Loans

Archives for August 2006

tenantloans sharks?
Someone I know was sent a letter from tenantloans saying they had been accepted for an unsecured loan of £5000 paying back £110 pcm for 5 years. She thought it was brilliant offer and filled it in and sent off a fee of £49 to get priority proccessing. A letter came back saying she couldn't have the offer but she could have…
defaults on credit history
hi i have been trying to get an unsecured tenant loan for £22000 but i have 3 default on my report from equifax, i am paying regular monthly payment on each of these, so is that still classed as default or can i ask for them to be removed from my credit report. also can anyone recommend where i can get my loan from having…
Turned down by AA - what next ?
Just been turned down by the AA for a Car Loan. What should I do next ?. Try another 'cheap' lender or look to the much more expensive lenders who may have slightly more relaxed lending criteria. Any advise very welcome. Current car is knackered and has to be replaced with something very very soon. Thanks.
Net Salary or Total Remuneration?
Folks, my Net (contracted) Salary (albeit before tax is £27k), however once I have added my bonus, and pension contributions plus flexible benefits allocation, my total remuneration package is £36k. When applying for loans/mortgage, is it acceptable to use the larger figure - at the end of the day, if I opted out of my…
Cahoot Flexi Loan Interest Increase
I just received an email from Cahoot stating that because of the Bank of England's recent rise in interest, my loan's interest rate will increase from 13.08% to 14.9%. This is a considerable increase for me. My finances are particularly strained and I cannot afford any increase in my outgoings. Is there anything I can do?
Small long term loan
Hello I am after borrowing about £7000 but would like to take it over 30 years if I can. Can anyone advise anywhere which may offer this - I do not mind it secured against the home but do want a competitive rate Many thanks :)
Campaign to Force Companies to disclose reason for refusing credit
Hi All, Having been refused credit for the first time in my life recently (I have a very good record, and I'm an existing customer??), I feel that companies should be required legally to tell you precisely why they have done so, and give you the chance to correct it if appropriate. Whilst I accept that you have no right to…
financial associate impact on loan application
hi all, wonder if anyone can advise... OH is planning on a small loan to help him start a new business. Checked his credit report and all is ok, lovely green O's showing he's always up-to-date on his payments and over 900 score. My concern is that although our finances are totally separate and we have no joint accounts…
Private Loan for a Student?
I am a full time law student, working P/T - earning around £6000 a year. I am looking to borrow £2000 in addition to the grants and loans offered from the Student loan company - I will be in a position to repay this loan over 1-2 years... So will private loan companies consider students with a low income? If so, can anyone…
Anyone know this lender?
We have a secured loan with a lender which i'll be honest, I have no idea who they are! Hubby dealt with this loan & then 'filed' the paperwork probably in the bin. Anyway, on my banking they come up as: FNHF Colls A/c SPL Any ideas?
AA Loans
Hi...does anyone know what AA loans are like...any bad experiences or glowing reports?
personal loan - annoying calls
my hubby is late on his pymt for his personal loan. EVERY day the funding corporation (provider) have rang him AND sent a letter, even though he has spoken to them every day to let them know that he can't pay it until next wk (payday). the 1st lady agreed that this would be fine, but now it's not and they have sent a…
Could the banks break into my flat to recover debts whilst I'm in Oz
What happens if someone is out of the country and owes money to a bank. In my absence, could they go to the courts and get permission to break into my home and recover the debt? What's a 'Bailiff' as opposed to a debt collector? With any luck, I should be able to pay it all of before October, so this shouldn't be a…
car finance wranglings...
hi all, i am in the process of purchasing a new toyota. when i was first looking around a couple of months back, my local dealer said they could do finance at 5%. I ended going to another dealer who could do a better price on the car and who said that as a flagship dealer, they were sure to be able to match the offer we…
Car Finance
Hi, I'm new here and I need some advice regarding my car finance. Last April I bought my first car (a 1.2 Nissan Micra) from a dealer. The car was worth £6000 when I bought it. The dealer gave me a five year finance deal with Capital Bank with an APR of 17.3%. My monthly payments are £142.50 which is quite comfortable on…
Has a Natwest Error ruined my Credit Score?
I have been working on a Loan deal from Natwest, now when I initially applied I got a rate of 7% which was Ok with me, however I have come back from holiday and it appears they wrongly entered in some details, as a result, so I went back to the branch and they re-keyed (effectively re-applied) for the loan and guess what…
Credit Score!
Hi, I know Martin said there is no such thing as a credit score but I have a couple of loans and need to top up, my car was written off and need more money for new one. How do I get the loan I need without getting turned down and ruining my score. It seems to be a chicken and egg situation? Thanks :mad:
Looking for more information about unsecured personal loans
Hi, everyone I think it’s the right time for me to search for unsecured personal loans. Generally, people think that it’s quite easy to get any sort of loan, but I don’t think so. Because, last time, when I procured an unsecured personal loan, I had to suffer as I paid a higher rate of interest as compared to my friend.…
Ppi
Three weeks ago i wrote to two loan companys which i have a loan from about cancelling my PPI. I wrote that i'd been advised i can do this and to reply within 14 days. I've still not heard anything from wither of them. What should the next step be?
help - credit rating evaluation site?
hello, can anyone help? i came across a site that gave you a general indication of your credit rating (and therefore your likelihood of success applying for loans/cards), by inputting general information of your financial background. it would be very useful right now as OH is thinking of getting a loan, but I have…

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