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Help please!
Hi experts !! (well more expert than me!!) I recently went to get a sofa on credit (4yrs interest free) and i was refused - I've check both experian and equifax and my credit rating is Excellent on on and good on the other.... why why why have i been refused?? How do i sort this ??? Where do i start???
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Should I pay loan off
I have a loan of 5.8% for another 6 years with a balance of £15,652.00 if I pay off today it will be £13,546.00 I can get another loan for £13,000.00 at 8.9% for 2 years Is it better to pay off with new loan or make extra payments to old loan Thanks:confused:
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Offer 2nd loan company reduced settlement
Hi, I have a 2nd loan which has at the moment £76000 as a current settlement figure. I am struggling to to make this payment plus my mortgage payment which has a combined total of £1261 per month. What are the chances of the loan company through dialogue of course reducing and accepting a lower amount, is this possible and…
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HELP!! Cash Flow Crisis - Really short loan?
Hi, I have a really big cash flow problem at the moment, I'm due to move house so need some money to put down deposits etc. I am already very close to my overdraft limit. This is fine because on the 20th November I'm due to be paid which will put me back into credit (well almost!). In January I am also due a huge whack of…
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triton credit services-please help!!!!!
i have never heard anything like this in my life!!!me and my husband took out a loan last year with natwest and we were paying £222 A MONTH over 5 years(£101)was p.p.i which i cancelled in july this year and we were paying out so much a month that we were always overdrawn.so i decided to have a look on the…
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How long is a short-term loan?
I'm managing a Conference and have already used up my 2 long-term loans (both season-long) for this season. Now I'm allowed 8 'short-term' loans. What period is defined as short term? I know that 6 months is deemed long term, so could I take someone on loan for 5 months, or is that still regarded as long term?
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Car dealer finance.
I am in the market for a replacement (used) car. I have a very good idea what I want, regarding model, age, price etc. I have the cash in the bank to pay for it. My questions are: 1. Would there be any advantages buying from a dealership as opposed to private. If the price difference not much? 2. If bought from a…
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Good with figures?
Basically NW have offered to top up my PL with £5k making the total owed £24k however i havent yet done anything yet today when i looked at the paperwork its saying a refinance making a total repay of £36:eek::eek::eek::eek: I am paying 7% ish at moment and the balance is approx £19k so i was under the impression that the…
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help please
I have been turned down for a top up loan with nationwide , i already have a loan with them which i am paying off and have had loans in the past with them and other banks which have always been payed on time and in full , apparently i just miss out on the credit score ! , the only thing i can think it can be is a finance…
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Turned down for a loan
Recently applied for a loan of £6500 with my bank HSBC, to clear my £4100 CC debt with them, and also a`£1000 debt on a citicard. They said as i was clearing my debts with them, it should be almost certain to go through, although it might only be for £5000, but still at a lower rate than the CC. Received a letter a few…
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How come I can't increase my monthly payments!?
I've had been paying off a personal loan for 6 years (only 2 yrs to go) at a reasonably low payment each month. At the time I got the loan it was all I could muster but now I'm better off I'd like to pay it off sooner so requested to increase my monthly repayments online (it's an Egg Loan if that is of any help) firstly I…
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Govt paying off Student loans
I heard that there is a possibility that the government will pay off student loans if you are teaching in public education. I am a teacher at a secondary school and wondering if this is true? Can anyone shed any light on this?
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Barclays Partner Finance - data protection
I've been sent a credit application from Barclays Partner Finance (Clydesdale Financial Services) and it states that by signing the agreement I consent to my details being used for marketing purposes and shared with other companies. There is no tick box to opt out - instead you have to write to a a different address to…
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Brother car loan changed to secured loan
Hi, My brother has taken out a car finance about 4-5 years ago. He never kept up with payments so car was taken away. Later he found they placed an default on his credit report and then later a CCJ. His credit report shows Northampton CC CCJ for £7.5k. Now last month he received a letter saying the above finance has now…
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help with loan information
Hi can someone please explain a recent loan i was accepted for. The early settlement part states that if i repay early the settlement the amount i would have to pay per 1000 would be as follows: if settle within a quarter of the repayment period the settlement figure would be 782.70, if half has passed i would pay 541.38…
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Secured loan and the equity on my home
Hey guys, im considering applying for a secured loan and am slightly confused on the matter of the equity on my home and my eligibilty. Back in 1998 when we first moved into our new property we were granted a £90000 mortgage. We then decided to pay off 99% of the outstanding mortgage amount left in 2005, after selling our…
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Thanks
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Sandander application lost - 4 times
Hi folks, This is my first time posting, so please excuse any mistakes. On the last bank holiday in May, my husband and found our perfect suite (2x 3 seaters, black leather)in Reids Furniture, Bangor Co Down to be delivered in Sept. We agreed to 3 years interest free credit - cost of £1,400 and the application form was…
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loan question overpaying??
do natwest loans allow random overpayments, say if i have a spare 500 can i pay a chunk off the loan? i did this ith my previous natwest loan a couple yrs ago, do they stil allow it, also do other companies allow this?
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Move car loan to someone else
Hi, My wife is leaving me and at the moment I am paying for our 2 cars via loans. Her car has more finance left and longer but she says she will pay it off once she gets money from the split (I am wanting to buy her out with a remortgage). I am thinking as I am still paying for the car this might go against me getting a…
