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New loan
Hi there, Does anyone know where I can get a loan of £5000. I have what you cal a bad credit history but I now have a steady job as a Midwife and have for 5 years now. I have CCJ and some defaults but feel that I am being punished for being a single parent putting myself through universty, no no one will touch me with a…
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Harvey & Thompson
I took a loan out with these 4 months ago. They have failed to request my direct debit from the bank every month and so have come to an agreement to pay them on my card every month. Now this month, my payment came off my card as usual on the 6th, just logged in to my bank to find they've taken my payment again! I'm…
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Car finance
Hello, This is my first post and I am a newbi to this forum so please be gentle;) .
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please help! credit score for loan...
I need to get a £6500 loan for a new car, except i'm being turned down left, right and centre due to a confusion over a direct debit. I got a tv on hire purchase last july, it was for my partner to pay for, except he lost his job a month later, we agreed with GE money a reduced payment of £5 a month until we were back on…
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loan finder uk ?????
MSE official insert: This thread has been closed. Complaints against Loanfinder UK Limited and their response included the following: 1) Complaint: Fees are taken out of customers' accounts without authorisation, using debit cards, the details of which are purportedly taken for identification or credit check purposes only.…
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Zopa collections charges changes
Zopa has written to borrowers saying that form 1 September they will change collection charges from a fixed amount to a percentage of arrears, from 15% to 25% and up to 40% for a personal debt collector visit. If you have a loan via Zopa you may wish to contact the Office of Fair Trading's Consumer Direct helpline on 08454…
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Personal Loan from bank...Is there a cooling off period?
Hi To help sort out an overdraft my bank arranged a personal loan of £3k. The rate is awful (some 21% apr). I know I might seem mad accepting that but I needed something quick as I was over my overdraft limit with £15 a day charges and 3 weeks till next payday. Someone told me there's a "cooling off period" where I can…
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Sorting credit file out and almost there but need £500 loan
In the last 12 months i've almost sorted my credit file out from what was horrendous (CCJ's, defaults etc) to now only having 2 defaults which I am in the process of clearing. I've also put myself on the electoral role and was on the register as of last week however they've said it can take 6 weeks to show on my credit…
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Repaying Northern Rock loan
Hi all, I am new to this forum although been signed up to the newsletter for some time. I have a loan with northern rock with a year left to run. It seems that my loan is subject to rule 78. The loan was taken out in June 2005. The loan amount was £10,500 at 6.9% apr. However when requesting a redemption statement it seems…
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Can I ask my bank to manually consider my application?
Hello! I currently have two unsecured loans - one is a 7.9% Graduate loan with Barclays that has an outstanding balance of £5,973 and the other is a 14% unsecured personal loan with Abbey that has an outstanding balance of £12,693. My credit rating is currently 'poor' (621 on Experian) but I have never missed a payment on…
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Car loan
Hi Not sure if anyone can suggest anything but I am in need of a car desperately. I live in the middle of nowhere and a car is essential.....mine has just died. THe problem is I am not long out of Bankrputcy so findng it very difficult to get Credit. Any one have any suggestions on how I can obtain credit to get a car 3K…
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Firstplus Help Needed,
Hi folks, I think this is my first post and would really appreciate someones guidance and help. I took out a secured loan of £31000 from FP back in Aug 2007 and have been paying £320 Per month without missing a payment. I believe this equates to around £8000. Due to the recession this has crippled the value of my home.…
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Loan Satisfaction
I am about to apply for a career development loan to fund an MSc, and in preparation for this I paid off a personal loan from HSBC in full about 3 weeks ago. Tonight I have run a credit report on Equifax and the loan is still showing as outstanding. Typically, how long does it take for loans to be "satisfied" on my credit…
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log book loan idea
hi, i was wondering, as i want to sell my car anyway can i just get a log book loan and not repay any money, then would they just collect the car or would there be a black mark on my credit history or would they try and get more money out of me after?
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want to consolidate but credit rating is 'very poor' cos of too many credit cards(!)
Evening everyone. I really do hope someone can offer me some advice here. Basically I have 5 credit cards and £22k debt spread across them. I make at least the minimum repayments every month (often more) and always on time. I've had 4 of them for over 4 years. I really want to consolidate all this debt into one loan.…
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I need a Hero!
I am the foolish girl who got carried away taking out a loan of £4,000 total amount payable £5,673.12 plus LPI £1,163.04 GIVING A DEBT OF £6,836.16! I have missed payments this is now in the hands of creditors and not Llyods TSB who it started with. Not sure how long I have had this but must of took out in the last 6 years…
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Mums Bombshell
Hi sorry real newbee Just back from a shocker...Just found out that mum's in debt to the tune of £26500 with 'B***lays', an unsecured loan she took out in 2006 to repay credit cards. To put this into context-mum n dad are both retired (mum 66 dad 70) living in rented warden assisted flat,on their state pensions with a…
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adverse credit loan required
hi all, i am in full time work earning around 40k+ per year, in my past i had not taken my credit seriously and due to that have recieved 2 ccj's and one default. the 2 ccj's total around £1600 (registered in 2004) and the default i am contesting with nat west at about 5k. my situation is that i am in desperate need to…
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Need £11,000 loan for a car
Hi all We need an £11,000 loan for a car, are putting a £9,000 deposit on it, just need something to cover the rest. Seat (who we are getting the car from) are quoting us 10.9% APR....anyone know where we can get something cheaper? Thanks in advance :beer:
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GE money / Santander
I took out car finance with GE money in 2007 which still has £6000 outstanding which I am paying £188.33 a month. I had a letter from Santander to say that they have taken over GE money. I recently read a thread saying that it is not car finance anymore and that it is a personal loan with Santander, could anyone clear this…
