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Welcome Finance
I know there are a few posts on here about welsome finance. I was after any advice going really. I got a car from them in December last year only because I needed a more reliable car as I travel around a lot with work. Its only a ford KA so no chance of a down grade! I have only ever missed one payment with them and I only…
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Overdraft query
Hi, I would like some advice. I requested an overdraft facility from a bank. Not only did they authorise it, they accidentally gave me ten times more than I asked for. Stupidly, I spent it, paid the ludicrous interest, and have now had to get a huge loan to pay it all off, causing me major financial grief. Do I have any…
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CRA's
Hi, I came across a post on here some time ago which gave indication as to which companies used certain Credit Reference Agencies for their credit applications. I can't find this for love nor money.....any ideas where I can find this?
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Unsecure Loan - close all cards?
Hiya, I have recently applied for a loan for consolidation and after receiving the paperwork to sign and return everything seemed great. And the paper work seemed perfectly fine. I rang to check if
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Loan or Credit card
I need £1200 to pay somebody back asap!! I don't have the money but i have a secure regular job to pay whatever i lend back! What step should i take? Loan or credit card? I have good history etc Some feedback would be great Thanks
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Black Horse Loan
Hi all, I have a bit of a problem with Black Horse at the moment. Some 18 months ago, i took out a loan with them for £5000 at 28% (i know, i know). I wasn't happy with the interest rate and they told me before i signed that after a year of trouble free payments, then no matter what, to ring them to discuss a further loan,…
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Error on Finance Agreement
Hi - I have just got a settlement figure through for a car agreement that I wanted to pay off as I want to buy another car. The only thing is, the registration on the agreement is a different car, the garage sold me a car unfit for purpose originally and changed it 3 months later but do not seem to have changed any of the…
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Help with getting a loan
Posted this on another thread but it dropped off the board without a reply. I have recently applied for a PDCL but have been refused. I currently am still working in my full time job while I was waiting for confirmation of the loan but have agreed to take one day a week off to attend the course while everything is in the…
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My chances
Hi all....looking for a little advice. After my business when bust, like many others,i was up s*@t creek without a paddle.With no income the debts spiralled out of control.Have been working for the last couple of years now and am starting to get my life back together.I cleared some of my outstanding business debts leaving…
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Big Loan.....
For a while now i have been looking into loans and things. This is because there are some houses around were i live that are quite cheap and some of my dads friends own some and rent them out. I want to get into renting houses but i dont want a mortgage were i have to wait 25 years before i make a profit. The houses around…
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Natwest Loan
Does anyone know if I can change my Direct Debit to repay my Natwest loan from another banks current account (rather than my Natwest one)? Having a lot of trouble with Natwest at the moment and considering changing banks and closing my current account - but can't find anything in the loan terms & conditions to state…
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Changes to Overdraft fees
Dear all Apologies if this has been posted before but I heard from an acquaintance that all banks in the UK are going to follow Halifax's model of charging overdraft fees i.e. £1 for everyday you are in you're overdraft even if it is within your agreed overdraft limit! I currently have overdraft facilities with both Lloyds…
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Interesting question: loans with YOUR own bank
Having spent a fair bit of time on this forum, I've seen lots of people being told the same advice when applying for loans or credit: that your best chance is to apply to your own bank that you have your day-to-day banking with. Whilst I'm not disagreeing, I'm just curious as to why this advice is given - and whether there…
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Loan Criteria, why is it so secret.
I wondered if someone could shed some light on why companies are so secretive about the criteria that you need to fufil in order to be approved by them for a loan. Surely if they made these figures/facts public it would improve customer service and peoples credit ratings? Am I being too simplistic? If I want a loan why…
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Red Driving School Barclays Loan
Hi, i haven't been on for a while but my husband has a problem with RED driving school. He signed up on the 11th Sept with them to undertake training to become a driving instructor. He found out a few weeks ago that he has lost his job as manager and will be demoted to sales man which is £3000 less. After reading RED's so…
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Electoral Roll question
I am looking to take on a personal loan in April for a new car. Currently I have a default on my file that will fall off my credit file following a 6 year period (Dec 2003), thus improving my credit score. In addition to this, I have recently moved and have just sent off the new electoral roll canvas to update my current…
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Advice On Personal Loan
Hi everyone, Long-time reader, first-time poster! In the next few weeks, I'd like to take out a personal loan of about £6,000. I'm hoping you can give me a bit of advice about where I should apply, and what I should expect. My situation: I've been self-employed for a year. In that year I earned about £18,000. I still live…
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Advice on non-secured loans
H there, I am looking to take out a non-secured loan but due to my weak credit rating am aware that i will have to take a high interest loan. Most of the loan comparison sites give links to lenders tha i know wont give me a loan, such the banks. I am aware there are some bogus 'loan 'sharks out there which act as brokers…
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Secured Variable Loan rate increase - can we argue Libor?
My bank have increased my secured loan by 0.50%. I know that the banks use the LIBOR to set interest rates so I thought I'd have a look to try and find out what they're basing their decisions on. The only site of use was Bankrate (rates / interest-rates / libor.aspx) and if I'm reading this correctly, the LIBOR rate…
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What To Do Next....
After 6 long years I've finally managed to repair my credit rating, and, according to Experian, I have a "999 Excellent" Credit score. However, I have been declined by two credit card companies, even though I have a Capital One and Aqua Card. My plan was to do a balance transfer onto a more favourable lower interest rate.…
