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Welcome Finance Settlement for up to date accounts?
Hi, I noticed a lot of posts on Welcome settlement however the majority seemed to be for accounts in arrears. Apologies if this post needed to sit somewhere else. I have a secured WF loan and in order to help me move house I would like to clear it so the second charge is removed. The loan was for £15,235 Total amount…
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Loan - Unable to afford repayments
Hi Everyone Please can you offer me some advice. I am 12 weeks pregnant and it wasn't planned but I am very excited. I currently have a loan with LloydsTSB that I pay £220 a month. I have about 2 years left to pay it but once I have the baby I will no longer be able to afford £220 a month to pay it back as I will be going…
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Using the estate of a person (deceased) as collateral for a loan for beneficiaries
My sister died recently, without leaving a will. Her estate comprises principally a flat worth in the region of £150,000 (with no mortgage). The beneficiaries of this estate are her son and daughter. Under Scots law, for an estate to be settled an executor has to be appointed and procedures followed. Also, before the…
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MSE News: Loan market perversion: borrow more, pay less
This is the discussion thread for the following MSE News Story: "UK loans have hit their highest rate for nine years, with differences in rate tiers so wide, oddly, it now pays to ensure you check whether its actually perversely cheaper to borrow more money than you need..." Read the full story: Loan market perversion:…
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Secured loan on car?
Hi is it possible to get a loan secured on a car? Say you dont have a perfect history 1 default and cant lend from a bank due to the default, are there any companies out there willing to give a loan on the security of a car? I will be bought private, any help would be much appreciated. I work full time but have a stupid…
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Some loan help please
Hi guys/girls Ive had a quick read through the forum and now ready to ask a few questions. Im in need of a loan - to clear off my other loans/credit cards - to have a fresh start. I have bad credit - needless to say I need around 10k to clear off everything. Ive taken a look at a few companys and need your advice if you…
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20k Loan
I need some help with a loan, ive looked on the loan guide and comparing loan websites. I need £20,000 over 5 years , The Bank (LloydsTSB) have offered me one , but at 14.9% which means i be paying back around £9,000 interest. I was looking for more along the lines of 8-9%. I see that First Direct & Nationwide have got…
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Need a loan and im unemployed.
Is there anywere that will do a instantish loan? I am currently unemployed but on job seekers, i actually really need a loan i have never ever thought about getting 1 before but times are bad now and i need cash for private issues.
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Smaller Loan?
Hi there, just a general info/advice hunt here I guess!! I'm liking the idea of getting myself another car and a loan to pay for this. The thinking is it makes more sense to buy something and pay it back monthly rather than save up the same money monthly, it'd obviously make the goal a lot futher away! I'd be reluctant to…
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PaydayUK Loans - Has anyone else received this email?
Hi, I received this email from PaydayUK Loans yesterday: Thank you for your recent application to PaydayUK (NEWWW). Your Payday Loan has been approved for £160.00, although we have been unable to deposit your loan as your debit card and bank details have not been entered. To finalise your loan, click the link below, enter…
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Help with getting a loan!
Hi guys, So im after about £1000 so i think im after a loan. I am only 20 so i dont have a clue about this at all. I went into my bank (HSBC) last week to ask for one. They took all my details etc etc wages and all the rest and it turned out i am earning £100 too little to qualify :mad: So, im just wondering, if i was to…
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Personal loans...Advice required
Hiya all, I've never been a stranger to personal loans and finance, probably to excess in the past. Around this time last year, I completed payments on a couple of loans. One was a was a 5k consolidation loan from egg over 5 years. Another was a finance agreement over 4 years for a car. The apr on this was quite high as at…
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No credit Score???
Hi sorry I haven't had time to do a search (ok, too lazy :sad:) My son wants to get a brand new car on a lease hire agreement, but has been told his credit rating is not good enough. He & I don't understand this as the only credit he has is a mortgage with NO defaults what so ever. we are at a loss as to why he cannot get…
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Barclays student Loan HELP!!!!
Hi, In June 2008 I took a loan of £6000 from Barclays to pay for my IT course with a company called advent training. Now the company has gone out of business and I am not able to continue with my course. The loan I took from Barclays I paid it of after one year. I have read the Barclays agreement letter and there is a…
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CIT Group / BPO collection... ADVICE?
Hi, i defaulted on my Dell computer account through CIT Group... I paid what i thought to be a full and final settlement to a debt collection company (cant remember the name) but then 6 months or so later Dell / CIT wrote to me advising i still owed them money. I rang them and said i'd settled it with the debt collection…
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Selling A Vehicle under A Fixed Sum Loan
Hi, I am looking for some advice and help if anyone has any clues... I bought a car 2 years ago under a fixed sum loan, but took this out over 5 years. I am now trying to save to buy a house and need to free up some money. I dont think im allowed to terminate my contract with the lender, however I wondered if I was allowed…
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Loan with A&L now Santander? Payments been written off!!!
In 2003 I took out a loan with A&L, in 2004 my partner and I had our first child and a year later payments with the loan became difficult. I called A&L and had the interest frozen and started to pay reduced payments. This progressed fine until November 09 when I received a letter from A&L stating my last 3 payments to…
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Paying Abbey Loan off Early
Hi Guys, Im trying to save to pay my Abbey Loan off early, does anybody know if there are any penalties for doing this and if so what they are, and will i get any interest back or do they take it off when they give me a settlement figure? Thanks xxx
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Credit File Missed Payment
I swapped my previous vehicle, which was on finance, to a new one that was also on finance back in May last year. The company I bought the new vehicle from arranged all of the finance for me on the new vehicle and as far as I was concerned it was a done deal. I drove my new car away with a newly completed agreement and…
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Mackenzie Hall "Incorrect" Settlement Figure
Looking for thoughts on this one.... I had a Payday loan which I defaulted on last year and the debt was passed to Mackenzie Hall. The defaulted amount was £800 and MH offered me the option of clearing it in one go for £400 or setting up a monthly repayment of £25. I opted for the monthly payments and to date have paid…
