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Welcome financial services
Hi All, Having some trouble with the above. I took a £1000 loan out with them around a year ago, my credit rating being very poor at that time it was costing me around 50% on top. I hit some pretty hard times last year, and missed 2 payments with them - incurring me arrears and charges on top. Now they have been hassling…
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Newbie
Hey! I'm a 21 year old and I'm self employed as a webmaster. I've never had a loan previously but I'm sure my credit score is wrecked since Natwest started charging me for some premium gold account a while back without me really realizing (racked up an OD of about £350) - thankfully it's all paid off now though. Anyway,…
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Volkswagen Finance
Just got a couple of questions directed at those who have bought a brand new VW. 1) How hard/easy is it to get the finance? 2) How do they work out the payments. Do you put down a deposit then pay x amount over 3 years? What happens then? 3) Would you do it again? Thanks. Oh, and this question could also apply to buyers of…
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Loan or mortgage??????
Can anyone help me?? I am in the fortunate position of being mortgage-free but I am planning some major home improvements (about £35,000 to be precise) - can anyone advise me on whether I should look at a loan or a mortgage for this. I would like to be able to pay it off quickly but don't want to hamper my families…
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Large Loan advice
Hi everyone, I've just worked out that we have £168,000 debt!!! (This does not include our mortgage), it's a variety of draw-downs, loans, credit cards etc. We're paying over £2,000 in monthly repayments and i'm fed up of it. We pay everything off each month (we're in good, secure jobs) and have a little extra cash each…
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Tesco Loan additional payments...
I'm possible looking at applying for a Tesco Loan but have a couple of questions.. Does anyone have a Tesco Loan and know whether additional payments are allowed and the effect they have on the loan? Also, do you know how interest is calculated (eg. front loaded and added on or will an additional payment reduce overall…
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loans when you are retired
hi my mum and dad currently have a home witha joint mortgage with my brother. my brother has now moved away with work and wants to get his own mortgage . my mum and dad also want to sell and get a smaller place .they have had an offer on their home £350,000 they have seen another house for £250,000,but would be roughly…
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£25-30k Loan
Hi, just looking for a little advice please We have a fixed rate mortgage with Northern Rock which ends next November (2011) We are looking to move house, we are in a small 2 bed which no longer fits our family, we have seen a 3 bed house we like with huge amounts of ground, the house needs doing up but is liveable so we'd…
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CCJ's
Hiya Could anyone answer the following questions for me please 1. When the 6 years are finished on your CCJ, do the credit reference agencies automatically take them off your file on the date they should come off? 2. Will the CCJ come off even if it is not satisfied and will that leave any impact on your file if it isn't…
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Available credit and hire purchase?
Quick question.. I know that creditors will look at your available credit when assessing your application.. but does this apply to hire purchase too? I was thinking in the car and wondering if it applies as obviously secured debt like secured loans, mortgages etc don't count. As hire purchase is a secured debt, would they…
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Career Development Loans
I'm looking into getting a career development loan but my credit isn't very good and I don't know who to apply with, whether to bother applying at all and whether they use the same credit scoring as other bank loans/credit cards would.. I'm currently in about 5K of debt and am trying to find out how the best way to deal…
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Litigation/divorce loan
Hi, I need to raise financing for lawyer costs to change my child maintenance order. I need to raise £10,000. My ex partner did not adhere to the court order and has broken it. It is very clear cut. He is worth a lot of money and knows that I am broke and knows that I cannot afford to take him to court. When I divorced him…
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Payday loan company - dirty tricks ! advice needed
Hi, after many months of trying to clear the ridiculous amount of debt i got myself into with payday loans, i am nearly there thankfully. Apologies in advance for the waffle :) I am having serious problems with one company, that i am on an agreed repayment arrangement with I won't name the company for now as they do check…
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loan advice
hi guys,ive got a 16000 loan coming to an end in 2 months and have tried to get a new loan but have been turned down because of my level of other debts,ive never had any late payments or bad history etc,just alot of other debt,that consists of 3 credit cards with £4000 on each and a £2000 o/d. i wanted the loan to fund a…
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I need help getting a loan.
Ok, I need to get a loan of about £3,000-4,000 by the middle of August at the latest, and I've tried to apply for a loan from my bank (Bank of Scotland) and Tesco, but both were refused. My current situation is I've just started a new job in a factory, I'm 20, and a slightly bad credit history, but I want this loan so I…
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PPI Claim with welcome finance
Hello all, Im fairly new to this - so If I have posted this in the wrong place please forgive me! I currently have a PPI Claim with Consumer finance claims.. This has been going since January 2010. I have had little contact from them. I received an acknowledgement letter then nothing. When I call, they generally seem to…
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Firstplus make £133m extra profit
According to their 2009 accounts released this week. This is extra profit on top of what they could reasonably expect to have made. They have done this by failing to pass on any of the base rate reductions to their secured loan customers. Key points of interest are: - 2009 (£m) 2008 (£m) Shift (%) Interest Income 249 276…
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Join me in the fight to stop yesloansuk.com
Has anyone suffered similar. YesloansUk.com taking money from their account to the sum of £69 for brokers fees then being passed to and fro and having a further £375 taken out on some no win no fee swindle over PPI. And when you cancel well within the 14 day limit you receive no refund after 30 days taking a complaint to…
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Career development loan-are they irresponsible lending
Hi..My son took out a career development loan for £8000 3years ago to fund his drama course. After 2 years he had to start paying back at £180 per month. When he applied he was working in a different job(so not really relevant to his chosen career of acting) For the last year he has had very little acting work and can only…
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loan
Hi my Wife is a Thai National lived in UK for 2years 1 Month she is employed and has a monthly salary. She is going back to Thailand next month and would like to obtain a loan of 3000 thousand pounds for two years to take sons and parents on a beach holiday in Thailand as parents are getting older and time may be running…
