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Loans after CCJ set aside
Hi, I got a CCJ set aside yesterday - claimant agreed (At last) that it should nt have been put on and asked court to set it aside :beer: I clearly have a low score of about 450 with the CCJ on... but what will the chances of getting a loan to consolidate my high interest payments be ?? I am told that the Registry Trust…
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Moving House.
Hi, I have a really good credit history, a credit card I pay off in full most months, £1000 in interest free overdraft and a good income. Basically, I am getting married at the end of the year. We set out a budget for everything and generally we were generous with the budget so have undercut our budget on 90% of items. The…
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Consolidation Loan to pay off cards
Hi, My boyfriend has 5 credit cards with approximately £10k worth of debt on them. Whilst he is up to date and has no problem making payments he is unable to pay much more than the miniumum payments. He would like to be able to take out one loan to pay off all the credit cards and then close the accounts down - so he has…
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Help please !
Ok ill keep it short if possible,i need some advice please.I am trying to get a loan and due to a lovely ex-husband of mine who had debts without letting me know about them(one of which being the mortgage) i cannot for the life of me get a loan to help me clear a few things he left me with.I am paying what needs to be paid…
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Company car ownership scheme loan
I work for a large uk based utility company, and currently have a loan with the companies financial arm to pay for a car I have using a company 'car ownership scheme. The main details of the scheme are. I purchase a car from a list provided by the company. They set the price of the car They set the insurance premium for…
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Creditor refusing lower payments
Hi, Im relatively new to the forum so I apologise if I have put this in the wrong place. I really need some help or advice with this as I dont know what to do, and am filled with anxiety. I took out a guarantor loan last year with FLM loans. My ex partner was paying half the loan in lieu of child maintenance and his mother…
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Genuine loan companies??????
Hello there, does anyone know of a genuine loan company or car finance company for poor credit people?? That isn't a complete scam or costs the earth in apr. I have a couple of defaults, earn around £26,000 a year and only want around £3000. Any help please.
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Non-regulated loans
I took a non-regulated loan out in 2006, and have paid 4 years of this loan. Recently I wanted to end the agreement early in order to change the product that we bought. It was financially impossible to end this agreement as the biggest part of the interest, i.e. £21,000 had been deducted over the first 4 years leaving only…
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"restructured a debt" without permission?
Hi, My partner has had a loan with Welcome Finance since 2003. In 2007 they "restructured" her loan without her permission. Having spoke to them they say they DO NOT have any off the paperwork from the original loan because it is over 5 years old.. Now am I being stupid but if the loan is still outstanding wouldnt the loan…
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Unsecured loans
Unsecured loans. What's the worst the lender can do if you fall behind on payments etc....
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Will they, wont they?
Hi All, after a bit of advice, Ive applied for a loan with tescos on wednesday evening for 12k over 60 months, ive been approved in principal, had the option to hold off paying for an extra 2 months and dont need to send any additional documents in. Ive just had 2 loan requests declined 1 from Sainsbury’s and 1 from…
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Car finance advice needed please.
I am over two years into a 4 year finance agreement with Advantage Finance for a car. My payments were for £274 pm, but for the last 6 months or so I have been paying £100 pm.In May last year I was offered a job, unfortunately, the lad who offered me the job (my brother) lost the contract before we even started work.…
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Loan declined - worth appealing?
Hello, We (fiancee and myself) were declined a loan of £17000 (for wedding). We both earn around £16000 a year. We have no outstanding loans; credit cards and OD balances are zero. We have around £700-£900 each month left from our wages. We have permanent jobs, pay everything on time. We are on the electoral roll, but move…
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Loans
Just a couple of questions on loans, one: You know when you apply for a loan they ask you what it's used for i.e. home improvements, a new car, debt consolidation etc; does it make a difference? Meaning say they kind of score you in the process of applying, points for good credit, points for good income etc is there a…
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Cahoot flexi loan
Hi all, I'm new here !! and in debt like the majority !! lol Basically I'm on a DMP through the CCCS and recently received notification that my flexi loan with cahoot is now transferred to Santander. My question is, as I have not signed any sort of credit agreement with Santander nor ever delt with them how can they…
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Paperless / Online Statement Loan
Hi everyone, I'm new here, and now here because I need help. I want a loan, for 6.5 - 7k, but it must have online statement-ing / paperless. I cannot have partner knowing about how much this is. Any ideas please, and likelihood of being accepted, my own bank, Nationwide have declined me. Thanks in advance Kelly x
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I know its a long shot ...Halifax Loan what happens if ?
Hi Everyone ! I wonder if you can help ..we had a personal loan with the Halifax we owe £2100 on it never missed a payment, we pay £110 a month but we may be able to pay this off in the next few weeks, would we get any money back if we did ? i know i could ring but thought i would ask here :D
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Unenforceable debt help
Cut a long story short I had a catalogue, it went to a debt company, ive asked them to provide me with the original signed documents, heard nothing for 6 weeks. Rung them today they said the catalogue company cannot find them so they said the debt has been written off unless they find them no further action to be taken…
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Moving to another loan
Took out a £3800 loan with RBS in January. Paying over and above the minimum payment ever month but the amount does not seem to get lower:(. Does not help that the interest is 15%. Anyone know a cheaper loan and if I will be able to move to another one after such a short time. Getting married next year so need to do…
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Loan to pay off credit cards
I have tried a couple of lenders including my own bank and mortgage provider to obtain a loan to pay off credit cards. I self funded the training to become an airline pilot several years ago using an HSBC professional studies unsecured loan for £50k but came up a little short to the tune of £12k so had no choice but to use…
