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Loan - Lloyds TSB - Barclays Visa Card
Good Morning All, I have a loan with Lloyds TSB which is over 5 years at a cost of £232.00 per month, the loan was for £11,000.00. I've paid 26 monthly payments without missing a single month, leaving nearly 3 years of the loan left to pay. Last month my circumstances changed and I am now living on my own, which means only…
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New Car
Hi Not sure if this is the righth place to post this? I'm looking at purchasing a new (ish) car as both my self and my partner are expecting our first child.:j However I'm unsure which is my best option. I'm not sure if a personal loan or a car loan from a bank is our best option or if applying for finace through a garage…
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Declined loan - please help
Hi, I have been declined a loan to consolodate all my existing debts. I checked my credit report and I am shocked as to why because I am in the "excellent" catogory with 476 score. Everything is excellent except the elecoral role as I am not on it, that is danger. But still my overall score is 476 and excellent. Is this…
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Cahoot - no money taken but credit report says up to date!
I need some advice pls. When the thing with Santander changing the Cahoot flexible loan all started I was in the middle of changing my bank, so I was switching my DD's. Some of this I was doing manually - either online or by post. When the online access for the Cahoot loan was removed I rang them and asked what was going…
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Consolidation Loan
Hi i'm looking to consolidate my loans, because right now what im paying out each month is a huge stretch. We are "surviving" and managing to make all the payments but we are left in a stressful situation each month as my husband is self employed and some months earn's nothing, each month we ride the rollercoaster of "will…
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Question about loans
Hi All, Sorry i'm been dosile here, like I said in an ealier post, my dad is looking for a loan but looking at most of the loan sites it says basically dont apply if you have been declined credit in the last month, but how would they know ? My dad applied with his bank last night and is waiting for them to get back to them…
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help with colsolidation loan
Hi, I've got a few debts and am trying to work out the best way to pay them off and would be grateful for some advice :o I have a Natwest loan: £3251.91 ending April 2013 monthly payment £110 Natwest loan: £1214.10 ending in 10 months monthly payment £121.41 HSBC credit card £676.98 paying minimum each month £18 M&S credit…
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Do Tesco Loans Give An Instant Decision
Hi All, My dad is wanting to apply for a loan, do Tesco give an Instant answer if your accepted ?
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Possible business opportunity
The company I work for (who are based in France) are proposing a management buy-out and I have been asked if I would like to invest. The capital they require to raise is 1m Euro and they have guaranteed funding for another 17m Euro from two major French investors. The directors are providing approx 500k from personal funds…
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Should I or should'nt I?
Hi folks, I need a newer car so i'm after a loan. I don't have a bank account but my wife does. her credit score is poor as for mine it's fair/good. Should I open a new bank account in my name only? Or should I join her account?
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old cahoot loan, now santander
Hi guys and girlies, I have a problem!!! I had a loan with Cahoot (Flexable) which has now been passed onto Santander. When I had the loan with cahoot I didnt receive statements and logged in online. Since Santander have taken over, I now get a statement each month. (about £2000 outstanding) I want these statements to stop…
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Payments not taken
I have recently bought a kitchen on finance, the kitchen was delivered on 6 March 2010 and I was told payments would be taken 2 weeks later, to date nothing has been taken out my bank and I have received no correspondence regarding my agreement. Additionally I have checked my credit report and the finance agreement is not…
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Borrowing Problems!!!
Hi every time i apply for a loan iam knocked back and i dont understand why?? i earn £24000 a year in a secure job, i have no debts or have ever had any. Iam 25 years old and need the money for a new car ASAP ive been asking to borrow £1000 over 12 months which is no problem to pay back. why do i keep getting knocked back…
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Overdraft???
Hi I am planning on getting a mortgage soon but wondered weather going into my overdraft will affect my credit rating, or is it only if i go over the overdraft limit? Thanks
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Paying off bank overdraught and closing the account
Hi, I need some help please, so I hope I've posted this in the correct forum area. Apologies if not. Anyway, here goes: I have an account with a High Street bank which was opened in 1984(ish). It has an overdraught limit of just over £5,200 and my wife and I decided to move all of the incomings and outgoings to another…
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Who are the best lenders for loans at the moment?
Hi, I wonder if anyone can help us. We have an above average credit rating, around 650 our of 1000 depending on which day you look and with which agency. Saying that this has dropped from 750-800 sinice the credit crunch for no apparent reason other than we have 2 credit cards that we use for emergency purposes since we…
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Honours Student Loans - refusal to defer payments
Hi everyone, I have a Student Loan which was sold on to Honours Student Loans which dates from 1998. I have deferred the loan every year , but was late on deferring in 2005 due to moving house and not recieving the deferement forms (I know this is my own fault, but when I did get in touch with them I paid the arrears and…
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urgent help needed pls!
hi, can anyone advice me on the following issue? i use to work as a part time healthcare support worker until recently (2wks ago) when i eventually got a full time job with the NHS. i urgently need a loan of between £3000-£4000 for a car as i will need to make long journey to and from work and other commitments. the…
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settlement
Does any1 know if I will be able to ring for a settlement figure before my first payment
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Should I cancel the PPI I have on a LLoyds TSB Loan
Not sure if I have posted in the right place? I have a loan with Lloyds TSB current outstanding amount is £13,853.71 I have taken out PPI on it which is £52.17 a month. Should I cancel this and pay the £50.00 into the loan account instead
