-
Door callers question
Hi all i have a loan door caller,provident,ive not been able to make there suggested payments,but have made one everytime.I had there head manager call me for a meeting and suggested a lower rate ? does anyone know about this,before i sign any thing etc.
-
How to get credit scored together with partner?
I recently ran my personal Experian report & credit score. Disappointingly, the credit scoring part is more crude than I would have hoped. I'm getting a credit score based on the following facts: - have never missed any payments of any sort - two or fewer credit application in the last 6 months - registered on the…
-
advice re:divorce, mortgage and secured loan
I am posting on behalf of my friend who is desperate. All advice gratefully received! To keep it brief, She has been seperated for 2 years, not divorced at present but hoping to start proceedings soon. They have a young child. Friend is living in house with child, and is currently paying all mortgage and secured loan on…
-
Best way to cancel credit cards?
Hello, please could someone advise which way is best to cancel my credit cards? I have 3 cards, with zero balance. Is it best to write to all 3 companies at the same time, or one at a time with a month or two in between each letter? Will either way affect my credit rating more than the other? We want to apply for a new…
-
Money as debt
Is this guy telling the truth? http://www.youtube.com/watch?v=vVkFb26u9g8
-
Credit trouble
I am unable to get credit and have been for a number of years. About 3 years ago I borrowed 10,000 to buy a car. after a few days borrowers remorse stepped in and I cancelled the loan and returned the money to my bank (I have banked with them since I was a child). Instead I bought a car for £2500 from savings. Ever since…
-
Sensitive issue re family finances
Hello, not sure if this is right forum but here goes.... My older brother and his wife took out a loan (using house as guarantee) - they are now getting divorced The loan payments continue to be paid monthly though- confirmed by my brother and their son) I,ve been told by their son that they have financial problems My…
-
HFC Bank / PC World question
Hi, I wonder if someone could help. Back in 1996 I bought a PC from PC World on finance (back when I was young and silly!). I'm trying to get on top of my finances and found out recently that a direct debit I'm paying is for this PC. The original price was £1094 at an interest rate of 29.5% which on the credit agreement…
-
Need a small loan..wrong time to apply?
Hi all need some advice again please. I need a £2000 loan but am a bit condcerned over whether to apply at this stage? Heres my situation. I have just remortgaged to another lender only last month. I have a CC with Virgin it has a limit of £9000 of which I have just paid off £8500 but it is not yet showing on my credit…
-
Against welcome finance thread
i thought i would set a thread up about welcome finance, im having my own problems with them and noticed that quite alot of you are also having problems with them so thuoght it would be better for every1 to list there own problems with WELCOME FINANCE in the same thread, and that way we might be able to help each other and…
-
Need to view latest credit report online now!
Hope someone can help- I need to view the latest details of my my credit report online today at some point- Whats the quickest,easiest,cheapest way to do this? I usuallly apply for the £2 posted report from Experian but I relly need to see my details today! Thanks as usual F
-
RBS Personal Loan
Hi, Any suggestions would be much appreciated! I have been a RBS customer for many years. Quite some time ago I (foolishly) took out a loan, cant even remember the amount borrowed. Anyway, as it stands today, I owe £5,950.33p, and I repay it monthly which is £171.38 (have never defaulted). It's like it will never end! Out…
-
what loan should i go for???????????
we currently have car finance with 2 years to go £178 a month and a loan with 2 1/2 yearsto go 100 a month, also 1000 on catalogues, we wanted to get a loan to consolodate all these plus a little extra to pay for my wife's driving lessons, so we have worked out we need to borrow about £7500, we dont have a perfect credit…
-
Would i be able to get a loan being self employed?
Hello i hope someone has some information :) I am 20 years old and i have been self employed for nearly a year now and before that i was employed for a year. I have never had a credit card and always pay my direct debits for phone bills and car insurance when they are due. I've checked on credit expert it says my experian…
-
Quick question about Zopa borrowing
Just a quickie...Is it generally harder to obtain a loan from Zopa lenders than any other High Street lenders..? Ferry
-
Does a joint loan increase the chance of being approved?
I have recently been declined for a loan with my bank based on my credit score. My partner (who has an excellent credit score) has offered to try a joint loan with me. We also have a joint account with this bank which is always in credit and very well run. Does anyone know if taking a joint loan with someone who has a…
-
Cancelling credit agreement
Hi All, Need some advise hear as quite frankly my bank have been hopeless !. I recently applied for a loan with RBS online for a new car which was accepted and funds were paid, this was on the 04/02/10. I understand that I have 14 days to cancel this and the agreement was signed online. However the car I wanted did not…
-
Elephant loans, naughty & misleading
MSE Official Insert: If you're thinking of taking out a payday loan please read our Payday loans guide first. Please also read our Beware loan email from Martin Lewis news story. ---- I just thought I might point out what I think is a bit of a naughty email I keep getting. It is from Martin Lewis: & when I open it; it says…
-
Are there any good loan brokers?
I have been browsing this forum over the past week and all I can see is a seemingly endless list of dodgy loan brokers... I was just wondering if there is such a thing as an honest loan broker?? Has anyone come across such a company? Any suggestions would be greatly appreciated but please do not post any false adverts for…
-
Splitting up and only paying my share?
I feel that I need to know all the answers before I go forward. I have been living with my girlfriend for about 5 years now and the relationship has all about broken down however for financial reasons I find myself worried to leave. About 3 years ago my other half got a loan for £5000 over 4 years to clear her credit…
