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Help please!
Hi, In november 08 i opened a halifax current account. I needed somewhere to put the funds from the local football team i play for. On opening the account i was made aware i had a £100 overdraft. Due to our football club being generally rubbish i had to dip into the overdraft (£58), but was obvioulsy well within it. Due to…
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Loan needed
I am 33 and own my home mortgage free its worth around £260k I am having real trouble trying to get a secured loan, I want a loan of £30,000 for new kitchen and to pay off my outstanding loans of around £11,000. Does anyone know of a company that would provide me with one, everyone I have spoken to says that we have to…
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Sainsbury's loan charges.
Hi all, Just after a bit of advice regarding sainsbury's loan charges. I have had a loan with them for just over 2 years now and have never missed a payment , but a couple of months ago i changed my bank account, so had to give them my new bank details for the direct debit. The new account is with alliance and leicester,…
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need a unsecured loan but cannot provide a guarantor and have a fair credit rating
hi, I need a unsecured loan but I am on sickness benefits approx £516 a month. got a fair credit rating and I'm a council tenant. Cannot provide a guarantoor and cannot afford to pay out any more upfront fees. where can I go? looking ideally for £3k but would consider a min of £1k and payable over a five to seven year…
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cash genie are driving me up the wall
Has anyone ever used these? Applied for a pay day loan for £150 about 5 days ago now. I called them yesterday and someone said it would be in my account by 5.30 pm...didnt turn up, just called again today and they said there is one more check to do on my application and that it would be done soon and someone would call me.…
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Black Horse - Help Needed
In January 1997 my husband and I took out a loan with Black Horse Finance. My husband was self employed and we wanted to borrow £20,000 to pay HMRC for arrears in Income Tax, PAYE and VAT. Black Horse said we could borrow £20,000 as long as we also borrowed enough, from them of course, to clear all other debts we had. At…
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Loan v Additional Lending
I am considering which is the best option: I need to borrow £20000 cash to lend to my parents for their house purchase. I currently have a mortgage with Halifax and am considering taking out additional lending against the mortgage or applying for a personal loan. My research on MSE suggests that I could get a loan from…
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Loan Mistake - What can we do?
Hi All, Brand new to the forums. Have tried to find the answer to this elsewhere, so apologies if I missed it. Basically, my partner went and got a loan yesterday from his bank. He earns a good wage and, as far as I am aware, has a good credit rating. I stayed at home while he went to sort it out. The trouble is, he's come…
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bad credit loan advice
hi i am looking to lend about £1600 to pay off some card and bank debts,get through xmas and put everything into one managable payment. ive spoke to several companies, one in particular told me they were promising a loan if i paid £25 and sent bank statements and proof of address etc. im wary, does anyone have experience…
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Please Help, ASAP !!!!! 48 hrs to decide!!!!
Hi All, Im new to this so i will try and explain and correspond as best i can. My partner took out a loan last year with his NatWest bank and as a result of some confusion over the direct debit repayments, the bank cancelled them and as he was unaware, he fell behind on some of his repayments. He had two accounts with them…
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Need some advice please!
Not sure if anyone can give me some advice but I'm currently 5 months pregnant, due in April. I am working full-time and am planning to take 6 months maternity leave - however my work only pay 90% of my normal salary for 6 weeks thereafter I will be on the government maternity pay. With the government pay, I can just…
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Constantly using overdraft and not getting any better
Hi all, just a bit of advice needed please... My husband is a dreadful spender and will take money out of the account whether there is anything in there or not. We have a £1500 overdraft which is used every single month - everytime both of our wages go into the joint account they just go in to repay the overdraft which i…
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make money on this car finance deal?
Hi guys, I'm new to this so sorry if a similar question has been answered. I am currently looking for a new car. The car I am wanting is £10,000 and I have £4000 to put towards it. I have a very nice friend in the car trade who has offered me a finance deal at mates rates at 5% flat rate over 3 years which is the best I…
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Paying off a loan but been getting phone calls all day
Hi, I wonder if anyone can help. My husband has been paying off a loan at a reduced rate of £50.00 a month for some time now. Today he has received phone calls to the landline and texts and calls to his mobile regarding his loan and the amount he is paying. They are asking him to raise his payment but he can't at the…
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Help: Unsecured loan Fee Problem
Hi, I recently had a look online for unsecured loans. After registering details with a few companies I was called within under an hour by a company named unsecured loans. The lady on the phone took my details and personal circumstances, a few moments after she said I had been accepted by a company for a loan of £500. After…
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1st Stop Personal Loans
Hey Guys Has anyone ever heard of them? They say they are a lender and not a broker. Anyone had any dealings with them? Lee
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Old Loan Caught up With Me
Hello, looking for a bit of advice... A loan that I've 'dodged', I guess you could say, for a few years, has caught up with me. I've recently moved back into the UK after living overseas for a few years, and about 8 weeks later got a letter from ours best friends; Lowell Group. I'm surprised the letter found me really, as…
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Loan - debt
I would be grateful for any advise offered. In 2001/2002 i took out a loan for 25,000 in my name. The adviser at the bank said my credit history was better than my husbands. However my husband and I had set up our own business and had only been up and running since 2000. My husband and I divorced in 2003 and i still have…
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Help required - cannot get loans as apparently "up to my total credit limit"
Hello I don't know if anyone can help but I have a bit of a problem. I have several credit cards that have gone past their 0% period and one in particular I am now paying triple what I was paying before on. I have tried to do balance transfers on these cards but I have been refused. I looked at my credit status and…
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debt help
hi, I need advice on getting out of my debt, i made the fatal mistake of taking out a loan to clear other debts and didnt complete it, so now i have 2 loans, 3 credit cards and a £700 overdraft to clear, i barely make ends meet with nothing left at the end of the month and im relying on my parents to help with rent etc…
