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BUY to LET loans - which lenders lending??
Hello to all, I would appreciate any input or advice on the following. I jointly own a property that is rented out and it has been in the family for a long time and has no mortgage. I would like to raise some additional capital on the property, but are not having much luck finding a lender that is willing to lend for buy…
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Loan Advice
Could someone advise me on what I should do. We only need just under £1000 to get us over the next couple of months and out of our over draft. My first solution which would have been the right amount and would have helped us immensley was to take a mortgage break for a month, but although when we took our mortgage out I…
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Advice please!
Before my husband and I got together he ran up about £8k on loans and credit cards with his previous girlfriend - he'd taken them out in his name but she'd more or less spent the money on things for herself and a few things for his house. To cut a long story short, when they broke up he decided that he didn't want to pay…
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Splitting a joint loan
My husband and I have been seperated a year now but still have a joint loan with Nat West as well as a joint bank account. We have asked them to remove his name from the account as it is now solely for my use but have refused to do so. Fortunately the split is friendly so any mail he gets he gives to me but the more…
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Barclays Business Loan???
Hi, Recently I have been posting requesting information regarding a business loan. Today I had a meeting with Barclays to discuss a business account and business investment (which I need). I must add I tried Barclays as I have heard good things plus I have just got a C/C from them - so I am already financially linked. (I…
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Sainsburys Loans how difficult to be accepted?
Can anyone tell me their experiences when applying for a loan from Sainsburys bank? Do they have a higher or lower criteria / credit scoring system for loans compared to others? Has anyone applied unsuccessfully for a loan from other banks and then been accepted by Sainsburys? Thanks
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Loan Advice
Hello, I have a loan with Barclaycard of which approximately £16k remains outstanding. I have high monthly repayments of about £630pm as I wanted to clear it quickly. Now however I would like to have lower monthly payments but Barclays won't entertain this. I have a good credit rating but am aware that having such a large…
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Help re credit
Hey Not sure where to put this but kind of relates to loans/other credit Its regarding my partner, she is being declined credit from places such as Argos, Curry's etc, and we cannot think of any reason why. The only 'credit' she has is a £300 overdraft which has never been over limit and always has her wage paid into that…
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1st Credit
Hi guys, I received a letter at a former address of mine from 1st credit today claiming that they had taken on a debt from HSBC and that I owed them £240. I have called them up and spoken to them. I explained that the letter had been sent to an incorrect address and that I was reluctant to accept the debt until I had read…
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Cahoot loan settled but no money taken...
I settled a loan I had with Cahoot a couple of weeks ago. I have since had paperwork confirming the loan is settled and the account is now closed. However, the money has still not come out of my bank. Does anyone know if this takes a while or have they just 'forgotten' to take the cash? Also, if they have closed the…
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Been Ripped Off I think By A Solictors. Please Help!
Hi If this is in the wrong thread, please can you move this for me. I really did not know where to put it - thanks! My partner has his own business and a few months ago work was very slow so we got behind with paying wholesalers and had to stop using them and start making monthly payments to reduce the debt. We owed one…
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Student Loan Repayments
Hello, I've only just joined so apologies if this is in the wrong section. I left Uni' in May '08. I got a job in August '08 as a Recruitment Consultant and was made redundant in January '09. During this time I claimed Jobseekers' Allowance and remember receiving a letter from the SLC informing me that my repayments had…
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AK Solutions
Hey People I had a phone call this morning off a very nice girl from AK Solutions. She said I have been accepted by various lenders to lend me £2000 over 2 years and they deal with people with adverse credit. They said if i paid £54 to them today I would receive my credit agreement for me to sign and have the £2000 within…
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Welcome Default
Hi all, First post here so here goes. I have a secured loan for £27000 with Welcome and have not been able to pay it for the last few months. They have sent a default letter today. Can they make me sell my home as it is a secured loan even though they are not the first mortgage on it as that is the Abbey ? Thanks
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may need a loan or credit card...
Several issues here ... we are both self employed. i have £15k on credit card that borrowed to help my other half but he does not always listen / remember (?) when i tell him to manage his credit cards etc . he is too focused on trying to earn money. anyway now his accoutns are in a mess but his business is starting to…
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working out aprs/flat rates
Im taking out HP and the dealer has given me a lot of figures but the figures keep changing so is there a table that I can put in the amounts to be loaned and the monthly payments and it will tell me the APR? Also which is better to go off the flat rate or APR? different dealers use different ones??
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loan advice
Hi all, Apologies if something very similar has been posted before, but I am in desperate need for some advice. My father passed away in September after a short illness, ane he never left a will. After fighting to ensure that the life insurance placed on the house would be transferred to myself, we discovered that there is…
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Loan needed ASAP but have terrible credit score - what are my options?
I went to a dental hospital this morning and had a minor op done for free but am now expected to follow up, via a normal (NHS) dentist with root canal treatment, 3 crowns and bridgework and a possible prosthesis. I need about £1,000 even on the NHS. I do not qualify under the HC2 certificate scheme and have just signed off…
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had enough
I no longer want to hear that name again. I have had a on going dispute with them for well over a year now, it's been to the FOS, an agreement was reached, they have failed to act on the agreement, and now they won't talk to me. The Bank have acknowledged the mistake was made by them and not by me. A bit of back ground,…
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Irresponsible lending?
In 2004 I went into my bank to speak to them about difficulties I was having meeting loan repayments. I had spoken to a debt management company but decided that the bank would be the best place to start. The person I spoke to stated that there was no way of stopping the interest or reducing the payments I was making. His…
