-
CCJ Northern Rock
I have a CCJ due to falling into arrears with Northern Rock. I contacted the the Courts and Northen Rock, explained I could only pay £10 and they told me to do this. I have never received any documents to support this or even a statement from Northern Rock. Do I continue paying the the CCJ? What happens if the loan arrears…
-
Ccj
I have a CCJ due to falling into arrears with Northern Rock. I contacted the the Courts and Northen Rock, explained I could only pay £10 and they told me to do this. I have never received any documents to support this or even a statement from Northern Rock. Do I continue paying the the CCJ? What happens if the loan arrears…
-
Wonga Question
Hello All Quick wonga question - am due to pay back my loan with them Weds. I wanted to extend that for a day to Thurs as I didn't realise they took the money back at 6am the morning of payday - I'm not sure my money coming in would've cleared by 6am. I will have the funds to pay them back on Weds just not at 6am. So my…
-
Loan versus mortgage
Hi, We are looking to buy a propoerty. We have enough savings to buy the property outright (just). but will need to borrow in order to do some home improvements, eg extensions etc. Im not sure the best/cheapest way to borrow money. Should i take out a small mortgage (as rates are lower?) or take a loan eg unsecured out as…
-
HELP!!! Letters to loan companys!!
I have recently lost my job, and I can't meet my repayments on my loan. I would like advice on what to put in a letter asking if I can make the minimum repayments. Please, someone help!! Becky
-
Unenforceable Loan
Hello there, I am new to this site. Can anyone help? I took out a secured loan in 2005 for £20,000. I have been paying since then but my balance is still £23,579.00. I have paid debit free uk (don't know if you have heard of them £295) to get the loan cleared off. Only for me to find out northing was done and now they have…
-
Responsibilty for loan after death
Hi, can someone please advise. My dad died a few months ago and whilst notifying all the relevant authorities of this we learned he had taken out a bank loan. He was 78 with only a state pension as his income and it was for a period of 3 years. My Mum had no idea and nor did I. I wrote to the bank and explained the…
-
LLoyds TSB
Hi folks, Applied for a loan online and was referred to a phone number to provide further info. After calling this number, I was told I had to call into a branch to discuss as there was something possibly on my credit file that may be a problem. I am awaiting a copy of my file, but can anyone advise if going into a branch…
-
Car finance
Hello All, I am thinking of taking out car finance for about 10k but I am scared of rejection... Having looked at my experian report, it looks ok - everything up to date but there was a default on there which dates back to 2005 but this has been 'satisfied' since. I have a mortgage (not sure if that makes any difference…
-
Have failed applications ruined my chance of getting a loan
Hi This is my first post and any help or advice would be much appreciated. I have been trying to get a loan (or even an interest free cc) since I bought my flat and moved in over a year ago. I have made 5/6 applications in the last year but I keep getting rejected. I have seen my credit report from Experian but it only…
-
loan accepted in principle - concerns
Hi bit of background - me and my boyfriend bought our first house april 2009 and since then we have been trying to get a loan to do some home improvements and to clear some credit card debt. we had been refused every where as we had a lot of borrowing out in our name. over the past year we have been working hard to build…
-
Ppi and claiming
Hi there new here so not sure if correct place I have a loan with lloyds tsb and have ppi with this loan, I was a carer and had made a claim against the ppi un til dec 09 which was 11 months of claiming, I then started work for 30 hrs a week and in Feb 2010 I had to leave work and become a carer for my son again whose…
-
Personal loan
Hi I have applied for a personal loan of 2,000 over 3years with an apr of 22.9% so will be total amount of £2,705.04. My question is if I was to pay some monthly payments then say in six months pay the complete loan off what would my charge be in english? Many thanks loan is with A&L santander
-
Bad Credit Rating, No Debt, but wants to improve Credit
Hi, I could do with some help. I am now out of debt after being silly with money at a young age. I am now settled live with my partner and have a child, however i still have a bad credit rating. I work part time and have nothing to pay each month other than my sons nursery fees. I have managed to get credit with a…
-
Loan not been paid what do i do?!?
Hi, I applied for a payday loan (i no i shouldnt but bad circumstances and i can afford to pay it back) the loan has still not been paid into my account. They said they were paying it in on the 29/3 and that it may take 3 working days to pay in due to the bank. It still hadnt been paid a week later. I contacted the company…
-
Turned down with a top credit score!
Hello All, new member here. I have joined to be honest to try understand what has happened with not one but two loan applications. I want to buy a new car and applied to Sainsbury's for a loan of £8k over 5yrs to pay for it. I am in full time employment, same company for 3yrs 4mths, and earn a salary in the low to mid…
-
Bank taking money for a payment I missed over a year ago!
Last March (2009) I missed a repayment on my loan. My bank had reached its overdraft limit. Two days after the loan repayment date I transferred enough money to cover the repayment. One year and one month later, they have just taken the money out of my account to cover this missed payment. This is a terrible time for me…
-
poor credit lenders NOT brokers?
Hello, I am looking for a unsecured loan for myself approx £2500 and i am in full time employment etc but i have been told i have a couple of blots on my credit report from 2 years ago from a mobile phone bill. I didnt have the money at the time to pay the bills but i am much better with money now but hence some of the…
-
Wonga.com and collections agencies
Hi, Not sure if I'm posting in the right place, and if I am I apologize. Just really looking for some help here. Basically I've been an idiot and used the above payday loan company (I'm well aware of how most people feel about said company already, and yes I am stupid for using them). Anyway, I got into the dreadful cycle…
-
Getting Money Back
Hi there, I wondered if anyone could help me. Back in October I lent my boss (stupidly) some money as he was having a cashflow problem. I had recently sold my house and lent him £9,000 which was money I had made and was to do my new house up. The understanding was that he would pay me back the following week. I still…
