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Getting a settled default removed from my credit file
Hello all This is my first post, go please go easy on me (although I'm a frequent visitor and have picked up some great advice in the past). Does anyone have any advice as to whether or not it is possible to get a settled default removed from my Equifax credit file? It's for a phone bill on a contract that I was mis-sold…
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Loan declined??
My husband applied for a loan for 7.5K on the 5th of july with Yorkshire bank online who he has an account with, we didnt hear anything so he rang them this morning and they say they have sent a letter but we must not have got it, but they went on to say his loan was declined. We're not sure why other than possibly its…
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Mistaken identity - Lowell Group
I have received a series of automated messages to my work number for a person with the same middle initial and surname as me, but a different gender! :eek: I contacted Lowell, who said the number would be removed & it obviously wasnt me they were looking for. The calls then started to my home number, I contacted them again…
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Noob to loans, quick bit of help please?
So I want to take out my first ever loan. From what I can gather the general rules are to borrow as little as possible and pay off as quick as possible. I want to borrow approximately £4000 (max £4500) over 3 years and when I go to money supermarket to compare loans, the cheapest one is always Sainsburys personal loan at…
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PPI Claim Fees
Hello I have recently won a claim for PPI and recieved a cheque. This was about 3 weeks ago. It is not a considerable I have recieved back and the solciitor wanted the majority of it, which is why the meeting was going to be held. The solicitor said there were to hold a meeting to discuss how much my fees would be. They…
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any experience with a managed load with HSBC?
Hi Does anyone have any experience of having a managed loan with HSBC? I have one which seems to be never ending!!!! The bank advised me in 2005 that I would be better off with a managed loan and that by 2010 my loan would be paid off, however the interest is so high, its not even half paid off yet. I am so annoyed with…
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paying black horse off
Hi we have just took out a joint loan with our bank to cover car finance. The car finance is in my partners name with black horse can I ring up and pay it off for him or do you reckon He will have to do it. The bank loan is in joint names
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Little advice please
Hi, sorry if this is in the wrong place, I'm not v good on using Forums. I had a next account several years ago and when I got ill I got behind on the payments with them, they referred it to a debt agency and I paid it in full. Now out of the blue I have had a letter from them saying I owe £72 and if I don't pay it they…
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Pay off student loan by September?
Hello all Right, so student loans are set to rise in September (albeit, not confirmed) so I figured I'd work out whether I should clear the loan or not. I owe £2600 to the Student Loans Company. (after 1998) With an interest of 1.5%, student loan interest calculators say I'll owe £39 odd each month. It'd be £3068 after a…
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Maths help (student loan vs ISA)
Hello all Right, so student loans are set to rise in September (albeit, not confirmed) so I figured I'd work out whether I should clear the loan or not. I owe £2600 to the Student Loans Company. (after 1998) With an interest of 1.5%, student loan interest calculators say I'll owe £39 odd each month. It'd be £3068 after a…
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Tesco loan advice
Advice please!!! I've got a loan with Tesco which I've had for a year and never defaulted. The balance is approx £6.5K. I have two credit cards totaling £3k and I wanted to consolidate. I made an application to Tesco who agreed in principle to a higher loan of £10.5K (incl interest over 3 yrs). When I sent in my bank…
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staged payments for buying business
I am in the early stage of buying into the business I work for and am looking for information on staged payments. pros and cons for myself and the business owner. I would be giving an initial lump sum cash payment and then in effect pay off the rest over a set amount of time. I am pretty new to all this so any advice would…
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information on seller funding
Hi - I am wondering if anyone know where I can find information on Seller Financing. I am in the process of buying into a business i currently work for and a looking at options available to me. I have come across "seller financing" where the seller (company owner) would act, in effect the bank to enable me to buy into the…
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Credit file wrong
Hi,Just been checking my credit file as want to apply for a loan from the Bank thought I"d see what my credit report was like and found 3 searches for the same day for a place called Black Horse searched on the 26.08.09 never heard of them what can I do to get them taken off:eek:
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Credit in my name, someone else paying
Hey guys and gals I've come here as I seem to be at a lose end for help or advice and I have found these forums brilliant for help previous :T Cut a long story short, 2 years ago my Aunty asked me for a favour. I did it and got credit in my name for her. She has been paying every month without fail and no miss for past 2…
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Please Help - high personl loan needed!
Hi, Firstly thank you for reading. A few years ago, a person who lived with me left me with a lot of debt, and i decided to get a large loan to clear this debt and add value to my property by doing home improvements such as adding central heating. I took out a large secured loan with First Plus - £23,500, over 25 years as…
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Help with sticky BlackHorse Finance situation..?
Hey folks, I'm Claire a soon-to-be 20 year old student. I, over the last 2 years, have been in full time employment and 3 months ago bought a £9,000 car on finance with BlackHorse, but last week unfortunately lost my job and am now struggling to pay the £215pm payments. I have phone BlackHorse who have said they cannot…
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MSE News: Credit report snapshot now available online
This is the discussion thread for the following MSE News Story: Credit report snapshot now available online
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Loan help after loss of job
Hi guys this is my first post so be gentle lol ok here goes i had a quite a good job earning 26000k a year working perminant nights . and in may i was offered a 6 month sabatical with 5k payment plus that months wages to back it up to over 6k ... so having worked perminant nights for 6 years i felt like life was passing me…
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Northern Rock
Hello all A while back I appointed a solicitor to get my PPI back from NR. The case was won and NR duly sent back the PPI plus interest. However, I seem to remember on a letter I received from my solicitor that I had the option to also have (from memory) the loan looked into and possibly cancelled. I declined this option.…
