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Natwest Loan Online Application Query
Hi all, This may be a silly question but I hope someone may be able to help. If you apply online for a loan via your own online banking(providing a tick as a signature, so signed) and at the end it tells you your loan account number and date of your first repayment, also saying that money will be the account the next day,…
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Santander 'Arrangement to Pay marker' on Credit record
Hi guys, Approx 2 and a half years ago I took out an unsecured personal loan with Alliance & Leicester which has since been transferred over to Santander following the merger of the two companies. This week I have viewed an online copy of my credit file with Equifax and found that in January 2010 they recorded an…
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Advice for Partner considering consolidation
Hi, Really hoping for some help / advice for my boyfriend. He made a mistake by not trading in his car when buying another cheaper one (thought he'd could recoup more for car by selling privately) So debts are: Credit Card 1: £1000 Credit Card 2: £2000 Personal Loan (new car): £8500 HPI (old car): £11500 to settle. Total…
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If my Partner takes on debts to resolve my dire credit, will I get loan offers?
Hi All, Just wondering if anyone knows how likely it is that I'll get new loan offers if my partner takes on a big loan to try to resolve my lousy credit situation? :( I'm in dire straits - £20,000 in credit cards, plus £20000 in my partner's name that are my debts, and I also owe him £15000. Aside from being unspeakably…
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HP loan vs repayment plan
Hi folks, Bit of an odd conundrum I find myself in. in Sept 2006 I took out a £5k loan when buying a car - I'll be brutally honest and say I thought it was a standard personal loan, and only now have I realised it's actually HP (with Black Horse). As far as I'm concerned it was taken out as a personal loan. Anyway, in…
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Natwest graduate loan repayment
I applied for a Natwest Graduate loan and chose the option to delay repayment for "5 months from the date the loan is drawn". 5 months have now passed and I have just realised I have no idea how the payments are supposed to be made. I assumed it would be done automatically, but I don't seem to have a direct debit or…
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Paying off loans/taking on new loan before applying for a mortgage
Hi guys/girls Just looking for a bit of advice really. At the moment i have a couple of cards with around 2500 on between them and a graduate loan for about 1200. Basically, i am looking to pay these off from my current account over the next few months whilst i save a deposit for a mortgage. Now, it may be about 12 months…
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Car Loan
At present I am 3 1/2 years into a finance deal for an 07 car. Reading the final settlement figures I have 18 months left at £254/ month and also a balloon payment of 4.5K at the end of the 5 years. The car is running well so not likely to change at end of deal and expect to keep it. In order to pay the balloon payment it…
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best loan company for yes decision?
Hello, i need some advice does anyone know the best loan company to apply for we are trying to borrow 8.5k and we have a comnbined salary of 38k. i have tried sainsburys and they said no. does anyone more of a more generous lender that might say yes?
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business idea - loan and advice
hi all, im not sure if i have posted in the right place :o I am thinking about my future plans and myself and my partner have decided we want to set up our own business in a few years. i am 18 at the moment and by july this year our loan will be cleared but we are going to start saving from febuary. My question is if…
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Santander / Cahoot Loan Problem.
Paid off my former Cahoot Loan, that was taken over by Santander. They still managed to take 2 direct debit payments. Even though DD mandate was cancelled. Recalled DD and complained. Received a letter to tell me that the payment had been sent back, and due a refund. Received a refund and a loan redemption letter a few…
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Highest interest rate ever?
I've seen some big ones but I've just applied for a Wonga loan of £1 for a day and according to the acceptance email the rate is........ Total amount payable £6.56 APR: 1,478,772,522,130,030,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,00…
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Welcome Finance and Credit Rating
Hey Folks, This is my first post. Im looking for a bit of advice with regards to Welcome Finance. I took a loan out with them in June 2006. I have had alot of issues with welcome relating to my credit rating, with them constantly putting that I am 3 payments in arrears on my credit file. Now I am 100% up to date and…
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Have I been mis-lead in to loan?
Hi Basically i had a loan with my bank with an interest rate of around 14% To tidy up my finances and to save a few quid I applied for a Tesco loan with an apr of 7.7% this rate was rejected and was offered a rate of 11.6% I took out £12k Great! However Ive just phoned tesco to see if I can take a payment break (9months…
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tv loan companies
i recently applied for a pay day loan from quick quid. com, who into recommened a company acompany called loan finder direct. this company rejected my loan application, i fought no more of this until yesterday when i went to the bank and noticed money missing from my account. i went into the branchto get a explanation and…
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Been Wonga'd n now not got a penny
Hi i took out a loan from Wonga which was due to be paid back on 16th February 2011 it was originally just over £200 and i would of owed neary £270 with interest, today i got paid my usual money and borrowed £15 from to pay it back as i thought if i paid it back that i would be able to get another straight away as a friend…
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welcome finance advise
Hi, there just looking for a bit of advice .. I took out a 24 month loan around the 10th dec 08. I said i was in process of setting up a new bank account so didnt give my direct debti details. was told payment was due around the 10th of jan 2009. I paid in cash on this date in jan 2009, came along with new bank details and…
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Refused Business Loan
My girlfriend and her business partner have just been refused a business loan (just 15k). Both of them have decent credit ratings, the business plan and profit/loss looked good, and was checked by a decent accountant. To be honest we are a bit surprised. Cant decide wether to try again with a different back or put the 15k…
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Excellent credit rating but declined a loan
Today I've been declined a loan by a major DIY chain and I/they have no idea why. Went in to buy a new kitchen and didn't want a loan but they have a 0% interest for 24 months offer on. Tried the "how much will you knock off for paying cash". No joy! You pay exactly the same amount if you pay the full price cash up front…
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Advice on interest only loan
Hi All, I am after some advice please if possible. My parter inherited a house a couple of years ago. It is in his name with no mortgage. However, it has always been the agreement that half belongs to his brother. It has been on the market for £70000 with the agreement that if it sold it would be £35000 each. It is…
