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Going BR. Student Loan help.
I've ignored my student loan for a few years now, I am soon to apply for BR and now wish to contact them and sort out some repayment for the future. Are there any templates out there I could us? Help advice?
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"Available credit" - how is this worked out?
Quick question. On Credit Expert it says I am using 79% of my 'total credit being used'. It also says I have £338 of 'available credit'. If £338 is what I have left (21%) then it suggests my total credit is £1,609, which is totally incorrect - my total debt is around £15k (most of which shows on my Experian Report). With…
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Loan for new (used) car - help please!!
Hello all My partner is in a bit of a predicament. We have recently moved house for the third time in 18 months, and we should be settling this time around. However, during the process, our letting agent advised that we had both failed credit checks. We are both 22, have never needed any credit cards etc and both have good…
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unregulated default
can anyone tell me what the time span is on a unregulated loan default letter to rectify is it 14 days like a regulated, or is there no time period. I NEED HELP NOW as I have my court letter, and need some sort of defence. The loan was a Mercedes finance car loan. PLEASE HELP.:confused:
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Loan for someone with poor credit
Hi All, I'm looking to take out an unsecured loan or other finance - between £5k - £9k. The problem I've got is that I have poor credit. I have two settled credit cards that are listed as fully satisfied, but via a partial payment. I also have other credit cards that are showing heavily in arrears and maybe one default.…
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Halifax loan
Hi peeps, i went into the halifax last month for a review on my account and they said i had been approved for a 12k loan, did i want it ?? i wasnt sure at the time so i left it, gonna be doing some improvedments on my home this month and the loan could be useful now, can anyone tell me whether this pre approved loan means…
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Tricky Loan Situation - Advices please
Hi My partner lost her husband about 4 years ago and during the grieving process she suffered bouts of depression/anxiety and became alcohol dependent. (She's now made a good recovery by the way...) During this vulnerable time she was befriended by her neighbours (a couple) and was persuaded to take out loans and credit…
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Taken out loan for someone else...
this is a bit of a sensitive situation, and i'm not really sure what to do, just looking for some advice really... my boyfriend's father has a lot of trouble with debt - however, he does not tell anyone, not even his wife the full extent of it. i know that he has had a house repossed in the past, has overdrafts, and in the…
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Debt question
Hi I have wondered if someone is in debt from loans and credit cards but then passes away and never got all that insurance repayments cover....who pays the money? cheers
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Barclays loan
Im 2 years into a 5 years unsecured loan with Barclays. I borrowed £8000 at 11.2% and my current balance is £5800. I rang Barclays and asked for a settlement figure as I have the cash to pay back the loan and I was hoping to save money on the interest I would be paying over the next 3 years. When I received the settlement…
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help with settlement offer for my hsbc cc
hey all, i had a letter from HSBC asking me to offer them a settlement figure for my CC which has 970 owed. now im a single mother on benefits and have missed payments hence why they want to settle it and write off the rest. the problem is i don't have a clue what to offer. any suggestions would be grateful and what you…
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Go Loans
Hi all Has anyone had any experience with this company? My credit rating is shocking and desperately need some money to get me out of a bit of a tight spot - They have said i've been accepted and I have to pay a lender fee I know the usual story regarding the lender fee but i've been looking on the intenret and not found…
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Just moved house no registed on electol roll
Hi basically i just moved houses and i needed to get a loan asap. My credit rating is not brilliant and my electorol roll is registered to my previous address. I know i should have got my loan before i moved however it was a sudden move.I think most likely i am going to get refused for my loan however if i did change my…
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19 year old debt
Just been contacted by a debt agency about a debt that is 19 years old. We are not sure what it is and the agency can only say that they bought the debt from Abbey Nat this month. During this time we have had current account and mortgage with Abbey and never had any contact about owing money until now. Himself thinks it…
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Welcome HPI
Sorry think I posted this in the wrong place the first time, I requested my HP Statement from Welcome after a massive mix up when my car was stolen, my insurance company paid welcome without asking me if the settlement fee was ok and this messed up my shortfall insurance. Anyway I was sent a letter by welcome for my…
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Loan vs credit card
I want to consolidate my credit card debt onto one card/loan. I want the term to be 10 years. It is until I join the loan onto my mortgage (on a fixed when rates start to climb again) probably within the next two years. I am aware that interest rates are higher for a personal loan (approx 8%) and there will be a penalty…
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Advise please - pay day loans
I have been real stupid and got myself in a real mess with payday loans. I used a couple of companies on the net who I repay via my debit card and secondly a couple of local companies who accept postdated cheques !! I have been paying the monthly fees for months now to extend the loans each month, at the same time…
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Saying loan is for one thing, then doing another
A colleague at work told me today that he plans to apply for an unsecured personal loan, say it is for a car, but use it for consolidation. He says that at some point in the next year he will be getting a new car, by selling the current one and making up any difference with a car loan through the dealer - using some of the…
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Please help us test our new 'Post-1998 Student Loans' Repayment Ready Reckoner
Hi everyone, If you've got a few spare minutes, please have a click about on our new post-98 student loans repayment tool, which is still in development. Full details are in this forum post: http://forums.moneysavingexpert.com/showthread.html?t=1897175 Thanks, Natasha
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10 years on
Can anyone help Got divorced about 10 years ago and still have outstanding debt on a loan. Have tried head in sand method and although this worked quite well i have now resurfaced but so have debt collection agencies. Can a loan become unenforceable due to the length of time elapsed or do i need to make like an ostrich…
