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Student loan Interest HELP!
Hi, I had a student loan 6 years ago which was only to be repayed once I was earning over a certain amount. I got married 3 years later and was single when i took the loan. I just got a statement through, The first one in 6 years. I do not yet earn the threshold amount although my husband does. Does his wages matter? Also…
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Struggling to get a debt-consolidation loan on fair credit score
Hello, I have two credit card debts (as seen in my signiture) that I'm looking to consolidate into one loan. I score as "fair" on CreditExpert but I have been unsuccessful on two loan applications, even one with my own bank. I've spoke to Aspire Loans but I am unsure about those guys and the APR they look to charge. I'm…
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Help with possible new car?
Hi All, My car is on it's last legs. She is now 11 years old and although has only done 57,000 miles, is starting to cost me a lot of money. I use my car to travel to and from work, and also have to use it to go out and about with work too. Obviously as well as using it at weekends and evenings. But most importantly, I…
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NO FEE Loans!!
Hi guys, I need your help, i have been looking for a loan where i pay no upfront fees, no brokerage for, to be honest no fees at all, i just want the loan. I can pay back no problem but everywhere is asking for certain fees, i need to know of any sites that LOAN yourself the money and not go through other companies which…
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What do you make of this from 1st credit?
Ok basically i asked for the full and final settlement offer in writing this is what they sent me Dear Miss X XXXXXX Account - xxxxxxxx Balance - £1585.52 Client - Halifax We write to confirm that we receive payment of £0 on being full and final payment (if payment by cheque, this is subject to cheque clearence) of the…
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Credit Union Loan
I've been looking at the possibility of a Credit Union loan. I joined an organisation a few months ago and put in a token payment to open the account. I want to put more in, and having just gained employment, will be glad to have a payment system starting soon so I can gather some savings...but I was wondering what exactly…
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Loans for Really Bad Credit!
I have tried searching but nothing comes up with exact help im after... I am 20 - have been really silly with money, and now have come to a standstill with my monthly outgoings. I have spoken to CCCS and they have set in place a budget, yet my creditors are not accepting my token payments and in total are wanting more sent…
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Help for my grandparents
My grandparents are in financial difficulty and the only way they can get some money is so do one of those things where someone loans you money and when you die they take it of yor house price. They had a woman come today for a chat and to lend 25k, they have to pay back 40k in 10 years or 80k ! in 20years ! Now i think…
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Is this right??? Advice sought please
Hello all, many thanks for reading my post. My query - today I had an appointment with the Halifax to discuss my personal loan, (I have been a customer for over twenty years). I have re-negotiated loans I have had with them several times in the past, have never had a problem with this, always approved straight away. Today…
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help!!! my mother guarantored a loan for builders, they're not paying!!!
Background I employed builders that came recomended to build an extension, due to bad weather they fell behind with the work therefore they kept needing more money, i have only a few hundred left to pay them and work has completely stopped. Unbeknown to me in May they asked my mum who they did know, but lives close to me,…
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Advice please!
Hi, I was wondering if anyone could offer me any advice. Background: I'm 24, graduate, living in rented prop. with partner, working full time in a permanent job on £22k pa (increasing to £25k next month). I've currently got: -2 credit cards one with £1000 on and one with £3000 on. both at limit. -constantly living in…
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Refused Loan
Hi All, newbie here, so apologies if this has already been discussed elsewhere but i couldn't find it. My wife bought a nearly new car last summer, we planned to arrange our own finance and ended up getting conned by the salesman's figures. She has just looked at clearing her finance (against the car) with a personal loan…
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Loan for Self Employed
Hi I've been self employed for 20 months, and am having trouble securing a loan, I believe this is due to my being self employed for a short period. After a marriage split a few months ago, I have remained in the property and need to raise some money to clear up my credit (couple of credit cards and a couple of…
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Conservatives (up to 10%) discount on repayments of student loan
Hi, The conservatives manifesto, also reported in many news articles state that there will be an incentive scheme to encourage graduates to make payments over £500 - a reported 10% discount. They say that this is needed to fund the 10,000 places at university, but is this actually going to happen? And if so, when? Also,…
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Getting a loan
Hi, another loan thread. I have checked my credit report, and my score was above the 900 mark by quite some way. I'm 20 years old, I've been working for 4 1/2 with the same employer, I'm currently an assistant manager, I've lived in my current address for 1 year. However I lived in my previous for 14 years which was a few…
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Help please regarding loan...
Hi My cousin has been to Santander regarding a new mortgage, and they said yes, however she has seperated from her other half and she owes him £8,000 in payment for the small amount he actually paid towards the house. Now, Santander won't give her the mortgage while his name is still on the current mortgage. So she has to…
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Application for CDL
Hi all, Am currently in the process of filling in a career development loan and am keen to send it off ASAP. In order to reduce the chances of me being rejected I've got a credit report from callcredit (one of the £2 ones). It all looks fine, there's tons of info on it but nothing that I imagine would lower my rating. I…
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Loan Centre
Has anyone had any dealings with Loan Centre? I registered with them believing (stupidly) that they were responsible for providing a loan to me rather than broking it out. I have not accepted anything that they have offered and so far the fee that they requested hasn't been taken from my account so I contacted them to tell…
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Despite near perfect credit rating and clean history I cannot get a loan, Why?!
Hi Maybe someone can help me, as I cant get an answer from the banks. I have a reasonable income, and have the usual mortgage and car loan but have credit card debt and a loan from my time as a student. I want to get a loan to consolidate and halve the amount im paying and pay it off, so im not watching hundreds of pounds…
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How can I borrow £40 000?
Hello, I have a shared ownership mortgage since 2007. Just got onto SVR this year and paying £200 less each month. I need to borrow £40k to sort out problems with an overseas property. What's the best option, un/secured loan? Whats the best rate etc. thank you.
