (maybe a bit less now) and the other is with…
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Loan Advice
Hi, Looking for some advice on a loan application as am new to all of this. I am British but spent some time living in Australia with my wife and have only been back in the UK for the last 2 years and most of the loan applications that I have looked at require you to have been resident in the UK for 3 years. My current…
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CCCS... and the other CCCS?
I've just found entirely by accident what appears to be a quite cynical attempt to exploit people who fall into difficulties meeting their credit obligations. Whilst searching for CCCS to put the URL in a reply to another topic I found the first sponsored link was c-c-c-s.com. Not Consumer Credit Counselling Service but…
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Nationwide don't count dividends as income
I've just wasted about a week of phone calls trying to straighten out what seems to be a recent policy change at Nationwide. Basically I applied for a loan online, stated my income as described, they accepted my application and sent me the forms asking for proof. Then I asked them what proof they would need for company…
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Taken out more than one Professional Trainee Loan, Can't make repayments anymore
This all started when I opened more than one student account because of the 'freebies' I have a student account at - NatWest - RBS - HSBC I worked at NatWest so I got to know a few thigns... (like NatWest and RBS are owned by the same company) I was doing Dentistry and took out a professional trainee loan from NatWest I…
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what can i do?
hi i was wondering if anyone has any advice for me basically i had a loan at the age of 18 from my bank for £5,000 and a credit card which i ran up to the limit, which they kept increasing till i got to £3,000 then i cut it up. anyway i ask the bank to consolidate my loan and credit card because i was having difficulty…
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Help Please with RBS unsecured loan
Please help We are currently experiencing difficulties financially !! We have written to our credit card company and other loan company explaining our problems they have been great reduced our payment stopped interest etc............. We have a loan with RBS which is also our bank We have written explaining our position…
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Black Horse loan
I am trying to help a friend sort this one out: Loan amount £5,000 PPI £3,482 Interest 23.9 on both original amount and insurance. over 120 months total repayable: £173.17 X 120 months = £20,780.40 and to cap it off, Blackhorse have secured the loan against the property. I would like to have the charge on the property…
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halifax loan help please
i got a £4000 loan from halifax a few months ago. i have terrible interest rate of 15.65% therefore will pay £141.32 a month for38 months totalling £5,087 i make my first monthly repayment next month last week i called them again to extend loan to £7000 to get a lower interest rate over longer months and to pay around the…
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Cancelling my PPI with A&L...
I wrote off to A&L to cancel my PPI. The first letter came back and said that as the PPI was for the duration of the loan then they had to cancel the loan and then restructure a new loan. There was no details as to APR's of the new loan just an amount to pay each month (about £18 less than I have been paying). I wrote back…
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Loans, More for Less - Save £1740 on a £5K Loan - from someone in the business
I have been working as a computer programmer in one of the UKs leading internet banks for a long time which unfortunately makes me the enemy. But in order to try to balance out my karma I thought it was about time to pass on a couple of tips, to other moneysavers. You may or may not know that for some banks there is a…
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Overpayments to firstplus
I have a £30000 (8.9%apr) loan with firstplus. It was something I had to take out as a stop-gap, but am now in a position to make some hefty overpayments. My aim is to get the loan below £25k asap, then repay it using a conventional loan. Fees for paying off early are 2 months interest + "admin charge" which I believe is…
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Help with loan application
Hi everyone I would like some help with my loan application. I want the loan to pay off my credit cards and be better off. On the application form it asks the question what is the loan for. Is it better for me to say I want the loan for something other than paying off my cards. Usually the question has a drop down menu and…
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Finance Help For My Mum And Dad - Please...
Hi all, I need some advice, for my parents; Dad is 61 and has been working alone from home for approx 17 years as architect (or whatever they are called now) He has very little in the way of a Pension and no savings whatsoever, Mum is 62 and works as a Laundry Person at the local hospital, part time. She brings home approx…
