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Declined for a loan, dispite good cedit rating? (I think!)
I am trying to buy a car, I have been refused by my bank and by one of the finance companies. I am registered to credit expert and everything looks fine. No missed payments, only using 60% of my available credit. No one can tell me why they are declining! Any ideas or tips? Thanks
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RateSetter Loans
I am so happy with this company i am actually writing about them. I took initially out a 7K loan to clear my high APR credit card debt, the company was a pleasure to do business with. friendly person who listened to my story and understood why i need the loan. At first i was sceptical i would be accepted as i got turned…
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Trouble with GE Money
Good evening all. Some years ago, I took out a secured loan from GE Money (possibly for all the wrong reasons, but at the time, I had a good job and could afford it). Later on, everything went wrong. I lost my job, my marriage broke up and I spent some time without much money due to illness. My ex-wife kept the house, but…
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swift advances charges help!!!!please
hi i hope someone can help i had taken out this secure loan in 2000 with swift advances I received account statement for period 23 january2010 to 21 january 2011 amount of credit for loan £15.000.00 amout credit for ppp: £2.268.00 broker fee: £1.200.00 opening balance as at 22 jan 2010 £25.762.35 closing balance as at 21…
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What's a fair interest rate for family borrowing?
My dad lent me 2k to move house 6months ago,with no interest agreed, paying back the deposit when I move out and £15pw from January. Now I've moved, the £800 deposit is coming straight back his way, and whereas he was happy to have it back at the agreed £15pw, he now wants to discuss it this Friday because he says he's…
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How useful
So how useful are the revelations in researchit's posts ?
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Aspire money
I received a telephone call 2.15pm 26/01/2011 from ASPIRE MONEY. An asian sounding female told me that an apllication for £4,000 loan had been received and that they wanted to check some details. I asked if there were any up front fees. She said not. I was then passed to another asian sounding female who said that they…
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Stingy Barclays policy
We bought a new kitchen from Homebase last Jan on a 'Buy now pay in 12 months' interest free loan. The loan company they use is Barclays. We saved up the money to pay off the amount in full within the 12 months so as to avoid paying the interest, which would almost have doubled the price of the kitchen. Partner decided to…
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No idea why !?
Hi all Wondered if anybody can give me any insight. I currently have £3k, debt - £1.5k on a debit card (HSBC) and £1.5k on a credit card (Barclaycard) I earn £20k a year. I wanted to get a loan to consoldate my debts and stretch it over a couple of years, as I have a little one and house to maintain, I thought this is the…
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do sygma/creation do loans?
i see something on the front page of there website but cant find anything anywere about them, as i have a sygma credit card im thinking maybe it would help an application for a loan with them?
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Need a loan - unsure of my credit ability?
Hi all I'm Lee, 23, I need a £5000 loan to finish off some home improvements. I have bank account with Santander and I earn over £20k. I have a mortgage and various other financial commitments but have never missed a payment, defaulted or been bankrupt etc. I checked my experian and noticed 6 defaults and a number of…
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Advice needed on Default please...v worried
Hi there everyone... I wonder if someone could help. In 2007 I took out a loan with N Rock and made every single payment for 3 years. Last year I became ill and was signed off work for 6 months. I discussed this with N Rock who said that on the basis that I had been such a good customer they would reduce my payments for a…
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Early Settlement Figure - Lloyds Loan
I have approx £680 left on a £1000 loan take over 12 months (Started in Sept 10) I have the money in my bank to pay the full amount off today and a direct debit for the normal monthly payment (£94) is due out on the 5th of Feb To pay the loan off early I know I need to pay 58 days interest.. will this be of the amount that…
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Magic finance scam
I have been contacted by Magic Finance by telephone and offered an approved loan of £4,000. To accept the loan I had to pay by credit card a fee of £69.99. I told the caller I would check the company for authenticity and get back to him. The caller gave his name as Will Hurst and was telephoning from 01625 505447. Of…
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Interesting Reading if you're considering a "payday" loan
If you scroll down to the section about payday loans around the world, it does make very interesting reading, especially the UK's laws on the subject. http://en.wikipedia.org/wiki/Payday_loan
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Endeavour Personal Finance - Unreasonable?
Hi All I just wanted to know where I stand on the following: Just changed bank account which wont be up and running with cards etc until 3rd Feb - I have successfully managed to contact all 12 of my direct debits to inform them that usually I pay every 1st of the month - all happy to accept a 3 day late payment even HSBC…
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Are final settlements binding?
Hi, i recently contacted the Student Loans company to enquire about a final settlement figure. I was quoted an amount circa £1500 over the phone and paid by debit card. They have since backtracked and stated that the figure quoted was incorrect, and are demanding a further payment of just under £100. I only agreed to pay a…
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Non guarantor loans
HI can anyone recommend a loan company who deal with poor credit? we used F L M last time but dont have a guarantor now so cant use them again. Need £2500 for bond on house & pay off a friend. thanks in anticipation.
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Nat West Loan- Please help!!!
Hi, 24 months ago, I got a Nat West loan which was for £17,000.00 over 7 years. I currently pay back £283.00 per month and have made 24 payments = £6,794.00. The total amount payable on this loan is £23,772.00. I am wanting to clear this loan and get another which would give me an additional £5-7k to spend. What would be…
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marlin////resolvecall
can this debt collecter come knocking at your door..with out proof the debt is mine..i rented my house out ages ago.and av regreted it since .am back at the addy..and now am getting knocks on door thanks:money:
