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Do loan companies have to report to the credit ref agencies?
Hi I have a two year loan with Welcome Finance which I am just over half way though repaying. I took it out initially as I have a poor credit rating fom a period of bad debt which was all settled in Jan 2007 after the sale of my house. In an effort to improve my credit rating I took out this loan and a Capital One credit…
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Is a Loan the answer?
Hello, Im currently £1.2K into my £2000 limit overdraft. However, due to graduating in July 2005, my interest free overdraft with Natwest has since been reduced to £1000. This means I'm £200 over my limit. This amount will probably rise to a further £100 over the limit as I dont get paid until the end of the month. The…
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Need a loan and not doing very well! help
Hi all I have tried to get a loan from my high street bank and they have turned me down just as I dont meet their criteria and even though my credit score is classed as poor they said it wasnt that! I have 4 debts, totalling £8,650 with a loan from Every Day Loans which due to their high interest pushes up my repayments in…
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Advice regarding offering a settlement on a personal loan
Hi, My husband has a loan with The AA. The original amount borrowed was £7,000 over 50 months (48 repayments and a two month payment holiday at the start of the loan). The interest rate on the loan is 6.95% and the monthly repayment is £168.65 He has made 11 payments to date and each payment has been on time. When he took…
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Aktive Kapital unpayed loan
Hi folks,i was wondering if someone could give me some help with a debt i had. Around 9 years ago i had an unsecured bank loan for £15000 which i took out when i separated from my ex wife to clear our debt so she could continue to stay in the house we lived in with our baby daughter. After making one payment my life…
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can my partner's loan be written off?
Hi , I heard on a radio and advert that loans can be written off, My partner took a loan june 2007, £7500, for repairs in our first time home-one bed flat. we have 10 month to repay a full debt, balance is £2500, so can she qualify for the loan to be written off?
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Quick Decision Loans
Hi, I am new to this site and hope I am in the right forum. Have I been had by these cretins? I applied for a loan through Experian "Lower you bills" hit the button and got a call from QDL went through details was told "congratulations" you have been accepted for a loan of £XXXX for 24 months at £XXX per month and was only…
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Student loan problems
Ill try and explain it so here goes... Decided to go back to college to study an HNC, Applied for a student loan. Getting the minimum available to me. As I still live with my parents, I applied using my mothers salary details, My Dad lives and works in another country (Southern Ireland), My parents are not…
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Car credit for people with bad credit - advice wanted.
Hi all, My 1st post, and apologies if this has been discussed elsewhere. I am after a car loan (say, £4500 on loan and £4500 deposit on top). I have a poor credit record (discharged from bankruptcy about 18 months ago) but no problems since, I have 2 credit cards now, contract phone and am on the voters list. I have a good…
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Student loans
Hi I am in the final term of my course and didnt apply for a loan, as I didnt need it. But due to unforseen circumstances I now need the maintenance loan - will I receive the maximum entitlement still? Thanks,
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Student Loan question....
Hi all; Just had my annual statement through and had a bit of a shock with my student loan. I actual owe £16,848 and in the past year after interest i paid a grand total of £70 of this amount. My earnings have gone up slightly so following year i will pay of more however does the 3% interest i'm currently paying sound…
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mortgage free, no debts, need a loan
:rotfl:What would be the best option for securing a £20,000+ loan for major home improvements naomisal
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Small loan £2500 for car best idea?
Im looking to get a car from a garage so I can part ex my current car as its not worth much and its the best idea for me. But most loans start at £3k and they apr is high and there ends up being not much difference between that and lending £5k. Rather than lend out lots of money I thought Id go for £2500 to lend and just…
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HP Loan, a bad decision and a pile of stress
Okay, I'd like some advise and opinions on a really bad decision my Husband has made with a old HP debt, i have a feeling he'll get no positive responses but i can explain anyways and what comes back comes back. My Husband is REALLY bad with his money and has got himself into quite a bit of debt, i took over and organised…
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Credit Agreement signed no goods received. Company has gone into liquidation!
My husband recently signed a credit agreement to finance the purchase of a moped but a week later the supplier (shop) went into liquidation and we never received the goods. The finance company still want us to pay as they have already paid the supplier. We are trying to get them to cancel the agreement by holding them…
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Help, paper free direct debits??
Recently my gf applied for a loan and at the same time was asked about health insurance. She told them no thanks and then re-thought about the loan a week later and decided against it.( thankfully!). She never returned the loan app form and thought no more of it. A month later a DD was taken out of an old account for…
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Loan help
Hi folks, Looking to borrow around 8000. I had been refused by my bank and another lender. I received my credit file and have an entry that I am disputing. Tesco are saying I settled a loan from 2001 in 2005 and the payments were more than 6 months late. I am disputing this and hopefully experian will remove once I provide…
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A little help please
Hello, I am in need of a little help please. Essentially, my father has had a loan with Welcome Finance for approx 6 years (£17,500k original loan... paid nearly £19k... outstanding £21,800!!). He has been paying this for the last few months and we have also been speaking to Loancheck (loan checking company about this loan…
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Help Please.
Hi, Bit of a weird one here. I have ust graduated from Uni this year and have decided to stay in part time work for rest of the year. I have just been offered a bit of charity work and a traveling holiday in Australia. I had the money to pay for my flights and hotels already. I decided I need around £3000 to live off, as I…
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Loan or not to Loan!!!!!
Hi I need some advice and help. I currently have a personal loan with 8500 left to pay over 4 years I also have a laon attached to my mortgage of with 12000 left to pay over 30 years. I was wondering if it would be better to put them both together and get on loan which will be paid over 7years or leave them as it is. Any…
