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Barclaycard or Sainsburys loan
Hi I need to borrow £5000 for a car. My old car just blew up (failed MOT) and will cost more to repaire than worth trade-in, also there were loads of warnings on the MOT (faults I don't want to drive the car with and that will deffo be major by next year). Anyways, I have two options 1. Loan from Salisbury's at 8.8% for 5…
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Default Help Please
Hi all Please could somebody give me a bit of advice / experience? I have recently checked my credit report and have two defaults, both fully satisfied / paid off. Do I have any chance at all of being able to get any credit at a reasonable rate, or will I be laughed out of the door? I work full time and do not have any…
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Car Finance
Ok my brother had his car written off a few months ago and his insurance was short 4k of the finance agreement because he got spanked on the APR because his credit history is a shambles. Anyway it turns out his GAP insurance won't pay out and the finance company is chasing him for 4k. Anyway here's the interesting bit, the…
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Log Book Loans - Car going to be repossessed
Hello, I have searched the web regarding Log Book Loans and have seen that there are hundreds of other people with problems. I am getting severely depressed about my debt and hope if anyone can give any advice it would be much appreciated. I took a loan out a while ago as I was desperate for £1300 (to pay another debt!). I…
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Timing of application
Hi, our finances have been in a "delicate" state owing to a significant amount of unsecured debt that my partner had racked up without my knowledge. I've done my best to manage that but as you can imagine its still a situation that is causing some stress. We've just come out of our mortgage fix and onto the SVR and with an…
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HFC Problem - Advice needed
]Hi, my first post but hopefully someone with more knowledge on these things can help. Brief breakdown - took a loan with HFC in 2000 for £6000, no payments missed, etc. until September this year - contacted them and asked for a settlement figure and was told it would be just over £4,400. Requested details on full ammounts…
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Loans & Credit Reference Agencies.
After a week of speaking to Experian 5 times and Equifax twice, I feel quite peeved - to say the least. I have been trying to get a loan and have been refused - due to the fact that Experian are giving out the wrong address details to companies, some of the applications do not even end up on my file. Equifax are no better,…
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Mackenzie Hall - what to do?
Hello! My parents received a letter today from Mackenzie Hall, addressed to 'me' although they had the surname a bit wrong (think along the lines of Barker / Baker). They didn't realise the error until they had opened it with my permission. They talk about an unspecified debt and say that my (parent's) address is a…
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UNSECURED LOAN - Retired Private Tenant
Any opinions gratefully received: I am retired with pensions/annuities income around £20K pa. I am a private tenant. I have a clean Equifax file with no credit account information. I have a CCJ (with Notice of Correction) and a Credit Card for £2000 on Experian. I wish to raise an unsecured loan for £5000 to settle my…
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BROKERS - UKFinancials Ltd
Any one got any experience/knowledge of UKFinancialsLtd who come up after googling for"unsecured retired tenant loans". Thanks.
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Help with GAP Payment on Car?
Ok so I bought a new car last friday from a local dealer on Hire Purchase through the finance company that the garage used - My finance was agreed in respect to the terms which were set out to me at the time. (ie 36 payment of £x amount @ 7% interest) Anyways on monday the finance company called me to check everything…
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Joint Loans ?
Hey, Me and my brother are after a £9000 joint loan, my brother has a average credit rating, And I have a neutral credit rating (never taken credit out), Were very stuck on who to apply through (joint loan bad credit lenders is what were after), Does anyone here know of any lenders that specialise in bad credit as I don't…
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loan in time for rent day
Hi, I need a loan for 350.00 which i need for my rent which is in a couple of days time, I have a medium creidt history id say, and i am just waiting for my career development loan to come through...i just need something to tide me over until then? If anyone has any ideas where i could get a loan from quick, it would be…
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Help needed- payments too much and I feel in a mess
Bought a car approx £5000. As I am not a good credit bet I took what I could get really...hire purchase at 39% APR. It was on a 'needs must' basis as I work for em. services and need my car.Am in trouble with money- but managing to carry on paying monthly payments. I asked for a settle price- and even though I had been…
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Credit History
Hello Apologies if this is the wrong place - it's a general credit score question rather than loans in particular, but I couldn't see anywhere better. How far back does your credit history actually matter? I was just looking at my credit report on equifax and was surprised to see that it gives five years of detail for…
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GE Capital - cheeky blighters!
We got our guttering and facias replaced about 8 months ago and took out financing through the company. Unfortunately the financing was provided by GE Capital. Anyway the plans was to pay it off pretty quickly. Not managed to pay it off as quickly as we'd have liked but we called them up this afternoon to make a £400 extra…
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Please help!
Hi Can someone please help me. I have only just started a new job (2weeks)in to it after being unemployed for 3months. I have run out of money and i am not getting my first pay check until the 28th Jan 2010. I need money to get me to and from work and pay of a loan and credit card repayment charges. I am well into my…
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credit score 999
im 22 and recently checked my credit score, it was 999, so im very pleased. What sort of interest rate am i looking to be paying on a loan when i have that credit score??
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Is there a law which states PPI is not compulsory
Hi I am in the process of taking my bank to court as they missold me PPI (the court has cashed my cheque now and I am getting all my documents together for my day in court!). I wanted to know where abouts in English law it states that payment protection insurance is not compulsory and I should be given the opportunity by…
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Secured Loan
Hi, I made the biggest mistake of my life by taking out a secured loan. It is a variable rate loan and i have only seen one reduction since base rate altered. They are quick enough to increase the rate but not so in reducing. Does anyone know if they have to? Im currently paying 8 or 9% and thought the purpose of reducing…
