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Bigger loan to cover smaller loan?
Hi I'm thinking of taking out a bigger loan to [sort of] consolidate my debts. I have a debt of around £7000 of which I missed a couple of payments and now it has given me a poor credit rating. I want to get a bigger loan, to pay off that debt (hopefully giving me a better credit rating), and to pay off some smaller debts…
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Trying to consolidate
Hi. Sorry for the copy & paste but I have just started a thread on another section and was advised to hop over and ask here. "I have recently had my first baby and have had the pleasure of having 5 months full pay maternity leave, now that I am due to return to work I am concerned as I will be going back part time & have a…
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Help on Loan?
Hi all, I'm just looking for some general advice...I'm about £4500 in debt and it's getting a bit unmanageable for me. I was thinking of consolodating it all into one loan. I've looked into the loan at my credit union and was going to apply for it, but the only thing is, I'm on a fixed term contract with my job until the…
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Quick question about LloydsTSB Personal Overdraft...
Hey everyone, this is my first post here on MSE.. hope you can help... I quit University half a year into my course and applied for a personal overdraft from LloydsTSB, they give me £350 12 Month planned over draft... the 12 months will be up in a few months. Since getting it I have opened up a different bank account with…
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how much personal loan can i get
Hi i'm 14k in debt to 5 lenders (credit cards, loans, overdrafts i want to consolidate and just have one payment and reduce my monthly cost a fraction but mainly just get a date that i know they will be paid off. you all know the score! i see tesco's, sainsburys and some other are doing a 7.8% apr and i want to apply. whos…
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Turned down for credit but moving house - try again?
Hi, I was turned down for credit on a TV in Currys - the credit company i think was called Creation. I was not able to provide a home telephone number during the application and i believe this may be a major issue i was turned down as my credit - as far as i know - is okay. I got a Virgin credit card on this address 12…
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Where to get an unsecured loan.. not so great credit rating?
Hi there, Im looking for a bit of advice. I recently applied to buy my council flat which has been valued at £32000. The council have offered me it for £12500. Unfortunately, though, its a Whitson Fairhurst type build which has been declared as defective by the Scottish Government. There is only one company that gives out…
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credit reference agencies
Does anyone have a up-to-date list of which credit reference agencies that each lender uses?
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Payday and other loan issues!!!
Hey everyone! I managed to get myself in a compete mess and looking for some advice.... Basically I built myself into a lot of debt and ended up taking out more and more credit to get myself out of it! The amount I owe isnt a huge amount and I have a decent wage (now) but it got messed up and hid under a rug to hide from…
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Bad Credit address?
I recently applied for finance in order to buy a camera worth £600, and was turned down. I have fairly good credit and have not had trouble obtaining credit until I moved into my present rented accomodation. The previous tenant, however, seems to have unpaid debts with BT for which there are frequent mailings to my address…
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Would this be no credit?
My husband and I are looking to buy a cheap 2nd car. We're hoping to have about 2 or 3 grand to put down and borrow the rest somewhere between 4 and 6 grand. I'm a housewife and my husband works full time, has been with his current company for 2 1/2 years and we have been in the same rented house for 3 1/2 years. We don't…
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Loan not being paid and guarantor deceased
Hi I will try and provide as much detail as possible but it is a friends issue and they are being scarce with details. There Mum has just died and there are 5 brothers and sisters all entitled to a share of the estate. However, one brother got his Mum to act as guarantor on a loan and secured it against hre house. The…
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Welcome finance
Hello, Could someone give me some advice. I began my loan with Welcome in November 2008 and have paid my monthly payments since. The loan is due to end in November 2011. Today I called to ask for settlement figure to settle the balance today, they told me £200 more than the outstanding balance. I asked why this was, and…
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Barclays driving me mad
I'm hoping that a few people can give me an opinion on my situation before I manage to find a solicitor next week. This is quite a complex one but I'll try to keep it as short as possible! Basically I was self employed for a while and had a business current account and business loan with barclays who I also do my personal…
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Nationwide Overdraft When do you have topay it back?
If you have a overdraft of £1200 and you use the limit when do you have to pay it back?. Can you pay it after 3 months? How long have you had your overdraft and when did you pay it?
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Loan Application/ Credit Rating
Hello, . . . Any advice would be greatly appreciated.
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Why are you in debt?
Sometimes being in debt is not primarily because of overspending. Many instances that circumstance happen that pushes us to loan (ie; health bills, accidents,). Anyone here that is in debt? Why?
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asking to hold intrest
i have a loan and the monthly payments are high around £490. i was ok to make these but recently my hours and pay + overtime has been cut, i have gone from £23,000 down to £13,500. i cant afford to keep paying this monthly ammount as i have 1 child with another due september, we dont get much in the way of benefits, i…
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Trying to cancel a Credit Agreements
Hi all, newbie here looking for some advice from experts out there.... Just wanted to know if it is possible and how you would go about cancelling a credit agreement that you have signed. Agreement has been signed for monthly payments to be setup to pay an organisation (more about them later if required!) for the next 5…
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Very confused as to what to do
Hi everyone I wonder if someone can help me I have just been turned down and appealed to Santander for a personal loan. I have to say they were very helpful and told me the reason i was turned down was because although I have lived at my address for over 10 years I have only been on electoral roll for 2 and also that I…
