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Help regarding CIFAS, UK's Fraud Prevention Service
I have just been contacted by the guy organising a loan for myself. He has said that there is a block on my file. I have done some delving and found this is due to my tenant who rents a house from me being a victim of fraud. My credit file reads: 'Tenants name' 2 - Victim of Impersonation. I dont understand what this has…
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Letters arriving at my address
Hope this is the right area but here we go. I have lived in my home for 6 years previous owners for 25 years. This week I have had 4 different letters addressed to my my house but nobody I have ever heard of. I opened them so I could return them to the sender. All are from various agencies collecting updaid debts and bank…
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bad credit loans?
Hi everyone, my question is, if you have a bad credit history is it possible to get a loan? as i would like to pay off all my loans and have 1 monthly payment a month, most of my debts are with debt companys now, so i could offer a reduced payement to clear the ebt, but i need the capital, ive tried many places but had no…
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bit confussed with welcome
the thing is a bought a car for around £2,500 and the whole amount i had to pay back to welcome was over £6,000!!!!!!!!!!! i give the car back the other month and they said i had to pay £1,250 they said rac had alot of work to do on the car and even give us the list and the amount they charge for things was way over tht…
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can someone point me in the right direction for requesting a credit agreement?
as in a template requesting the one from your loan company?
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Advice RE: Existing Loan & Move of House
Hello Apologies if this isn't the best place to ask this. If there is somewhere else I can go, please let me know. I have a bit of a long winded story to tell before I get to the crunch, so please bare with me here. This unfortunately, is one of those moments in life where you "wish you had never done that", but I am where…
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Loan Sharks (real ones!!)
http://uk.news.yahoo.com/5/20090805/tuk-menacing-loan-shark-escapes-prison-t-45dbed5.html The sentence passed was pathetic in my opinion, and hardly an incentive for someone else not to come along and provide the same 'service'. Almost makes Welcome or the Provvy look like saints by comparison. This is the type of…
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advice need ,welcome fiance
hi guys im looking for help and advice about welcome finance they nitemare i brought car from them 3 year ago as my credit was ruined due to my ex hubby ive lost my job couple months ago and decided to had car bk as couldnt afford it any more ive paid more than 3 thirds of this loan it due to finished july next year but…
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Will HSBC Cut My Interest Rate?
Hi, I have a 5 year loan of £10'000 with HSBC taken out at the end of last year. The interest rate was 15.2% (I think because my credit rating has gone a bit dodgy (it used to be excellent). I am getting in some financial problems now and I am considering approaching them to request they reduce the interest to something a…
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have a loan for £500 pounds pay back £88,000
a ruthless loan shark has been jailed for blackmail and threatening a family who took out a loan of 500£ andtried to make them payback 88,000 :eek::eek::eek: http://news.bbc.co.uk/1/hi/england/8185365.stm
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HELP! Bad Credit Loan Bank/Agency Recommendations (£600-£800)
Hi guys, I'd really appreciate it if anyone knows the best banks or loan companies to contact for Bad Credit Loans. I ideally only need to borrow in the region of £600-800. Though currently unemployed (recent University graduate), I anticipate being able to keep up with the monthly repayments, with a strong likelihood of…
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Loan unenforceable?
Hi everyone, I have a loan from the The royal bank of Scotland,4 years left to pay on it (roughly £9000) A company called Kerobo claims,advised me that the loan is unenforceable due to the following breaches that they have highlighted..... "I can confirm we have identified potential breaches in your loan agreement. The…
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Best way to borrow £300-500?
Hey I am a regular user of the site but I just can't seem to fathom the best way about going round borrowing £300-500. It's simply for the fact that I over spent last month and need to borrow some money so I can afford to live this month! I have nothing and no-one I can borrow off either, and I'm petrified it's going to…
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Central Trust loans
Just a word of warning to everyone....DON'T USE CENTRAL TRUST. I took out a loan with them two years ago and the payments have done nothing but go up in direct contrast with everyone else including my mortgage company - very expensive now. Also thrown in was a policy protection plan at usurous rates (my fault as I should…
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Take a loan to pay a loan?
Hi I have a loan with Picture which was mostly paid up after the sale of our house, leaving just over £8000 balance which is now unsecured. The problem is that the term is still the same as the original term (ie was for 25 years - now has 22.5 years left to run) and the interest is crippling. I have being paying £60 a…
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Legitimate no Credit Check loan companies
Hi, I know I'll pay through the nose for the service but I'm looking for a company that can give me a sameday loan without a credit check. Any recommendations of legitimate companies and the best ones to use? Thanks, Sara :smileyhea
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Round 2 PAYDAYUK £45 profit
After the success the directors at paydayuk think they have had with the £65 quidco offer last week, they have put it up to £65 again, after 3 days being at £50. take out a loan for £80 pay back £100 and get £65 quidco leaving you with £45 profit. id hate to see their quidco bill at the end of the month!!! bleed the…
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How hard is it to get credit now?
I joined experion online & applied for the 2 cards that they recommended, both were declined. I dont think I have a bad credit rating, more bare than anything. My address & previous address are all correct. My bank account is great, followed by loads of 00000000. Electoral roll is correct. Credit searches this month:…
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HSBC Managed Loan?
3 years ago i had no choice but to take out a managed loan with hsbc for 24k,repaying 316 a month,over 12 years. 3 years on i made a phone call to see how much i had paid off,to be told that of the 12k in repayments i had made only 3k had been paid off my loan?? Is it legal that hsbc should apply there interest at the…
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Loan Advice
Hi Folks, I am wondering if I coulavee some advice on my situation. I am 21 years old and live with my partner and my son in a private rent. My take home pay is roughly £300 per week and my partner gets around 800 per month. We have a good standard of living and run/insure 2 cars. Me, I have been silly with my money/credit…
