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Loan declined because of a bank charge
Hi, My husband and I (joint income £63k; £1k on credit cards and a car on HP) recently applied for a £25k unsecured loan for home improvements with Tesco. Today we heard it was declined because we had a bank charge on one of our accounts within the last three months. It was because we didn't transfer some money between…
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Unemployed, CCJs - any chance of getting a loan?
Hi, i have searched these forums, but cannot find a similar topic. I was wondering if there are any loans out there for people with bad credit ratings and unemployed. I have tried places that find you a loan, all they seem to have done is taken my money! Im looking for a loan for around £2000... Thanks
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My employer letting me down :-(
I have my mortgage with the Abby, who are now Santander. It's only 87k, and I applied recently to borrow 7k for home improvements. They gave me a great repayment option of only about £40 a month over 3 years. All was going well with the process until they asked for my last 3 payslips. One was about £2500 and the others…
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Consolidation
How do you convince a lender that you dont want extra money - but that you want to pay off an existing loan in full? I really want to get my cahoot loan on a fixed rate as I dont want to leave myself in the exposed position of it being on a variable rate as it has gone up twice. As Cahoot are now Satander I was hoping they…
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Advice Please
I took out a secured loan in 2000 with Ocean Finance for £4000 in 2003 I borrowed another £4000 however Ocean said it had to be done with one of their other complanies Blemain Finance and as I was in need of the cash quickly I agreed although it meant that the figure to repay was now just over £13,000. I have paid £200 pm…
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Problems with loan from Wonga
On Saturday 13th of February i made my first application for a payday loan from company called Wonga. The website stated that once you have been verified the money could be in your account within 15 minutes. I filled out all the application details, emailled over a scan of a bank statement and provided details of my…
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Loan Help - A Car (I'm a student, both parents not working) - Urgent, please help!
Hi all, Recently my sister passed away, she had recently got her own car (well more of a van which has been adapted for her wheelchair). Both due to sentimental value, and the use of it we are considering buying the vehicle. It is £18,000 (an-almost brand new Volkswagen). I'm only 21, on the final year of University study.…
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Finance credit checks?
I've had a guy round today for a quote for a conservatory (he's about the 8th we've had round!) His price has come out the best and they also offer finance options. He says its done by an external credit company (as expected) so he says the APR offered depends on what they come up with - which he says he'll phone tomorrow…
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Working out settlement figure of loan.
Hi all, Is there any easy way to work out the settlement figure of my loan? The loan was for £12,000 over 36 months and the total repayment is £13.698.36 So that's £1,698.36 interest. I think the loan was 8.9% APR. The current balance of the loan is £10,654.28 with a settlement figure of £9,442.01. Any ideas?
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Student Loan Pre 1998
I got a pre 1998 student loan. Since then i have earned less than the thresh hold amount. My basic salary is £18400, but this year i have earned some bonus payments - these are not guaranteed. I am just about to move into a new position at work where i will no longer be earning bonus payments and will be well under the…
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SECOND DEGREE LOAN!! help!
hi, I am soon to finish my final year of an undergraduate degree which I have received a loan from student finance. However, I wish to study another course for two years but have been told that I cannot receive a second loan from student finance. Does anyone know what type of loan or which bank/society I could go to to…
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CCJ's etc
Hi All, Quick over view of our situation.. My partner has mortgage on HER current home. Weve have put extention onto HER home using MY money.. Partner has previous Bad Dept tied into her home (3k CCJ). Which she cant afford to fully pay off. If I have things done 'legal and above board'. i.e. Change my address to her home,…
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Best car loan - loan or credit card?
Our family car has sadly died and we need to purchase a new one in the next week or so. Looking to spend £4-£5k so we can get a good, low mileage family car with service history that's a few years old and we can have for many years to come. Finance??!!! Help please. Between us we have accounts with Santander and Nat West…
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Car Hire Purchase
Morning All, I have a car loan - 15 months into the 48 month agreement. When I took it out I didn't realise it was a HP but anyway, that doesn't matter. Payments are very manageable but I am trying to cut my out-goings to maximise savings. Say that I want to sell my car and buy another. Any ideas how I can do this? I am…
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Loanfinder- what you need to know
MSE official insert: This thread has been closed. Complaints against Loanfinder UK Limited and their response included the following: 1) Complaint: Fees are taken out of customers' accounts without authorisation, using debit cards, the details of which are purportedly taken for identification or credit check purposes only.…
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Can I claim back my RBS loan repayments?
Hi all, I’m a 1st time user of the forum & hope you can help. In 2003 whilst in full time employment I took out a loan with Royal Bank of Scotland for £3229.00 (including interest over 60 months) and was paying approx £53.00 per month. In 2005 I became incapacitated with a chronic back condition and have been unable to…
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Help Please ...
Hello , i am trying to get a £5500 loan and have been turned down by 3 loan companies now so i dare not try anywhere else for time being. I have signed up to credit expert to look into why i not being excepted .. I owe £1700 roughly but with this loan i am lookin to clear all that and get my self a second car .. i have not…
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Business Loan
I have a business loan and wrote to the bank that with the collapse of the business and serious injury making it impossible to work that I am now unable to repay the loan at its agreed monthly repayment and offered an amount that I can based upon my reduced income which consists of benefits. After seven weeks I have their…
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Best Place to get a loan - often get refused but don't know why
Good evening, I want to get a loan for a car. I am looking at borrowing £6000. I am 33 and I earn £35,000 pa. I have a credit card with £1400 on it. No other debts. I haven't applied for anything for about a year but I recently paid off a couple of loans early in November. Where would be the easiest place to get accepted…
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need quick help on a loan ( payday loan)
hi ive got myself into a small amount of bother i get paid a week tomorrow but im needing roughly £100 until then thing is im 350 over my overdraft, so putting anything under 350 into my account still isnt going to allow me to withdraw until i get paid :( SO i dont know what to do i cant lend off family as they will be…
