-
debt id thought had gone, attachment of earnings order?!
a letter I have just sent to Mortimer Clarke solicitors is below - just to explain, i already had a suspended attachment of earnings order about 5 years ago from the original firm, but as the letter explains the company disappeared. stupidly i thought i was off the hook. Any advice would be welcome, I'm really up the creek…
-
Cahoot Flexi Loan problem
Hi Sorry this is a bit boring, but am I missing something or have Cahoot/Santander made a mistake? This is what is on my last statement: Details correct as at 15-06-2010 16 May OPENING BALANCE £300.82 (D) 30 May DIRECT DEBIT THANK YOU £200 (C) 15 June INTEREST DUE £2.92 (D) 15 June LOAN BALANCE £103.74 (D) Since receiving…
-
Default on my credit report
I have just found out i have a default on my credit report which i didnt know i had until i asked for a mortgage. I have paid it (gas bill £340) but still on my account for 6 years. My score has gone from excelent to poor overnight. Has anyone had any knowledge of getting a mortgage with a default as i cant believe after…
-
Quick advice needed....SCAMMED
Hi all. I so wish I read reviews on here of Yes Loans & Moneyworries.co.uk. I like many applied for a £5k loan with Yes Loans. They took the £69.50 fee and basically guarranteed the loan and said it will be in my account in 4-5 working days. I waited the 4-5 days and nothing. Got in touch (eventually) and was told it had…
-
welcome finance
hi i got a loan from welcome finance on june 2008 for 2000 plus 1000 interest. repayments were 165.03 and now they are 175.03, what happened was when i got the loan i told them i get paid every four weeks in which the rep said they would change the dates to go with when i got paid, this didnt happen, the first payment went…
-
Credit Score and Loans
Hi, Quite annoyed right now as i have just applied for my first ever loan and been rejected :( She told me it was not on an affordability basis, but on a credit basis. Now I have checked my credit rating and according to experian it 921. Not perfect, since Ilet my mum buy something in my name, and she let it default.......…
-
Student Finance are A waste of time!
:mad: Student Finance! what a waste of tax payers money! they ask for documents, send them back, then ask for them, again. After various phone calls ( non of which agree) it seems they didnt process them and sent them back to me, so now I have to send them back again! All of this of course delays my daughters grants and…
-
Clueless about debt now I've finished uni!
Bear with me guys, I am relatively new to the whole MSE kinda thing. I am due to finish 3 years of university this year. I am doing an NHS funded course via the bursary and I cannot remember off the top of my head how much I actually owe but I think it's just under £10k of maintenance loan (not full amount) from the…
-
need some advice
Hi, ive currently reached the end of my interest free period with my credit card. i currently owe £2700 on the card and i would like to either transfer the balance to another card or get a loan to pay it off. i am also looking at using another £2500 on my card to buy a car soon. Would it be more cost effective to get a…
-
Credit rating
I moved back to the UK after 13 years in Spain at the turn of the year and I have been hoping to get a loan. I would not have a problem with repayments but I don't have any credit rating here. My bank (Barclays) look set to reject a loan application I've made and a chat with someone from the Alliance and Leicester didn't…
-
loans
Hi, I have just been checking a loan that I took out 5 years ago and noticed in the paperwork that the amount I was told was going to be taken by direct debit is different to the amount actually being taken out. Also I was told by the representative that what I paid every month would reduce my loan. I have now found out…
-
Sainsbury's Bank didn't take my direct debit and are now charging me
Hi there, I need some help. I have a loan with Sainsbury's Bank and have a direct debit set up. I recently decided to take Alliance-Leicesters switch over get money back service. You get £100 cash back from Alliance-Leicester when you switch and another £45 from quidco if you go through them. Anyways they tell you to keep…
-
Ripped Off by Welcome
Hi All, My Wife and I have been ripped off by Welcome finance and it seems like I dont have a leg to stand on, We had a secured loan with them originally for £5000 over 4 years, Around 6 months into that we wanted another £5000 to do work to the house sowe contacted our local office (now closed) and asked about topping up…
-
Credit Blacklist – Advice Sort
My sister and her husband were placed on the credit black list by ‘Nationwide’ for supposedly defaulting on their mortgage payments. As it transpired it was an error on the part of ‘Nationwide’. They said that they would rectify the situation but eight months on the problem has only just been rectified. This has caused…
-
Credit Cards as a 0% Loan?
Hi, This may be a wild fantasy of mine, but could someone please confirm whether my idea is plausible: I am deep into my overdraft in 3 bank accounts (I know!), and want to inject some cash into them to bring them back on to a level playing field. The obvious answer would be to take out a loan but of course I'd be hit with…
-
Bad Debt
I'm not sure if this has been posted before, and I'd like to apologize if it has been. My situation is about a loan I have extended to a friend almost 2 years ago now. It's quite a substantial amount and it is really hurting my finances. Initially I was promised that the amount will be returned in a month or two. And she…
-
Alliance and Lecister claims 'decision in minutes' for personal loan
Hello, having viewed this excellent site I have applied for a personal loan from Alliance and Lecister. On the application window there is a logo (image?) displayed in bold red saying 'a decision in minutes'. Not so! After filling in the whole forms we were emailled that we would hear in 48hours. Stretching the 'minutes'…
-
Anyone heard of Fundmyvehicle Uk??
Hi has anyone heard of the above , and if they are worth dealing with?
-
Been declined a loan from my bank - now what
I'm looking to consolidate my debts - £18K (including OD, graduate loan with HSBC, 4 credit cards). I'm on 30K, and my credit rating with credit expert was 716. However, I made an application with my bank this morning (HSBC), and it was declined outright. The lady said it could be because I have been over my OD limit…
-
I want a loan to renovate my house......
I don't have a mortgage on the house thank goodness and I would like to borrown £5,000 against the equity. I dont have a massive income but do get £475.00 from the rent from the house Anyone know if I can do this? Thanks
