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YES Loans - Please help
Hi everyone, Yesterday I contacted Yes Loans, wish I'd read the forums here first but I didn't. They haven't been able to take the £69.50 yet as I didn't have the funds in my account, but are re-applying on Monday 12th July. How can I stop them? Like hundreds of others I've now read about I can't get through to the…
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Advice re topping up bank loan
Hi, i'm just wondering if anyone can advise me on topping up a bank loan? Is this possible? I have a bank loan which was taken out last november for £4500, it is now down to just over £3500, never missed a payment or anything always paid out of my bank on time. I am looking to top it up by £1000 to pay off a credit card.…
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UK Finance World/Wachovia
Hi there, I'm a newbie here although I've been receiving the email newsletter for some time and I wonder if anyone can offer any info on this loans company please? Having applied for several debt consolidation loans via bad credit searches I have been approached by the above company regarding a loan for £2000.00.…
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Bit of advice please
Hi im new to this and completely in the dark about loans. Im wanting to buy a car and get a loan to pay off my existing finance and pay for a new car. Only problem is, i have bad credit from when i was younger and find it near impossible to get credit. I dont have any credit other than my hp that i have never missed a…
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how long should a loan take
Hi,I applied for a personal loan from Nat West it"s the bank I bank with this was over a week ago the letter said "Your loan application has passed it"s initial stages of our assessment" they have all the paper work and signed agreement but I"ve heard nothing since how long do you think I should wait for an answer?I know I…
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Barclays Mortgage Reserve - experience?
Hi, Has anyone used their mortgage reserve as a loan. When is the interest added, is it at the end of the month? Thanks
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Citizens Advise - Are they my financial mother??
Hello MSE's! My credit rating is still very very poor! Although 'Credit Expert' says that my credit rating is 'fair', :j '821' :j. I am beginning to think that their analysis of my credit rating is useless at best :mad: (in my situation). I have followed every rule in the book over the last year.... No unnecessary credit…
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Will applying for a loan affect my credit rating?
Ive just applied for a personal loan with my bank, so that I can pay off a credit card and reduce my monthly outgoing, whilst also paying off the debt quicker. My application was denied. Does this mean I cant/ shouldn't apply for another loan for a while? If I do will it have a negative effect on my credit rating? I check…
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whats the cheapest way???
hi .....im after a £5000 loan over 3 years to buy a campervan....:) im in full time employment 17years...aged 40, married no debts... no credit cards debts only mortage......owe 60000 worth 11000 should i get a loan from bank?(dont mind paying a bit of interest), put in on my mortgage??(dont think i could cause i need a…
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help on a loan please
not having/had any joy with the banks and i keep getting firms offering me a loan but wanting an up front fee -wentworth etc. i am on decent money but have found out my bank has marked an overdue account for feb and may - this was when they returned cheques unpaid. i have cards with vanquis aqua and cap one all up to date.…
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ppi added without consent .could this render the loan invalid.
Dear All First time on the site and would appreciate any feedback. I have just started a dispute with Endeavour Finance .They wrote to us in November telling us that they were changing the insurance company on the PPI which was on a loan taken out 10 years ago. This came as a massive shock to us as we never signed any…
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Student Loans Repayments
Hi, My student loans are up for repayment as I'm now over the threshold. I had 2 stints at uni, each for 2 years (98-99 & 01-02). Both periods are the old style pre '98 (mortgage) ones, and there are four loans in total (1 for each year). SLC has asked me to repay at a rate of £40 per loan, so they are asking for £160 per…
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Applying for a loan
There seems to be quite a few peopl in the knwo on here so before I applied for a loan I thought I'd ask what peopls thoughs are on my situation... * Loan wanted - 15k unsecured * Age 24 * Earnings 24k * Current Credit - 8k - (including 7k loan taken out in sept for a car) * open credit - I've reduced to about £1500…
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Finance Agreement Transfer
Hi all, I'm new to this but need a bit of advice on a finance agreement.... I am looking to take on a finance agreement for machinery from the company I work with. The company is a (sole trader) and he is winding the company up, but I am looking to take over the finance agreement which is with Lombard Finance and start out…
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End of Graduate Account - Time for Loan?
Hi folks, The happy days of graduate accounts has finally come to an end for me. My v.large overdraft sitting at it's cushdy interest rate is about to become a dirty 17.39% p.a. interest rate. As it stands i have a £2500 overdraft with the Clydedale bank which is about to become a 17.39% interest rate overdraft fascility.…
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really unsure if legal
New to the site so please forgive if in the wrong place I have recently seen a vehicle that I would like to buy, however the seller still owes finance on it and wishes to sell for the amount outstanding, is it safe for me to pay the balance to the loan company and get the log book.
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car loan
I bought a new car and got a loan from the car company, the car was orignaly worth £4995 and the loan is over 60 months, i have had the car now for two and a half years and have rung the loan company to settle th e payment for the car. They told me that the settlement for the car if £4395, i have been paying 145 a month…
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The best way to borrow - bridging loan?
I own my house and am looking to buy a bungalow before selling my current home - what is the best way to finance this on a short term basis. Is a bridging loan the best way to go?
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What's the score with applications in branch?
Have decided to apply for a loan, and rather than applying online through my internet banking I plan on going and applying in branch so I can talk through any possible penalties for early repayment etc before applying. My question is, in branch how does it work? Does the manager or whoever authorise it there or does it…
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Getting a default and who it will affect
Hello I may be in a spot of bother with my loan and on the verge of getting a default (see a previous thread). I have a small issue, I have my own mortgage on my own house which is joint with my wife, but I also have 2 other mortgages out on property I share with my brother in laws... * my own house - Myself and my wife *…
