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car loan
Just arranged loan with garage finance co. On first payment found £150 charge for ADMIN for setting up the loan. No mention when arranging finance at the garage. Is this legal?
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2 Bank Loans with the same Bank
A good friend who has recently been diagnosed with terminal cancer is worried about bills etc. She has two bank loans with the same bank and is thus making two monthly re-payments. Originally she asked for a loan of £9000* but the bank said they could only give her £5000* and then £4000* would be considered at a later…
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About searching a personal loans service
Hello world's.. My name is Ganang from Indonesia... I will share about my searching a online personal loans service experience.. I searcing on internet and found an articles which it help me to get a tips or information about “ how to get a personal loans service”... May be this articles can help you who has similar…
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First Plus
OK I am going to be very unpopular but if it helps other people on here ... who cares We have a huge secured second mortgage with the above .. OH has had 2 redundancies in 18 months .. but thats old news.. now self employed. Came on MSE over a year ago , did the usual thing , hung onto our home by our fingertips for over 2…
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loan payment !!
hi, I would like a bit of advise please. Im 23 and living at home with my parents, I have always been good with payments of what little debts I have had (a loan for £1500, T.V on argos card, mobile phone bills) everything has been paid off and i'm pretty much debt free apart from a £3000 loan i took with nationwide about 2…
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car finance
Hi everyone, This is my first ever post. Quick question regarding finance for a car. If I have the money to pay the car off in full, should I do this? It wouldn't leave me with a whole lot but the car would be paid for. Or, would it be better for me to put down a chunk towards the car and take out a personal loan for the…
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Car Loan
Hi all, I have an income of £1982 pcm and i have been rejected for car credit through 3 different loan companies the dealer has tried. now basically a few years ago i got into a big of bother with a few companies and i have nearly paid my debt off, paying back £500 a month. Now i can afford around £200 on a new car.. as…
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hp loan
i was recently contacted by my loan company who i have an account with,and have approx 8500 with them out standing,and they offered for that if i give them 4500 they would clear the debt.i need to speak to someone about whether this is a good deal,because i do not have the money in my account.Should i go to a money lender…
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best loan company for bad credit rating and 1 default
Hi guys. just looking for some info on the best loan companies to try for someone with a bad credit history. I also have defaulted on a previous mobile phone contract. i am looking for 10 000 partly to consolidate sum debt and put towards a car purchase. Any info would be much appreciated. also, are any loan brokers worth…
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--- Car Loan for 18 year old ---
Hi everyone! I am a 18 year old and currently on my first year of an engineering apprenticeship. Until September my Monthly income is £403. (£980 from my second year). My Renualt Clio has started to leak badly from the sunroof and have tried fixing it for months and its stressing me out, so i am now after a new second hand…
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negotiating down debt?
hi all i've just discovered one of my friends is quite a bit in debt - after living costs etc he's boarderline just keeping his head above the interest payments. I'm just trying to investigate some options for him - one of which i'd like to look into is negotiating down some of the debt, (assuming he's able to borrow a…
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1 Month Loan praise (shocking I know!!)
I know there is a lot of negative threads about payday loans on here but I just want to post a positive one! I had 3 payday loans (1monthloan.co.uk, wageday advance, Payday Express) and was constantly rolling them over (stupid I know!!), finally decided to start doing something about them and this month decided to pay a…
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credit file cleared after 6 years?
Are credit files wiped clean after 6 years? I believe I may have an outstanding debt with a mobile phone company but haven't received any letters from them and I have moved address, I haven't checked my credit file either. If debt is wiped after 6 years, then isn't it possible to just take a loan and never pay it back?
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HSBC to Default me HELP!
Hi everyone! I have had a HSBC student overdraft since 2005. I graduated in 2007, and to be honest, had somewhat neglected it. HSBC became more demanding, and I paid odd amounts of money into the account here and there. At one point, they warned that they would withdraw the overdraft facility, and were true to their word.…
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Student finance
Hello......I'm sorry if this is a silly question, but can anyone please tell me what the difference is between a Career Development Loan and a Graduate Loan? My son will be graduating this year and plans to stay on for another year and hopefully gain an Msc. I know he'll have to pay his own tuition for the extra year (we…
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Am I more likely to be granted a loan with my current account supplier?
Hi there Have been refused twice in the last couple of weeks for a loan of £7500, due to about 4 accidental missed payments on a credit card over the last 2 years or so. Would I be more likely to get a loan with my bank, or would they be just as likely to turn me down? Also, would I be compounding the damage to my credit…
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Will cancelling my loan offer affect my credit rating?
Hi, I recently applied for a loan with santander but the loan offer has come out at a much higher rate than that advertised - 13.9% rather than the 8.9% I wanted (I understand this is because of the credit checks they carry out once you have applied). Anyway, as the rate is that much higher I now no longer want the loan.…
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topping up an existing loan
hello folks i've got a loan with the halifax (my bank) for £8000 over 4and a half years at, i think, 8.9% (£236 per month), which i took out in october 2008. I work out that i've paid about £2500 off this, no late or missed payments. What i'm looking to do is borrow a further £1500-£2000 to pay off my overdraft and extend…
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Payment Holiday canceled by bank
Hi everyone, I have been through the forums and can't find anyone with my specific problem. Last year I canceled my payment protection on my loan, because I was just removing my payment protection at every point I was led to believe that the conditions of my loan were exactly the same. One of theses conditions being that I…
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Car Finance - Help Needed
Hi there, I took out finance on a car last August. The credit agreement i signed at the car dealer was for finance with Santander. This is what i dont understand. If i signed a credit agreement for Santander then why are my payments taken by Creation Finance ??? The only paperwork i have ever seen is the paperwork copies i…
