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Advise required on borrowing money.
Hi. I am looking for some advise on the best way to borrow some money. Our main problem is that neither me or my other half are working and are not likely to in the near future. My oh is disabled and our monthly income is £1000. We have debts of £10,000. We have £10,000 left to pay on our mortgage for the next 10 years. We…
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turned down for a loan
i was turned down for a loan of £10000 at 6.3% because i refused to buy their payment protection insurance, or life cover. :mad: i have no credit cards a good credit history, and earn in excess of £30k+, not to worry though, there are plenty of other leners out there, offering a good deal
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Bad Credit Help
Hi, sorry if this is posted on the wrong forum, but here goes. Myself and girlfriend have been living in our new mortgaged home for approx 14 months now and we have been having problems swapping are current loan of £17000 to a new bank with a better rate. I have had the equifax report back and it says I have a good credit…
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Can anyone give me some advice?
Hi there, Adding up my all my debts i've got around £14k Around £8k on a loan with the Nationwide And about £5k across 4 Credit Cards And £1k-ish overdraft My loan payments are £270 a month for the next 3 and a half years and I spend around £200 on credit cards but the credit card debt doesn't seem to go down and i'm…
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High interest rate
Hi, I am looking for a loan for a new motorbike And also to pay off my LloydsTSB loan that I took out with loan protection at 12.9% before I knew anything about loans. (There's £2000 left, no early redemption fee, so I thought I would make a big saving by paying that off) I am getting £5000 in total to leave me with £3000…
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Can't understand my credit score
I have recently been refused an unsecured £8k car loan, and having never been refused credit before, I decided to check my credit score with Experian. I was shocked to find that my score was 567 (Poor). I have an excellent credit record and have never defaulted on any payment. I have a regular income (£34k), am a…
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Student Loan Interest and Repayment
I am trying to build a model in Excel to work out my current student loan position and would be grateful for some help on the following. INTEREST CALCULATION I cannot quite model this properly - is the interest calculated on a daily basis and then compounded e.g. if you owe £10,000 daily interest rate is 0.005% = 50p. So…
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WOW just recieved a refund for pp even though i didnt ask!!
i recieved a letter yesterday saying that my loan which was paid off last year has been reviewed, and they decided that i should recieve a part refund of my pp payments, i didnt even ask!! the bank say its part of there on going customer satisfaction???? well im pleased, even though its only half the amount, i am shocked!:T
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Car lease disguised VAT
Hi I recently asked for a quote from a certain major car lease company for use in my business. The car was suitable for my needs so I went ahead and placed a confirmed order with the lease company, supplying my bank and credit card details as a credit check. This form had to be signed and faxed across before the order was…
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Help please!
Hi bit of a tale but i hope someone can help about 3 years ago me and the other half found ourselves in dire straits financially ( various reasons overspending on credit cards and a major illness) to cut a long story short we went into debt management with chiltern we gave them all of our debts etc and they told us an…
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Why am I being refused (credit report..)
I purchased a "checkmyfile" report in July 2006 and just now (June 2007) The number to the right is out of 1000. 01-06-2007 Experian 393 01-06-2007 Callcredit 775 01-06-2007 Equifax 792 07-07-2006 Experian 393 07-07-2006 Callcredit 703 07-07-2006 Equifax 792 My experian report has nothing wrong except 0 searches…
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Business Grant Advice
Please move this thread if its in the wrong place ! :) My sis wants to set up her own small business providing a service to elderly people or people with learning difficulties in the Derby area as a activity co-ordinator. She has a qualification in Occupational Therapy. She is looking into the Princes Trust for a grant but…
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Serious Help needed - I've been a fool !
How i wish i had visited this place earlier. I'm currently trying to get an unsecured loan in the amount of £4000 to consolidate all my credit cards over the period of 12 months. As my credit rating is a little spurious, i tried to get a loan through my workplace (High street bank) to begin with, but was declined. I opted…
