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Default Removal?
Hi there! I made a thread last week and was given good advice, so im hoping for some more. I've checked my 2 reports from experian and equifax much the same apart from one default on my equifax report. After reading some advice on these forums i thought i would try and get my default removed. I made contact my bank today…
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getting 0% card to pay off overdraft
Hello, First time on here so be gentler, basically i have a maxed out overdraft on my hsbc graduate account that next month will be changing to a standard account which means they will be charging around 19.9% on any overdrawn balance, look on this site ive seen the super balance transfer using a virgin credit card which…
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Welcome Finance Admistration query
I have just had a phone call from a lady to advise my husband that Welcome have gone into administration. She asked me to get him to call her back as he's at work & can not accept personal calls during work hours. She said that due to some technicality (can't remember the phrase she used) that Welcome have to repay…
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should i save or overpay off loan?
Hi, I have a Sainsbury's loan with 5 years to go. The balance is £17,000 and my payments have been reduced to £278 per month since I cancelled my PPI. I have been sucessful in reclaiming some PPI and planned to pay about £4,000 off the loan and then overpay each month, paying £800 per month. This should mean I would be…
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Getting a ccj removed off credit report?
Hi I have had 2 ccjs, which have both been paid, and marked settled on my credit report. They were not paid withing the first month, but by monthly payments. I was just trying to find out if there is ANY way i can get them now removed off my credit report? Thanks
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Joint Application Query
Hi there, my first time using these forums! I recently applied for a small loan (£3000) and was turned down. As far as im aware my credit history shouldn't be too bad, i havn't missed payments on things in a good year or so. But i have moved a coule of times in the last 3 years and also changed employer a year ago and…
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Can we sell our car?
Apologies if I have posted in the wrong area :o . We bought a new car through a dealer in 2004. Unfortunately we fell into financial difficulties 3 years ago due to our business failing and struggled to maintain repayments eventually entering into a DMP. The finance was originally with GE Capital but was then sold onto to…
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Century Finance
I received a telephone call today from Century Finance after searching online for quotes for a loan of £2000 for car purchase. I was told by the caller that my loan had been approved, I would receive an online form to complete and that the money would be available within 5 days. I am now very worried as I rather stupidly…
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Loan Application Amount
With regards to loan applications does the amount that you are applying for have much of an effect on approval or rejection. For example, if I was to apply for a loan of £6,000 would I have more of a chance of approval than applying for a loan of £8,000?
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Loan Quotations - Do they leave a mark?
Hello all, I've been trying to improve my credit file/rating over the last year or so by paying all existing credit repayments on time and in full. I have also used 'credit expert' to monitor my credit rating over the year and have found it go from Very Poor to Fair, which gives me an indication of how I'm doing. I am now…
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Percentage of Credit Available
Hi guys, quick question im hoping someone can answer for me. Am I right in saying that there is an ideal percentage of credit that you should have available when applying for more credit. Meaning that the provider doesn't like to see that you are maxed out as this will deter them providing you with more credit, but also…
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Santander ex cahoot Loan mess up by them - advice please
I have a loan with Cahoot that was transferred over to Santander earlier this year. The payment normally goes out 24th or 25th. This morning i was a bit concerned cause it hadnt gone out and we are on 28th so i rang their customer serice centre who told me it is probably just an admin error and it would take a few days to…
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Allied International
I have had a call from these about a loan I apparently had with Lloyds TSB! They are chasing me for just over £5k First call was last week saying can I pay this now! Of course I couldnt. They were going to call back and I am waiting for this call. What is the best plan of attack?
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Fax Number for Welcome please!
I need to pay off my welcome loan asap and my solicitor who has the money due to house sale cant get in contact with them....neither can i! Tried emails and phone calls with no joy so wondering if there is a fax number available to get a response out of these useless people! Dont they want there money???!!!!
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Aspire Money?
MoneySavingExpert.com Insert: Aspire has asked for a right of reply. MoneySavingExpert does not endorse anything a company says on our Forum. We are delighted to see that contributors to this thread have had a good experience using our service. To clarify for anyone else who comes across this discussion; Aspire Money is a…
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Welcome Car Finance - ahem
So I'm in work and get a letter posted on Friday saying sorry missed you please contact from some random number. I ring and it was a company coming to reposses my car as I'd missed a payment previously, even though i'd paid my instalments since.. I'd received no notification, and to top it off they said they can't take the…
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Welcome Car Finance - Car Written off - BIG problem
I am hoping someone can advise me here. Basically I bought a car for my girlfriend in June 2008 through Welcome Car Finance. I don't know whether or not it is an HP agreement or Credit Agreement. The documentation states at the top that is a Credit Agreement regulated by etc etc but makes reference to HP within the jargon.…
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Loan now or later?
In need of advice.... I need to borrow 6k but am unsure of the best way to go about it. There isnt a great rush for the money and wasnt sure whether the budget changes due to come into play will raise the prices of loans making it better to take out now? Also our mortgage comes up for renewal next April and Im concerned…
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HSBC Management Loan
Post removed due to creepy profiling of user
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Help With Provident Loan
Hey Guys, I took out a cash loan from greenwood finance in April, I missed a few payments which i explained to my agent and he was fine about it, However, I got in touch with him to come and collect my outstanding amount that i owe which was £30, This would put me upto date with the loan, he collected it on the 16th june,…
